Term Insurance Calculator

What is limited pay premium option?

Limited Pay is an option where you can choose to pay premium for a limited period while enjoying the benefits of the plan for the entire policy term. This sets you free from the burden of paying premiums early on, while keeping your family secured for a long period of time. With the limited pay option, you can end up saving up to 65%** on total premiums paid.

What are the advantages of limited pay premium option?

Limited Pay is a great option wherein the customer pays premium for a limited period while enjoying the benefits of the plan for the entire policy term. This lets you free from the burden of paying premiums early on while keeping your family secured for a long period of time. While the premiums to be paid are slightly higher than regular pay; with the limited pay option, you can end up saving up to 65%** on total premiums paid.

What are the different payment options under Limited Pay?

Under the limited pay premium payment option, you can pay your premiums for only 5 years, 7 years, 10 years or policy term � 5 years

Is it safe to buy a term plan online?

Yes, you can purchase a term plan online with verified payment methods like UPI, debit or credit card, or net banking. As long as you select a reputable insurance company, you have nothing to worry about. In case of any issues, you can also reach out to the customer service team.

How is a term insurance plan different from other life insurance plans?

While traditional life insurance plans have both a protection and an investment component, term insurance plans are pure protection plans that don't give any payout on surviving the policy term. However, as compared to traditional life insurance plans, term plans have the advantage of providing large sum assured coverage at much more affordable rates.

Why should I buy a term plan?

In today's uncertain times, it is important to ensure your dependents are financially protected even if you are not around. Buying a term plan is a simple and cost-effective way to do this. With term insurance, you can get a large amount of life cover at a relatively low premium rate. You can get a ?1 crore term insurance cover starting at just ?540 per month^2a, which is less than half the cost you would typically pay for an outing with your family. The benefit amount will be paid to the nominee in case of death of the policyholder during the term of the policy.

Do I need to buy term insurance even if I'm covered under my company's group policy?

Many companies today provide insurance cover for their employees. However, it is advisable to get an individual policy for yourself for the following reasons:

Not enough cover � The cover provided by company's life insurance policy (generally ₹10-15 lakh) may not always be sufficient to sustain your family in case something happens to you.
Will lose coverage if you change your job � This coverage is dependent on your job. If you leave the job, the insurance cover ends then and there, till you join a new job. The period between the end of the old job and the start of the new one would be without cover.
Standard policy for all employees, not customized to your needs � The life insurance policies provided by your employer are standardized policies which are not customized according to your specific needs and don't generally contain any provisions for critical illness, terminal illness and disabilities.

Hence, even if you are covered under your company's group policy, you may still buy a separate term plan with a life cover that is at least 10-15 times your annual income to make sure your family is able to sustain their current standard of living and is adequately provided for in your absence.

How do I get a term plan online?

You can get a term plan online by visiting the ICICI Prudential Life website and clicking on Term Insurance. You can download the brochure to go through the details of the policy or fill your basic details like age, gender, tobacco usage, income etc. in our term insurance premium calculator and generate a customised quote. You can then make the payment, submit the documents, and complete the medical check-up. Your policy will be issued once all these formalities have been completed.

Are there any age limits for buying a term plan?

Yes, the minimum and maximum age for buying a term plan are 18 and 60 years respectively.

How to select the best term plan for myself?

There are various factors you need to consider when selecting the best term plan. These are:

Brand: Choose a well-known brand that is financially strong and sure to be around for a long time. ICICI Prudential Life Insurance is an old and trusted private sector life insurance company in the country with an Assets Under Management value of ₹2.40 tn¹⁸ (as on Mar 31, 2022).
Claim settlement: Select an insurance company with a consistently high claim settlement ratio and an easy and hassle free claim settlement process. With ICICI Prudential's term plan, you can get your claim settled within 1.4 days ^>. The company has a claim settlement ratio of 97.9% (FY 2020-21) ^~ and has paid ₹2.04 tn ^` in claims (since inception up to Mar 31, 2022) You can check our last 5 years� claim settlement ratio here .
Additional benefits: Look for additional benefits such as critical illness coverage and accidental death coverage. ICICI Prudential Life term plan provides the option to get health coverage for 34 critical illnesses^## up to ₹1 crore and accidental death coverage⁹ up to ₹2 crore.

What are the benefits of buying a term insurance policy online?

There are various benefits of buying a term plan online:

Ease and convenience - You can complete your purchase in just a few minutes anytime anywhere. The plans can be accessed via mobile internet too.
Better control � Buying a term plan online lets you customize it according to your exact needs instead of relying on someone else to do so.
Complete transparency � As there are no intermediaries involved and you buy directly from the insurance company, the entire process is transparent and you are not set up for any unpleasant surprises later on.
Full security � Your personal and health information is private and secure.
Online discount � ICICI Prudential provides 5% discount‘ when you purchase our term plan online (If you are an ICICI group employee, you get 10% discount throughout the policy term, even if you leave the organization after purchase of the policy).

What kind of deaths are covered in this term insurance plan?

All kinds of deaths are covered under the plan including natural, accidental, murder, illnesses and natural calamities. You are covered under this plan as soon as your policy is issued and there is no waiting period ⁼⁼. Coverage of death due to suicide is not available only in the first year of policy. Also, once you buy the policy, you stay covered whether you are in India or abroad.

How much term insurance cover do I need?

The term insurance cover you need depends on your current annual income. We recommend that a term insurance cover equivalent to 10-15 times your annual income is sufficient to provide for a safe future for your family. If budget is a problem, you can go for a monthly premium payment option over a yearly commitment. However, it is important to have a sufficient term insurance cover so that your family's financial security is not comprmised. A term insurance premium calculator will help you in choosing the term insurance cover well suited to your budget

What policy term should I select?

You should get a policy till your retirement age. But financial liabilities can continue beyond retirement too. ICICI Prudential Life term plan also gives you the option to get a whole life plan till the age of 99 years. It will be cheaper to buy a policy for a longer term now than to purchase another one later.

What are the in-built benefits offered under ICICI Pru iProtect Smart term insurance?

ICICI Prudential Life term plan comes with two in-built benefits:

Terminal Illness Benefit: You receive 100% claim payout in case you contract a terminal illness ³
Permanent Disability Benefit: All your future premiums are waived off while your policy continues if you get a permanent disability ⁵

Refer to our product guide to know more about these benefits.

What is the maximum cover I can get without going for physical medicals?

Our term insurance plan offers a term insurance cover up to ?2 crore and an additional critical illness benefit (optional) of up to ?25 lakh with only telemedicals process (subject to underwriting). The same can be completed from the safety of your home. In case you are required to undergo physical medicals, our team will contact you for the same.

What are the optional benefits available under this term insurance plan?

There are two additional benefit options available with ICICI Pru�s term plan:

Critical Illness Cover: This is an optional benefit the customer can purchase wherein he/she receives a pre-determined claim amount in case of diagnosis of any of 34 specified critical illnesses ^##. No bills or proof of expenditure is required. There is also no restriction of network hospitals. You can use the claim amount to get a treatment of your choice or however else you deem fit. This benefit is accelerated and not additional, which means the policy will continue with the Death Benefit reduced by the extent of the critical illness benefit paid.
Accidental Death Cover ⁹: This is another optional benefit wherein an additional cover is payable in case of death due to accident. The maximum cover that can be availed is ₹2 crore.

Why is Critical Illness cover ^## important?

If you are ever diagnosed with a critical illness, it can not only affect you physically and emotionally but also financially. A critical illness can cause you to leave your job temporarily or permanently and lose out on your income.

ICICI Pru iProtect Smart offers the optional benefit of covering yourself against 34 Critical Illnesses ^## such as cancer, heart attack and kidney failure by paying just a little extra premium. The best part about this benefit is that you receive the full claim payout on the first diagnosis of any of the covered 34 Critical Illnesses. No hospital bills are needed, nor is there any restriction of getting treated at network hospitals. This claim amount can not only be used for a treatment of your choice but also safeguard your family against the loss of income arising out of the illness.

Did You Know: 33%^$$ of our online customers purchase the optional critical illness benefit with their policy.

How much Critical Illness benefit ^## can I choose under this term plan?

The minimum Critical Illness benefit you can choose is ₹1 lakh and the maximum benefit is ₹1 crore. The cost of medical treatment is continuously rising. So it is recommended to have a critical illness cover that is at least 2 times of your current annual income.

When do you receive Critical Illness pay-out?

The Critical Illness benefit amount is payable immediately if and when you are diagnosed for the first time with any of the 34 critical illnesses ^## covered by ICICI Pru iProtect Smart. A copy of the diagnosis report is required to initiate the critical illness claim and it is payable basis fulfillment of definition of the diagnosed critical illness.

This benefit is accelerated and not additional, which means the policy will continue with the Death Benefit reduced by the extent of the critical illness benefit paid.

Refer to our product guide for more details.

What happens to the policy and premium when the policyholder is diagnosed with a Critical Illness?

The policy continues with the life cover reduced by the amount paid out for the critical illness claimed. The premiums to be paid are also accordingly reduced.

What is Accidental Death cover ⁹?

Accidental Death Cover is an optional benefit available under ICICI Pru iProtect Smart which provides the nominee with a higher payout in case of death of the policyholder due to an accident. The maximum benefit that can be taken in this case is ?2 crore. Accidental Death Benefit is only applicable up to age of 80. You can chose to add this benefit to your term insurance policy anytime during the term of your policy.

Why should I buy a separate Accidental Death cover ⁹ when accidental deaths are already covered in the base plan?

An accidental death can have an involvement of additional costs. It is therefore wise to opt for additional cover in case of death due to accident so that your family is adequately protected in your absence.

Did you know: 35%^$$ of our customers purchase the optional accidental death benefit along with their policies.

How much Accidental Death benefit ⁹ can I choose under this term Insurance plan?

The minimum Accidental Death benefit you can choose is ₹1 lakh. The maximum benefit will be up to the basic life cover subject to maximum of ₹ 2 crore, as per the company policy. We recommend you get a minimum of ₹50 lakh accidental death cover to make sure your family is financially protected in case you die in an accident. Please note that Accidental Death benefit is offered at flat rates, e.g. a ₹50 lakh Accidental Death benefit comes for just ₹287 p.a., whatever your profile is.

What all methods are available to make premium payment?

The various payment methods available for online payment of premiums include credit card, debit card, net banking, UPI, Google Pay, Amazon Pay and other popular payment wallets.

Will my premium increase every year?

No, the premium for the entire policy term is fixed at the time you purchase the policy. The tax component (GST) may change as per Government of India regulations or applicable tax laws.

What are the advantages of limited pay premium option?

Limited Pay is a great option wherein the customer pays premium for a limited period while enjoying the benefits of the plan for the entire policy term. This lets you free from the burden of paying premiums early on while keeping your family secured for a long period of time. While the premiums to be paid are slightly higher than regular pay; with the limited pay option, you can end up saving up to 65% ^** on total premiums paid.

Which are the different payment terms available for paying premium under ICICI Pru iProtect Smart?

We have 3 payment terms available:

� Regular pay where you pay for the entire policy term
� Limited pay where you pay for only 5 years, 7 years, 10 years, till the age of 60 years and policy term � 5 years
� Single pay where you pay the entire premium in one go (Note � max policy term available with single pay option is 20 years)

What is the ideal premium payment term?

Although you can pay for the entire policy term, we suggest that you pay your premiums till the time you are earning. If you are young, it would be wise to go for a 5, 7 or 10 year limited pay and get done with paying premiums before more responsibilities get added on to your life. If you are 35 or above, you can choose limited pay till 60 years, i.e. retirement.

Which are the different payment frequencies available for paying premium?

You can choose to pay the premiums monthly, half-yearly or yearly. Paying yearly helps you save 2.5% on your premium payments ⁷ Our term insurance premium calculator gives you the flexibility to choose the payment frequency as per your comfort.

Can I change premium payment frequency during the policy term?

Yes, you can.

What is the grace period for making premium payment?

A grace period for payment of premium of 15 days applies for monthly premium payment mode and 30 days for other modes of premium payment. If the premium is not paid within the grace period, the policy shall lapse and cover shall cease.

What are the various methods of paying premium online?

The various payment methods available to make your premium payment include credit card, debit card, net banking, UPI, Google Pay, Amazon Pay and other popular payment wallets.

What are the payout options available under Our Term Plan?

You can choose how you want your nominee to receive the term insurance claim payout, from our four flexible payout options:

Lump sum � entire claim amount is paid out at once
Monthly income �life cover payout in made in equal monthly instalments
Increasing income � life cover payout in monthly instalments that increase by 10% every year
Lump sum + Income � one large payout at once and remaining in monthly instalments
Our term insurance premium calculator allows you to check premiums for each of these payout options and you can choose whichever is the best suited for you.

What is lump sum payout and who should choose it?

Under lump sum payout, the entire life cover amount is paid to your nominee in one go. This is the most preferred option for our online buyers and is especially helpful if you have a large outstanding loan to be paid off like a home loan.

What is monthly income plan and who should choose it?

Under the monthly income plan, 10% of the benefit amount is payable to your nominee every year for 10 years. This is paid in equal monthly instalments, in advance, at the rate of 0.83333% of the total benefit amount. This is the most economical payout option. You can choose this option if you want your family to receive a regular monthly income.

What is increasing monthly income plan and who should choose it?

Under the increasing monthly income plan, the benefit amount is payable in monthly instalments for 10 years starting with 10% of the benefit amount per annum in the first year. The income amount will increase by 10% per annum simple interest every year thereafter. This payout option gives 45% more life cover. For example, if your life cover is ₹1 Ccrore, then your family will receive ₹10 lakh in the first year, ₹11 lakh in the second year, ₹12 lakh in the third year and so on for 10 years. This way, at the end of the 10th year, the total life cover received will be ₹1.45 crore. This option is useful if you would like to account for inflation and the rising cost of living.

What is lump sum plus income option and who should choose it?

Under the new lump sum plus income option, you have the flexibility to split the life cover amount that you want your nominee to receive as lump sum and the remaining life cover will be paid in equal monthly payments for 10 years. For example, if your life cover is ₹1 crore, you can choose to give ₹50 lakh as lump sum and the remaining ₹50 lakh will be paid out in equal monthly instalments of ₹41,667 per month, at the rate of 0.83333% per month over 10 years. This option will help your family pay off a small loan while also have a regular income.

Can the nominee be changed after I have purchased the policy?

Yes, you can change the nominee at any time during the policy term by informing the company. You can also add multiple nominees.

What all details of the nominee are required to purchase this plan online?

The details needed of the nominee are their full name, gender, date of birth and relationship with life assured. Your nominee can be your spouse, children, parents, siblings or their spouses, uncles, aunts, nieces, nephews, or even your grandparents or grandchildren.

What all information should my nominee know?

Make sure you tell your nominee about their nomination in this plan and share all the details of the plan with them including the cover amount, policy term and payout method chosen by you. You should also tell them if you have opted for any riders. Your nominee should know where the policy kit is. They should understand the claims process properly and know what all documents are needed to make a claim.

What will happen if my nominee passes away before me?

If your nominee passes away before you, you will have to appoint some other person as your nominee. If the nominee and policy holder pass away together, then the claim payout will be made to the next legal heir.

What is the process of policy issuance?

Once your application is filled, premium is paid, all KYC documents are submitted and medical check is done (if required), the policy will be issued. You can use the application tracker on our website to check the status of your policy.

What is the process of medical check-up?

You will be informed if you need to get a medical check-up done based on the health details submitted by you. You can fix an appointment for the check-up on our website. The cost of the medical tests is borne by the company.

Home/Office visit: If you have selected this option, you can choose the date and time of examination as per your convenience at your home or office. The tests are completed in about 15-20 minutes. These tests comprise of:

� Blood Test
� Electrocardiogram (ECG)
� Any additional tests in case required by our team of expert underwriters

Medical center visit: You can choose the date, time & center of examination as per your convenience. These tests are completed within an hour and comprise of:

� Blood Test
� Electrocardiogram (ECG)
� Tread mill test
� Chest X-ray
� Sonography

How will I receive my policy documents?

After issuance, you will receive the policy documents on your registered email ID and mobile number. The physical copy of policy certificate will be also sent to your communication address.

Am I allowed to change the sum assured once I have bought the policy?

Yes. ICICI Prudential Life term plan comes with Life Stage benefit ¹² wherein you have the option to increase your cover at key milestones like after marriage (50% increase) and first and second childbirth (25% increase in each case) without any medicals. Additional premium will be calculated based on the increased life cover and remaining policy term as per your age at the time of each such increase.

Am I allowed to change the policy term once I have bought the policy?

No, the policy term cannot be changed once the policy is issued.

What happens to the policy if the premium is not paid before the due date?

A grace period for payment of premium of 15 days applies for monthly premium payment mode and 30 days for other modes of premium payment. If the premium is not paid within the grace period, the policy shall lapse and cover will cease.

Can I return the policy if I am not satisfied with it?

ICICI Prudential Life online term plan comes with a 30 day free look up period. If you are not satisfied with your policy, you can return it back to us within 30 days of purchase and get your money back.

What will happen to my policy if I become NRI after purchasing this policy?

Once you buy the policy, you stay covered whether you are in India or abroad.

What is the application process to buy this plan?

The online application process to buy this plan is very simple and can be completed in a few minutes. You just need to keep your PAN card, an address proof (Aadhar card/Passport/Driving License/Voter's ID) and a recent photograph ready and can complete the process anytime anywhere. Once you are done customising your quote using the term insurance premium calculator, you can proceed to the application form. The application form consists of three sections.

Personal Information: Here, you need to enter your full name, marital status, highest education level, occupation, PAN number, and your communication address. In case you are salaried, you will be required to give details of the organization you work for � the name and type of organization. In addition to this, you will also be asked to enter details of your nominee � their full name, gender, date of birth and relationship with life assured. You will be required to declare any other life insurance policies you might have.
Health Details: Here, you need to enter your height, weight and details of pre-existing health conditions, if any. Fill in this page very carefully and to the best of your knowledge to prevent rejection of claim due to incorrect information later.
Documents Upload: You can choose to upload documents now for faster issuance or proceed to payment directly and upload the documents later. Documents needed are your photograph, PAN card, Address Proof (Aadhar card/Passport/Driving License/Voter's ID) and Income Proof (last 3 months� salary slips/ last 3 years� ITR/ last 6 months� bank statement/ Form 16). Accept the declaration that all the information submitted by you is correct and move to the payments page.

Once you fill the form, you can then choose a payment mode as per your convenience. The various payment methods available include credit card, debit card, net banking, UPI, Google Pay, Amazon Pay and other popular payment wallets.

In case you are required to undergo a medical examination based on the health details submitted by you, you will be asked to enter your pin code. Basis the pin code and type of tests required, you will be entitled to either a home visit medical test or one at a nearby medical center. You can choose the date and time of examination as per your convenience.

You can track the status of your application using our Application Tracker.

Can I fill this application form on my mobile phone?

Yes you can. Our application form is mobile friendly and can be filled anytime anywhere in just a few minutes!

What documents are required for buying a policy online?

You are required to upload a clear copy of the following KYC documents in jpeg or pdf form:

i. One recent photograph
ii. PAN card (mandatory)
iii. Income proof (last 3 months� salary slip/ last 3 years� ITR/ Form-16/ last 6 months� bank statement)
iv. Official ID proof (passport/driving license/voter's ID/Aadhar card)

What all income can I club in the income field in the application form?

If you are salaried then please share your annual salary as income. If you are self-employed then please share the average annual income of last 3 years as per the filed ITR.

Which address has to be mentioned in the application form?

In case your communication address is different from your permanent address, there are separate fields to mention both of them. Make sure you are available at your communication address as this is where your policy documents will be sent after issuance.

How can I check the status of my application?

You can check the status of your application by going to the Application Tracker.

How can I cancel my application?

You can cancel the policy application by submitting a request at our call center number 1860 267 9997

What are the various methods of paying premium online?

The various payment methods available to make your premium payment include credit card, debit card, net banking, UPI, Google Pay, Amazon Pay and other popular payment wallets.

How much tax can I save with a term plan?

You can save tax up to ₹54,600^ with a term plan. Premium paid and benefits received are eligible for tax benefits under section 80C, 80D and 10(10D).

How will I get instant tax certificate?

You can download the tax certificate/premium paid certificate from the website as soon as you make the payment.

What is the Married Women's Property (MWP) Act and who is it useful for?

The Married Women's Property (MWP) Act is useful for self-employed people. As a business-owner, you deal with various vendors, lenders and creditors on an everyday basis. In your absence, your term insurance proceeds may be taken by people who you owe money, or even your relatives. Availing a term insurance plan under the Married Women's Property Act 1874 (MWP Act) helps in protecting your family's financial interests in your absence. Once a policy is availed under the MWP Act, it may not be attached by courts for repayment of your debts. Only your wife and children will be entitled to the Sum Assured in the event of your demise.

Does ICICI Pru iProtect Smart provide the option to buy the plan under Married Women's Property (MWP) Act?

Yes, if you are self-employed, you can buy ICICI Pru iProtect Smart under MWP act and your wife and children can be beneficiaries under this act.

Who all can be added as a beneficiaries under the MWP Act?

You can nominate your wife and/or children as beneficiaries under MWP act.

Are there any special advantages available for women?

Our term insurance plan is available at special rates for women, with up to 18%^�� lower premiums! Our term insurance premium calculator will help you in customising your plan as per your needs. The optional Critical Illness benefit^## also covers women related cancers, breast cancer and cervical cancer.

Can this policy be purchased by housewives?

Yes, this policy can be purchased for housewives for a life cover amount up to ₹50 lakh. Those who work for you round the clock also deserve a term insurance protection. However, please note that the husband also needs to opt for a life cover amount of at least of ?50 lakh.

Can this policy be purchased by pregnant women?

While pregnant women can purchase a term plan, the final decision of whether to issue a policy or not will depend on the underwriting guidelines.

Can I purchase term insurance if I'm a smoker?

Yes, you can purchase term insurance if you are a smoker.

I smoke occasionally, do I need to declare myself as a smoker?

If you have consumed tobacco in any form in the last 12 months, you need to declare yourself as a smoker.

I earlier used to smoke cigarettes but now I have quit smoking. Do I need to declare myself as a smoker?

If you have consumed tobacco in any form in the last 12 months, you need to declare yourself as a smoker.

What will happen if I start consuming alcohol or tobacco after policy issuance?

Your policy will not be affected if you start consuming alcohol or tobacco after policy issuance.

Is there any difference between premium rates of smoker and non-smoker buyers?

Yes, as a smoker you present a greater risk of death than a non-smoker. Hence, premium rates for smokers are higher than that of non-smokers..

Does the premium calculation have any impact on smokers?

The premium amount of the smoker would be more as compared to a non smoker belonging to the same age and gender profile. Our term insurance premium calculator will help you out with calculating the right premium for your needs.

Will COVID-19 claims⁸ be covered under this policy?

Yes, all death claims arising due to corona virus COVID 19 will be covered and processed as per the terms and conditions of the policy.

What is Claim Settlement Ratio and why is it important?

The Claim Settlement Ratio tells you how many claims for life insurance have been paid out as a proportion of the total number of claims made. The higher this ratio is, the better. A higher ratio means there is a greater chance of your claim being settled. ICICI Prudential Life has a high claim settlement ratio ^~ of 97.9%.Along with having a high claims ratio, ICICI Prudential Life has also paid ₹195.28 bn^$ in claims, a high number in the industry.

What is the claims process?

We have a 3-step claims process:

Step 1: Claim Reporting

You can report your claims online, at our branches, central office, via SMS, e-mail or through our call center as per your convenience. However, claims reported online, through SMS or e-mail will not be considered as intimation. Physical documents will be required to be sent to the nearest branch to start the process. The documents needed are:

- Claimant Statement Form (Death claims / Health claims )
- Death Certificate (for Death Claims)
- Medical/Hospitalization Documents
- Claimant's current address proof, photo identity proof and cancelled cheque / Copy of bank passbook (for Death Claims)

Step 2: Claim Processing

Our dedicated ClaimCare team will assess your claim and inform you in case any more documents need to be submitted. Post receiving all the necessary documents, we will process your claim request

Step 3: Claim Settlement

Once your claim is intimated and we receive all the relevant documents, we will settle your claim

For more detailed information on Claims, visit https://www.iciciprulife.com/insurance-claim.html

How long does it take for claims to be settled?

Our average turn-around time for settling a claim as of FY 20-21 is 1.4 days ^>

Can a claim be rejected?

It is possible for a claim to be rejected if 'non-disclosure' or 'misstatement' of facts is discovered during an investigation. When a fact that affects the policy issuance decision is not disclosed in the proposal, it is termed as 'non-disclosure'. Similarly, withholding information or providing incorrect information while answering questions in the proposal form^^ is termed as, 'misstatement'.

For example, when an applicant is suffering from kidney related ailment and does not inform the insurer about the same in the proposal form, it is termed as non-disclosure. Similarly, when an applicant overstates his or her income, then it is called a misstatement

Will the claim be settled if I die within one year of policy purchase?

Only claims resulting from suicide are not payable within the first year of policy. All other claims are payable.

Will this policy honour my claim if I die outside country?

Yes, the policy covers deaths all over the world.

Protect the ones
you love the most

Protect the ones you
love the most

Steps to buy

How the plan works? Play Video

Quick Guide to your plan

Term Plan

Additional Benefits

Term Plan Calculator

Quick Guide to your plan

Claim Settlement Process

Why choose ICICI Prudential Life?

Frequently Asked Questions

Protect the ones you love the most

Protect the ones you love the most

Term Insurance Calculator

Steps to buy

How the plan works? Play Video

Quick Guide to your plan

Term Plan

Additional Benefits

Term Plan Calculator

Quick Guide to your plan

Claim Settlement Process

Why choose ICICI Prudential Life?

Frequently Asked Questions

Benefits of ICICI Pru iProtect Smart Plan

Protect the ones
you love the most

Protect the ones you
love the most