Leave a legacy for
your family of
As assurance of
97.88%Claim Settlement Ratio~
for FY 2017-18
Whole Life Insurance Premium Calculator
Available only for premium more than Rs. 3600.
Please Increase Life Cover
Date of Birth
To create legacy of ` 1.25 crore
Choose payment term
Cover till age 85
Cover till age 99
Regular Pay
67 years
` 2,770
Total Premium ` 22,27,080
(2,770 * 12 * 67 years)
Limited Pay
` 8,294
Total Premium ` 9,95,280
(8,294 * 12 * 10 years)
Savings 55%
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Benefits of our top selling term plan^^


Legacy For Family

Leave a large lump sum with whole life cover so that your loved ones dreams are financially secure, come what may.

Protection against disability

Protection against disability

In case of permanent disability due to accident, your policy continues with no more premium to be paid.

100% benefit payout

100% payout for terminal illnesses

If diagnosed with a Terminal Illness, we pay you the complete Sum Assured as a lumpsum payout.


You can depend on us

Award Winning Protection

Voted 'Best Term Insurance Provider' at Money Today Financial Awards 2017-18

Service Assurance

Your policy will be issued in 72 hours on receipt of all documents and medical reports.

30 Day Return Policy

If not satisfied, you can return (free look) the policy and get your money back.

Check Our Score Card

  • Claim Settlement Ratio~


    ~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

Payment Options

We support multiple payment options and your transactions are totally secure.

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Contact Us

Our insurance experts are always available to solve any doubts that you may have and help you with anything about your policy

1860 266 7766


Howit works

Men Icon

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.
Women Icon

Prerana,38 Year old, School Principal

She’s independent and wants to leave an inheritance as a financial support for her son and daughter in case of her death in the future. She chooses the Lump sum + Regular Income payout option.


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.
Men Icon

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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This is how you save 55% with limited pay option
Pay for
30 Years
Premium (monthly)
Total Premium
(484 * 12 * 15 years)
Pay for
30 Years
Premium (monthly)
Total Premium
(484 * 12 * 15 years)
This is how you save 55% with limited pay option
Pay for
30 Years
Premium (monthly)
Total Premium
(484 * 12 * 15 years)
Pay for
30 Years
Premium (monthly)
Total Premium
(484 * 12 * 15 years)