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Congratulations, on securing your family’s future

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Your personalized quote is:

Life Cover
for
policy term

Life Cover

Premium

15,790 (30 yrs) 5% online discount applied
  • Basic

    0
  • C.I.B

    0
  • A.D.B

    0

For more financial protection, our customers choose:

Critical Illness Benefit

Most people choose a Critical Illness Cover of Rs. 15 – 20 Lakhs. Premiums paid have tax benefits u/s 80D

Great choice! You will get 20 lakhs in case you are detected with any of the 34 critical illnesses.

Accidental death benefit

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Most people choose Accidental Death Benefit of Rs 50-60 Lakhs. Premiums paid for Accidental Death benefit have tax benefits u/s 80C

Smart Choice! In case of death due to accident, your family will get over and above the basic life cover

Life Cover

Premium

15,790 (30 yrs) 5% online discount applied
  • Basic

    0
  • C.I.B

    0
  • A.D.B

    0
How will your family receive the money

Lumpsum payout

Our most popular

  • Receive the entire benefit as one payout
  • 74% of our customers choose this^
  • Helpful in case you have a large outstanding loan like a home loan

Lumpsum + Regular income

new

Choose lumpsum amount
50% of Life Cover

Your nominee will receive a lumpsum of 10,00,000 + Regular income of amount 120,000 every month for 10 years

  • Helpful to cover a small loan & provide your family with regular income
know more

Regular income

Lowest premiums

  • Receive the payout as equal monthly installments over 10 years
  • 25% of our customers choose this
  • Helpful in case the nominee is not used to handling a large sum of money at once
know more

Increasing income

Covers increasing expenses

  • Receive the payout as increasing monthly installments over 10 years
  • The monthly payout will increase by 10% simple interest every year
  • Helpful to counter inflation and cover the increasing expenses every year
  • 145% of life cover.
know more

Life Cover

Premium

15,790 (30 yrs) 5% online discount applied
  • Basic

    0
  • C.I.B

    0
  • A.D.B

    0
Payment term: 0

Life Cover :

1 Crore for 52 years

Additional life cover:

Amount

Critical illness benefit:

20 Lakhs

(In case the critical illness amount of ₹ 1 crore is claimed, your life cover will reduced to ₹ 50 lakhs. Your total premium will also reduced to ₹ 5000.)

Accidental death benefit :

50 Lakhs

(In case of death due to accident, your family will be paid a total amount of ₹ 1 Crore + ₹ 50 Lakhs.)

Premium:

21,790 Yearly (incl of taxes)

Benefits

Amount

Basic

15,363

Critical illness benefit:

3,408

Accidental death benefit :

3,408

Payout options

Lumsum + Regular income

Your nominee will receive a lumpsum of ₹50,00,000 +Regular income of amout ₹41,667 every month for 10 years

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How Does the product work

  • Anil, 35 Years old, Product Manager

    He wants to ensure that his wife and 3 year old daughter have a secure financial future even in case of his untimely death. He chooses ICICI Pru iProtect Smart with monthly income payout option

  • Priya, 35 Year old, Project manager

    She wants to ensure that her husband and 3 year old daughter have a secure financial future even in case of her untimely death. She chooses ICICI Pru iProtect Smart with monthly income payout option

How Does the product work

  • Priya, 35 Year old, Project manager

    She wants to ensure that her husband and 3 year old daughter have a secure financial future even in case of her untimely death. She chooses ICICI Pru iProtect Smart with monthly income payout option

  • Pooja, 32 Years old, Senior Software Engineer

    While She wants a term insurance to ensure that her family’s future is always secure, she also wants a critical illness benefit to cover the high medical treatment costs that come with a critical illness especially cancer.

How Does the product work

  • Anil, 35 Year old, Project Manager

    He wants to ensure that his wife and 3 year old daughter have a secure financial future even in case of his untimely death. He chooses ICICI Pru iProtect Smart with monthly income payout option

  • Amit, 32 Year old, Senior Software Engineer

    While he wants a term insurance to ensure that his family’s future is always secure, he also wants a critical illness benefit to cover the high medical treatment costs that come with a critical illness.

  • Anil buys ICICI Pru iProtect Smart

    35 year old
    • Anil chooses a life cover of 1.5 crore
    • He pays an annual premium of 17,313
  • Anil’s death

    44 years old
    • His wife and daughter get a monthly income of 1,25,000
next
prev.
  • Priya buys ICICI Pru iProtect Smart

    32 years old
    • Priya chooses a life cover of 1.5 Crore
    • She pays an annual premium of 15,027
  • Priya’s death

    52 years old
    • Her husband and daughter get a monthly income of 1,25,000
next
prev.
  • Pooja buys ICICI Pru iProtect Smart

    32 years old
    • Pooja chooses a life cover of 1 Crore & a critical illness cover of 20 lakh
    • She pays an annual premium of 15,081
    • She chooses a policy term of 30 years
  • Pooja is diagnosed with Critical Illness

    40 years old
    • Critical illness cover of 25 lakhs paid out as lumpsum
    • Life cover reduces to 75 lakhs
    • Premium reduces to 10,589
  • Pooja’s death

    52 years old
    • Her nominee gets lumsum death benefit of 75 lakhs
next
prev.
  • Amit buys ICICI Pru iProtect Smart

    35 years old
    • Amit chooses a life cover of 1 Crore & a critical illness cover of 20 lakhs
    • He pays an annual premium of 19,140
    • He chooses a policy term of 30 years
  • Amit is diagnosed with a critical illness

    44 years old
    • Critical illness cover of 25 lakhs paid out as lumpsum
    • Life cover reduces to 75 lakhs
    • Premium reduces to 12,297
  • Amit’s death

    44 years old
    • His nominee gets a lumpsum payout of 75 lakhs
next
prev.

7 benefits you must know about our term plan

Since its launch ICICI Pru iProtect Smart has become our top selling plan3 online. Apart from tax benefits u/s 80C & 80D (if 34 Critical Illness^ cover is opted), here are a list of 7 benefits you must know about ICICI Pru iProtect Smart term insurance plan:

It is really affordable

  • Now you can get 1 Crore cover at just 465 per month** - just what your wallet asked for.

It gives you cover up to age 85 years

  • Our term plan can cover you till the age of 85.
  • Tip: It is advisable that you take term life cover for your earning years because by then you would have paid off your liabilities and you may not have family dependent on your income.

It pays on diagnosis of any 34 Critical Illnesses^ (optional)

  • Full claim payout on first diagnosis - no hospital bills required. We only need scanned copy of your diagnosis report.
  • Premiums remain fixed throughout the policy term
  • Also get tax benefits u/s 80D

It gives you 4 payout options

Payout options designed to suit your family’s needs
  • Regular income – Best suited if your nominee is not used to handling a large sum of money at once
  • Lumpsum – Best used to cover a large loan i.e. home loan
  • Lumpsum + Regular income – Best used to cover a small loan & provide regular income
  • Increasing income – Best used if your family’s expenses are expected to rise each year

It pays life cover on terminal illness (including AIDS)

  • Terminal illnesses are not only life threatening but can also spell financial ruin. ICICI Pru iProtect Smart helps you give them that last fight, paying your life insurance money before death.
  • The terminal illnesses cover covers AIDS too.

It gives you option to add accidental death benefit now, or later

  • ICICI Pru iProtect Smart lets you add accidental cover of your choice during or after purchase.
  • Accidental death cover is equal to the life cover chosen & will be paid out to your family over and above the basic life cover.

It gives you option to buy online with MWP Act

  • This will help in the payment of full life insurance claim amount to your wife and/or children. To know more about this, read our MWP Act Handbook 5.
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