ICICI Pru Platinum

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IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER^U

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

Empower your long-term
goals with financial freedom

Wealth Creation + Option for High Life Cover²

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Grow Wealth For Future

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Comprehensive protection^/

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Diverse Fund Options

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Tax^* Benefits

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Easy fund withdrawals

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Low Charge¹ Structure

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Top-Up Feature

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Settlement Option

Buy online & get 3% discount^~

Get an additional 3%^~ on both income and MoneyBack Benefit amount

Grow Wealth For Future

Comprehensive protection^/

Diverse Fund Options

Tax^* Benefits

^{^}Conditions Apply

View all benefits

Plan starts @ just ₹6,000 p.m.

Platinum ULIP calculator

You are buying this plan for

SelfSpouseChild

Your Gender

Male

Date of Birth

Years old

Annual Income Question Mark

Select your income

Occupation Details

Salaried

Mobile Number

Don't worry; we won't spam!

Qualification Details

Graduate & above

Email ID

Pincode

City

By submitting my details, I override my NDNC registration and authorize ICICI Prudential Life Insurance Company Limited, its third parties and its representatives to contact me through call, RCS, Whatsapp or E-Mail. I further consent to permit ICICI Prudential Life Insurance Company Limited to share my information on confidential basis with its third parties and its representatives (i) for contacting me (ii) for evaluating and (iii) for processing this Proposal.

To undergo suitability analysis, please click here.
By not undergoing the suitability analysis, you confirm to purchase the policy based on your independent assessment of the suitability of the product.
If you wish to be redirected to calculate your premium without sharing your personal details, click here.

How the plan works?

Plan Snapshot

High Life Cover² Option

Protect Plus option offers both Sum Assured + Fund Value on death

Diverse Fund Options

25 fund options available

Low Charge¹ Structure

Zero⁺ premium allocation charges

Lock-In Period

5 years

Withdrawals

Free withdrawal³ facility after lock-in period

Fund Switches

Free unlimited fund switches⁵

Minimum Premium

Rs. 60,000 annually

Settlement Option

Maturity benefit as structured income up to 5 years

Riders available

Waiver of premium and Accidental death and disability riders are available

Protect Plus

Growth Plus

Mr. Rahul invests

₹10,000 p.m⁹ for 10 years

Mr. Rahul Gets

Maturity amount
of ₹ 98,96,071

on 40^th year

ARR^**

8%4%

Year 1 Policy Begins

Waiting Period

on 40th
year end End of policy

Life cover^/ of ₹12 Lakh →

Tax saving on payments

₹3,74,400 in 10 years

Tax saving on maturity

₹27,13,174

**ARR (Assumed Rate of Return) refers to the standard assumption for the rate of return of 8% and 4%, as specified by IRDAI. This is just an illustration and not indicative of the actual returns you may get. Please look at our fund performance below to track the actual returns.

Loading Fund^# Performance...

The above mentioned benchmark is the benchmark used by the company to track the performance of the funds.

How to maximise your ULIP returns?

Start investing early

Pay premiums regulary

Right asset allocation

Make fund switches to safeguard your gains

Keep a younger person as the Life Assured

Steps to buy

Choose premium amount

Select your choice of funds

Fill Application form and make payment

Policy Issued

Why choose ICICI Prudential Life?

9.69 Crore

Lives covered as
on March 31, 2024⁴

₹2.76 Lakh Crore

Benefits paid till
March 31, 2024⁶

₹2.94 Lakh Crore

Assets under
management as on
March 31, 2024⁷

1 Day^<

Death Claim
Settlement

Frequently Asked Questions

What are the benefits that I get under this plan?

The ICICI Pru Platinum plan is a systematic wealth creation plan which can be purchased online to achieve your long-term financial goal. Some unique benefits of this plan are-

Wealth creation opportunity- The plan offers an opportunity to create wealth over long-term for your goal with the combination of equity, debt and balanced fund options available

Life cover^/- Life Cover^/ for the entire policy term so that your family is financially secured even in your absence. Life cover^/ will be different for following two plan options
Under Growth Plus option, life cover^/ will be higher of:

Sum Assured, including top-up sum assured if any
Fund Value, including top-up fund value if any
Minimum Death Benefit

Under Protect Plus option, life cover^/ will be higher of:

Sum Assured, including top-up sum assured if any + Fund Value, including top-up fund value if any
Minimum Death Benefit

Sum Assured Multiples can be chosen from below:

Plan Option	Age	Sum Assured multiples
Growth Plus	0 to 49 years	7 times APE or 10 times APE
Growth Plus	50 years and above	5 times APE or 10 times APE
Protect Plus	All ages	10 times APE
Single Pay
Growth Plus	0 to 49 years	1.25 times Single Premium
Growth Plus	50 years and above	1.1 times Single Premium or 1.25 times Single Premium
Top-ups
All	0 to 49 years	1.25 times top-up premium or 10 times top-up premium
All	50 years and above	1.1 times Top-up Premium or 10 times Top-up Premium

Flexibility- Choice of 4 portfolio strategies and wide range of funds across equity, balanced, and debt to suit your investment needs
Free Switches⁵ - Switch⁵ between the funds as many times for Fixed Portfolio Strategy, completely free of cost.
Tax^*-benefits- You may receive tax-free maturity amount under Sec 10(10D) and deduction of premiums paid u/s 80C
Systematic withdrawals- Option to get regular money from your fund value with Systematic Withdrawal Plan
Quick & Safe buying process- Buying this plan online is completely safe, secure & convenient. It takes only 10-15 minutes to fill the form & do the payment. You can also talk to our experts on toll-free no. 1800 209 9777 for any queries
Online servicing- The entire servicing of this plan can be done online or through our official app. This saves your time to visit the branch for any of your concerns
Low charges¹- Zero premium allocation charges

What are the tax^* benefits in this plan?

Can I buy this plan online?

How are my returns Calculated?

Who will manage my investment?

At what age can I start and close this plan? What PPT and Policy term options are available in this plan?

A) Below is the summary of this plan, explaining everything

Plan Option	Premium Payment Term (In yrs.)	Policy Term (in yrs.)	Minimum/Maximum age at entry (in years)	Age at Maturity (in yrs.)	Minimum Premium (Yearly Premium Payment Mode)	Minimum Premium (Other than Yearly Premium Payment Mode)
Growth Plus	5	70 minus Age at entry	Minimum: 0 years Maximum: 50 years	70	Rs. 60,000	Rs. 72,000
	6 - 9	75 minus Age at entry	Minimum: 0 years Maximum: 50 years	75	Rs. 60,000	Rs. 72,000
	10 - 30	75 minus Age at entry	Minimum: 0 years Maximum: 60 years	75	Rs. 60,000	Rs. 72,000
	Single Pay	75 minus Age at entry	Minimum: 0 years, Maximum: 60 years	75	Rs. 2,50,000	NA
Protect Plus	5-30	60 minus Age at entry	Minimum: 0 years, Maximum: 45 years	60	Rs. 60,000	Rs. 72,000

Can I surrender this plan?

What happens if I discontinue paying premiums?

Can I withdraw money from this plan before Maturity?

Can I switch⁵ my investment from one fund to another before Maturity?

Can I cancel this plan post purchase?

What are the charges in this plan?

Key Terminology

Sum Assured

Fund value

Net Asset Value (NAV)

Premium

Death benefit

Maturity benefit

Riders

Lock-in period

Switching option

ULIP returns

Top-ups

ULIP charges

Sum Assured

The nominee of the policy is liable to receive a fixed amount in case of the demise of the policy holder during the policy term. This amount is called the Sum Assured. When purchasing a ULIP, you must ensure that the Sum Assured you opt for is sufficient for your dependents to continue with their lives in case something happens to you.

Fund value

The premiums you pay in a ULIP are invested in funds, which grow over time. The fund value indicates the total value of the your fund on the current date. This is calculated by multiplying the number of units you own by the Net Asset Value (NAV) or the monetary value of each unit.

Net Asset Value (NAV)

In a ULIP, Net Asset Value (NAV) means the value of a single unit of your investment. An investment fund, which is a pool of investments from multiple investors (minus any liabilities), is divided by the number of outstanding units. The NAV of a fund is therefore the price of a single unit.

Premium

Premiums are the payments you make towards your plan. As an investor, you can pay premiums monthly, quarterly, half-yearly, or annually as per the mode selected by you while investing. Failure to pay the premiums on time may lead to the lapse of the ULIP Policy.

Death benefit

The death benefit is the total amount payable to the nominee by the insurance company on the policyholder’s unfortunate demise. It can either be the sum assured or the fund value, whichever is higher. What your beneficiary gets would depend on the plan you opt for. The nominees can obtain the death benefit either as a lump-sum or in monthly instalments.

Maturity benefit

Maturity benefit is offered to the policyholder when the policy tenure gets over. You can avail tax-free^* maturity amount as per Section 10 (10D) of the Income Tax Act 1961, subject to the provisions stated therein.

Riders

Riders or add-ons are the additional benefits provided by insurance companies, which enhance the value of the coverage. Typically, the most common riders offered are critical illness rider, waiver of premium rider, accidental cover, and so forth. However, these riders vary depending upon the company.

Lock-in period

Lock-in period is a stipulated time till which you cannot withdraw your investments. In case of ULIP, if a policyholder surrenders the policy before the completion of the lock-in period, the fund value is shifted to a discontinuation fund. The policyholder can withdraw the amount once the lock-in period is over. A ULIP has a lock-in period of 5 years.

Switching option

A ULIP plan allows an individual to invest in multiple fund options at the same time. However, the policyholders also have the freedom to switch between these ULIP funds. The number of switches allowed depends on the company’s policies. ICICI Pru’s Signature plan allows unlimited free switches⁵ between funds.

ULIP returns

The returns of a ULIP policy depend upon the performance of the market as well as your fund selection. One needs to stay invested for long term to be able to maximise their returns.

Top-ups

As the name suggests, the top-up premium is an additional amount paid over base premium. If a ULIP policyholder wants to increase the amount of his/her investment in funds, he/she can do so through top-ups.

ULIP charges

Insurance companies levy certain charges on a ULIP. Under a ULIP, a few of the levied charges are as follows:

Policy administration charge
Fund management charge
Mortality charge
Premium allocation charge

Disclaimer

IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER^U

^URisk factors and warning statements

Linked insurance products/ annuity products with variable pay-out options are different from traditional insurance products and are subject to the risk factors.
The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/ publicly available index and the insured is responsible for his/her decisions.
ICICI Prudential Life Insurance in only the name of the Life Insurance Company and ICICI Pru Platinum is only the name of the linked insurance contract and does not in anyway indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way, indicate the quality of these plans, their future prospects and returns

^/Life cover is the benefit payable on death of the life assured during the policy term.

^*Tax benefits under Section 80C is calculated at tax rate of 31.20% (including Cess excluding surcharge) on life insurance premium under Section 80C of ₹1,50,000/-. Further Tax benefits under Section 10(10D) is calculated at 13 % (Including Cess excluding surcharge) on proceeds without considering benefits of Rs. 125,000 As per section 112A of Income Tax Act 1961. Tax benefits under the policy are subject to conditions under Sections 80C, ,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Goods and Services tax and Cesses, if any will be charged as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details

¹There is no premium allocation charge in ICICI Pru Platinum

²Protect Plus option in ICICI Pru Platinum offers higher of Sum assured + Fund value and Minimum death benefit (105% of premiums paid)

³Systematic Withdrawal Plan and partial withdrawals are allowed only after the first five policy years. The total withdrawals in a policy year cannot exceed 20% of the fund value.

⁴9.69 Cr lives covered across our individual and group customers as per ICICI Prudential Life Council Report.

⁵Switches are only applicable for fixed portfolio strategy and not applicable for other portfolio strategies.

⁶As per Financial Statements (Schedule 4- Benefits paid (Gross)) of the company, benefits paid since inception up to March 31, 2024.

⁷Data regarding AUM is as per Annual Report of the Company for FY2024

⁸Calculated for a 30-year-old healthy male with a premium paying term of 10 years and a policy term of 30 years for limited pay option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.

⁹Calculated for a 35-year-old healthy male with a premium paying term of 10 years and a policy term of 40 years for limited pay option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.

^#Past performance is not indicative of future performance

Fund names	SFIN
Smallcap250 Momentum Quality 100 Index Fund	ULIF 157 301224 SmcMomQual 105
Mid Cap Hybrid Growth Fund	ULIF 147 050123 MCHybrdGrt 105
Mid Cap Fund	ULIF 146 28/06/22 MidCapFund 105
Mid Cap Index Fund	ULIF 149 050723 McIndxFund 105
India Growth Fund	ULIF 141 04/02/19 IndiaGrwth 105
Maximiser Fund V	ULIF 114 15/03/11 LMaximis5 105
Focus 50 Fund	ULIF 142 04/02/19 FocusFifty 105
Value Enhancer Fund	ULIF 139 24/11/17 VEF 105
MidSmall Cap 400 Index Fund	ULIF 153 150424 MidSmal400 105
Opportunities Fund	ULIF 086 24/11/09 LOpport 105
Multi Cap Growth Fund	ULIF 085 24/11/09 LMCapGro 105
Maximise India Fund	ULIF 136 11/20/14 MIF 105
Bluechip Fund	ULIF 087 24/11/09 LBluChip 105
Multi Cap Balanced Fund	ULIF 088 24/11/09 LMCapBal 105
Balanced Advantage Fund	ULIF 144 03/06/21 BalanceAdv 105
Sustainable Equity Fund	ULIF 145 03/06/21 SustainEqu 105
Active Asset Allocation Balanced Fund	ULIF 138 15/02/17 AAABF 105
Income Fund	ULIF 089 24/11/09 LIncome 105
Money Market Fund	ULIF 090 24/11/09 LMoneyMkt 105
Secure Opportunities Fund	ULIF 140 24/11/17 SOF 105
Constant Maturity Fund	ULIF 148 050123 ConstntMat 105
MidSmallCap 400 Momentum Quality 100 Index Fund	ULIF 156 251024 MscMomQual 105
Mid Cap 150 Momentum 50 Index Fund	ULIF 151 180124 McMomentum 105
Multicap 50 25 25 Index Fund	ULIF 152 220224 MultiCapIF 105
India Consumption Fund	ULIF 158 170425 IndConsump 105

^<ClaimForSure: 1 Day Death Claim Settlement is available for the following:

a) Policies that have been active for 3 consecutive years. All due premiums in the policy have been paid and the policy has been active for 3 consecutive years preceding life assured's death.

b) All mandatory claim documents are submitted at the branch. Mandatory documents to be submitted at Branch Office-Claimant statement form,Original policy certificate,Copy of death certificate issued by local authority, AML KYC documents-Nominee's recent photograph, Copy of Nominee's pan card,Nominee's current address proof, photo identity proof, Cancelled cheque/Copy of bank passbook,Copy of medico legal cause of death,Medical records (Admission notes,Discharge/Death summary,Test reports, etc). For accidental death-Copy of FIR, Panchnama,Inquest report,Postmartem report,Driving license.

c) Total claim amount of all the life policies held by the Life Assured <=₹ 1.5 Crore

d) Claim does not require any on-ground investigation

^<1 Day is a working day, counted from date of receipt of all relevant documents from the claimant, additional information sought by the Company and any clarification received from the claimant. The Company will be calling the claimants for verification of information submitted by the Claimant which will also be considered as part of relevant documents. Working day will be counted as Monday to Friday and excluding National holidays/Bank holidays/Public holidays.

Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

Unit Linked products are different from traditional insurance products and are subject to the risk factors.

The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions.

ICICI Prudential Life Insurance is only the name of the Life Insurance Company and ICICI Pru Platinum is only the name of the unit linked insurance product and does not in any way indicate the quality of the product, its future prospects and returns.

Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.

The various funds offered under this product are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Comp code.- COMP/DOC/May/2025/25/0138

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837. ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. For enquires related to new policies purchased online, please call us on 1800-2660 and select option 4 on our Interactive Voice System. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. ICICI Pru Platinum UIN:105L192V03, Advt. No.: W/II/0103/2025-26

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Rider Disclaimer

¹Accidental death benefit option: If the life assured covered by this benefit option passes away, due to an accident which happens within the coverage term, the Accidental Death Sum Assured will be paid out as a lump sum to the nominee. This amount will be payable if the accident occurs within the coverage term set under this benefit option, but death occurs beyond the Coverage term (however within 180 days from the date of the accident), provided the option is in-force or in grace period at the time of accident. On payment of the Accidental Death Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished.

²Accidental total and permanent disability benefit option: If the life assured covered by this benefit option become totally, continuously, and permanently disabled as a result of accident i.e., Accidental Total Permanent Disability and meets any of 3 clauses as defined in the policy document, the Accidental Total and Permanent Disability Sum Assured will be paid out as a lump sum to the nominee. On payment of the Accidental total and permanent disability Sum Assured to the Claimant, the benefit option will terminate and all rights, benefits and interests under the option will stand extinguished. For more details, kindly refer to the Rider policy document.

³Waiver of premium rider when attached to a base policy will waive all future premiums payable under the Base Policy including any Underwriting Extra Premiums on the occurrence of the contingent event, as mentioned under the chosen Benefit Option. Kindly refer to the sales brochure of ICICI Pru Linked Waiver of Premium Rider for further information.

¹⁴Term Booster Benefit Option : Sum Assured under this benefit will be payable in lumpsum to the Claimant in the event of earlier of death or terminal illness of the Life Assured.

A Life Assured shall be regarded as Terminally Ill only if that Life Assured is diagnosed as suffering from a condition which, in the opinion of two independent medical practitioners specializing in treatment of such illness, is highly likely to lead to death within 6 months. The Terminal Illness must be diagnosed and confirmed by medical practitioners registered with the Indian Medical Association and approved by the Company. The Company reserves the right to independent assessment.

⁴Tax benefits under Section 80C is calculated at tax rate of 31.20% (including Cess excluding surcharge) on life insurance premium under Section 80C of ₹1,50,000/-. Further Tax benefits under Section 10(10D) is calculated at 13 % (Including Cess excluding surcharge) on proceeds without considering benefits of Rs. 125,000 As per section 112A of Income Tax Act 1961. Tax benefits under the policy are subject to conditions under Sections 80C, ,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Goods and Services tax and Cesses, if any will be charged as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details

ICICI Pru Linked Accidental Death and Disability Rider. UIN: 105A043V03.

ICICI Pru Linked Waiver of Premium Rider UIN: 105A045V02