your family of
The new way to leave a legacy
We are pleased to present a whole new way to leave a legacy for your spouse, children and future generations.
You just need to buy ICICI Pru iProtect Smart with Whole Life Cover to create your legacy. With this option you get life cover till age 99 years. In case of death, your family receives the full death benefit.
The best thing about this plan is that it is really affordable and can be bought online in few minutes.
Benefits of our top selling term plan^^
Legacy For FamilyLeave a large lump sum with whole life cover so that your loved ones dreams are financially secure, come what may.
Protection against disabilityIn case of permanent disability due to accident, your policy continues with no more premium to be paid.
100% payout for terminal illnessesIf diagnosed with a Terminal Illness, we pay you the complete Sum Assured as a lumpsum payout.
Check Our Score Card
Claim Settlement Ratio~97.88%
~Claim settlement ratio is for FY 2017-18 and computed basis individual claims settled over total individual claims for the financial year.
Benefits paid`1,14,744 CR
As per Financial Statements (Schedule 4- Benefits paid (Gross)) of the Company, Benefits paid since inception upto year ended March 31, 2018.
Sum Assured`8,22,564 CR
Total Sum Assured figure for FY 2017-18. The source for this number is Annual Report FY 2017-18.
Assets Under Management`1,46,129 CR
Total assets under management, held at Sept 30, 2018
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Rakshak 50 Year old, Senior Manager
He wants to create an inheritance for his family so that they are financially secure from his loans and other liabilities.
His family included his 48 year old wife, his 22 year old daughter and 18 year old son.The daughter was doing her MBA and the son was pursuing engineering.
Rakshak buys ICICI Pru iProtect Smart
- He purchased ICICI Prudential iProtect Smart term insurance plan online for a life cover of `3 Cr
- He selected the new payout option: Lump sum + regular income. With this option, in case of his death, the family would get a large amount followed by regular income for 10 years.
Rakshak’s untimely death
- After 5 years, Rakshak suffered a massive heart attack and could not survive.
- The family went into emotional shock. His children did not know what to do about their future. His daughter was yet to be married and his son was still in college.
Family received the benefits
- His wife made the claim and the family received `1.50 Cr as a lump sum and `1,25,000 every month for 10 years.
- His daughter got married, son completed engineering and pursued further studies abroad. The remaining amount, his wife has saved for her grand children.
Prerana buys ICICI Pru iProtect Smart
- Prerana chooses a life cover of `2 Crore with a policy term of 61 years (whole life cover till age 99)
- She pays an annual premium of `56,784 (incl. of taxes)
- She chooses lump sum payout option of `1 crore and regular monthly income of `83,333 pm for 10 years
Prerana’s unforeseen death
- Her son and daughter receive a lump sum payout of `1 crore and Regular Income of `83,333 every month for the next 10 years.
Jeevan 40 Year old, Senior Manager
He wants to build a huge inheritance corpus to ensure that his family’s future is always secure from any liabilities and disputes. He also wants to create a corpus for critical illnesses to cover the high medical treatment costs that come with a critical illness when he gets older.
Jeevan buys ICICI Pru iProtect Smart
- He chooses a life cover of `2 Crore & a critical illness cover of `20 lakh
- He chooses Lump Sum payout option & a whole life policy (till age 99) and gets a 59 year policy term
- He pays an annual premium of `92,583 yearly (incl. of taxes)
Jeevan is diagnosed with a critical illness
- Critical illness cover of `20 lakhs is paid out as lump sum to Rakshak immediately
- Life cover reduces to `1.8 crore
- Premium reduces to `75,794 (incl. of taxes)
Jeevan's untimely death
- His nominee gets a lump sum payout of `1.8 crore
The percentage saving computed is purely in terms of premium paid over the term of the policy and does not account for time & other factors that may happen during this period. It is one of the many features that the product offers and you can opt for it based on your individual needs.
* The premium rate mentioned is for your current age, term selected and the sum assured chosen and are inclusive of Tax.
' 5% discount on premium is applicable only for Regular and Limited pay policies. In case of Single Pay, discount applicable is 2% of Single Premium.
^^Top Selling term plan refers to ICICI Prudential Life Insurance plans which are bought by customers through the website with our Zero-Paper-Process. Source: Company BuyOnline data - Dec 2015 till date.
~Claim statistics are for FY 2017-18 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.
Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time. ICICI Pru iProtect Smart UIN 105N151V04. W/II/2790/2018-19
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