1. How is this plan different from traditional ULIP plan?

A ULIP plan offers protection upto 10 times of the annualised premium. ICICI Pru Protect N Gain Whole Life provides the opportunity to offer protection of upto 100 times of the annualised premium along with the wealth creation through market linked returns

2. Can riders be opted along with this plan?

Yes, ICICI Pru Protect N Gain Whole Life comes with the ICICI Pru Linked Accidental Death and Disability Rider. Please read the rider brochure to know more details

3. What is Systematic Withdrawal Plan⁴(SWP)?

SWP allows you to withdraw a pre-determined percentage of your fund value regularly. This can help you to meet specific needs such as child’s education or money for day-to-day expenses during retirement

4. When can I do partial withdrawals?

Partial withdrawals are allowed only after the first five policy years and on payment of all premiums for the first five policy years

5. What is the age eligibility to do partial withdrawals?

Partial withdrawals are allowed only if the Life Assured is at least 18 years of age

6. What are the tax benefits under this policy?

You can avail of tax benefits on the premiums you pay towards this plan and the benefit you receive subject to conditions under section 80C, 10(10D) and other provisions of The Income Tax Act, 1961

^CAfter the end of the premium payment term, in any Policy Month, if the Fund value becomes less than the value of {Annualised premium less Partial Withdrawals taken till date (if any)}, then the company shall add units equal to the difference between the value of {Annualised premium less Partial Withdrawals taken till date (if any)} and Fund Value. The check will be done for the Fund Value at the end of each Policy Month.

^LLoyalty Additions will be allocated as extra units from Policy year (67 less Entry Age) and onwards, at the end of each policy year, provided all due premiums have been paid. Each Loyalty Addition will be 0.50% of the average of Fund Values on the last business day of the last eight policy quarters.

^* Maturity benefit is policy fund value, including top up fund value, if any. On payment of maturity benefit, the policy terminates.

¹ Life cover is the benefit payable on death of the life assured during the policy term. Death Benefit will be highest of:

Max(10 x Annualised Premium, Death benefit factor x Sum Assured) plus Top-up Sum Assured (if any),

Fund Value as available on date of intimation of death or date of maturity whichever is earlier, and

105% of the total premiums paid up to the date of death.

² From the 11th policy year, 1X of premium allocation charges deducted 120 months earlier will be added back to the fund value as additional units. Starting from the 11th policy year, 1X of mortality charges deducted 120 months earlier will be added back to the fund value as additional units.

³ At policy maturity, an addition, known as Maturity Booster in the form of extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in which you have saved your money) will be made to boost your Fund Value. This Maturity Booster will be equal to 20% percentage of the average of the Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.

⁴ Systematic Withdrawal Plan is allowed only after the first five policy years.

⁵ Available through mandatory rider 'ICICI Pru Linked Accidental Death and Disability Rider'. The policy term for the rider will be 66 less entry age. Please refer to the rider brochure for more details.

⁶ Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) and other provisions of the Income Tax Act, 1961. Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.

^` Past performance is not indicative of future performance.

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

2) The premium paid in linked insurance policies are subject to investment risks associated with capital markets. 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.

3) ICICI Prudential Life Insurance Company Limited is only the name of the Life Insurance Company and ICICI Pru Protect N Gain Whole Life is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.

4) Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company.

5) 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.

ICICI Pru Linked Accidental Death and Disability Rider UIN:

ICICI Pru Protect N Gain Whole Life (A Linked, Non-Participating, Individual, Savings Life Insurance Plan.) UIN:

ADVT : E/II/2079/2025-26