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Creating your personal application

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

ULIP

Create wealth and protect family with one plan
  • Tax-free* market-linked returns
offer

0% premium allocation charge for online buyers

Why you should buy this plan
  • Tax-free* market-linked returns
  • Life Cover till 99 years of age
  • Partial/Regular withdrawals without any cost3
  • Extra Wealth Boosters at 3.25%2
  • Return of charges+

Why this plan is right for you?

Life Insurance premiums are now eligible for LTC benefits
All life Insurance policies purchased from October 12,2020 to March 31,2021 are eligible for the Leave Travel Concession (LTC) Cash voucher scheme
COMP/DOC/Dec/2020/2312/5036
Read plan details Plan details Benefit illustration Download brochure brochure
offer

0% premium allocation charge for online buyers

Check returns

Plan starts at just ₹ 2,500 p.m.

Enter your personal details

Gender

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If you wish to be redirected to calculate your premium without sharing your personal details, click here.

Calculate Returns
Why you should buy this plan
  • Tax-free* market-linked returns
  • Life Cover till 99 years of age
  • Partial/Regular withdrawals without any cost3
  • Extra Wealth Boosters at 3.25%2
  • Return of charges+

Why this plan is right for you?

Key benefits of ICICI Pru Signature

Financial Protection

Financial Protection

Life Cover for the entire policy term so that your family is financially secured even in your absence.

Return of Charges

Return of Charges

No Premium allocation charges. Return of mortality charge and policy administration charges at maturity. +

Investment Flexibility

Investment Flexibility

Choice of 4 portfolio strategies and 13 funds across equity, balanced and debt to suit your investment needs. Also enjoy the flexibility to opt for Change in Portfolio Strategy (CIPS).

Unlimited Free Switches

Unlimited Free Switches

Switch between the funds as many times for Fixed Portfolio Strategy, completely free of cost.5

Wealth Boosters

Wealth Boosters

Get rewarded with Wealth Boosters2 at regular intervals by just staying invested in the plan.

Money at regular intervals

Money at regular intervals

Get money at regular intervals to fund your different life goals with Systematic Withdrawal Plan3. Get Partial Withdrawals without any penalty or reduction in life cover.

Tax Benefits

Tax Benefits*

Get tax-free maturity amount subject to Sec 10(10D) and tax benefits on premium paid under Sec 80 C.

Good to Know

Save tax on premium paid and get tax-free return on maturity as per tax laws *

Good to Know

Even out market ups and downs in the long run and get better returns with benefit of Rupee Cost Averaging

Good to Know

Entire premium without any deductions is invested in the funds of your choice

Good to Know

Why Choose ICICI Prudential Life^

₹ 1,50,000 Cr+
Assets Under Management as on March 31, 2020
₹ 1,93,000 Cr+
Benefit paid up till March 31, 2020
1.6 Days
Average claim settlement time

How does the plan work?

Illustration 1 Illustration 2

PUt your savings to work

Mayank is a 25 year old software engineer who recently started working. Mayank is looking for an efficient plan to invest some money every month such that he doesn’t overspend and can save tax. He is hoping to build a fund corpus in a few years to be able to fund his life goals which includes taking an international trip.

ICICI Pru Signature,

Monthly premium ₹ 5,000 for 10 years with policy term 20 years and Life Cover ₹ 6 lakh

Illustration 1
Age 25 25 Age Age 45 45 Age

Premium payment

1

Rupee

2

Rupee

3

Rupee

4

Rupee

10

Rupee

At the age of 36, he makes a one-time partial withdrawal of
10%

money
down-line
Maturity amount

₹ 14.63 lakh

ARR at 8%

₹ 8.27 lakh

ARR at 4%
maturity-amount

At Maturity he receives fund value with mortality and policy administration charges added back.

PUt your savings to work

Rohit is a 35 year old senior corporate executive. Rohit is looking for an efficient plan to benefit from potentially high market linked returns, save to fulfil his daughter’s dreams and secure his family's future. He purchases ICICI Prudential Signature online.

ICICI Pru Signature,

Monthly premium ₹ 10,000 for 20 years with policy term 20 years and Life Cover of ₹ 12 lakh

Age 35 35 Age Age 55 55 Age

Premium payment

1

Rupee

2

Rupee

3

Rupee

4

Rupee

5

Rupee

20

Rupee
Maturity amount

₹ 50.11 lakh

ARR at 8%

₹ 32.60 lakh

ARR at 4%
maturity-amount

At Maturity he receives fund value with mortality and policy administration charges added back.

Put your savings to work

32 year old Raj is working as a manager in an MNC and is the sole earning member of the family. He is a new father and wants to provide the best education to his 1 year old daughter, Rhea. He wants to start disciplined saving such that can pay for Rhea's higher education and she doesn't have to compromise. He invests ₹ 10,000 per month in ICICI Pru's Signature to accumulate an education corpus for Rhea by the time she turns 21.

ICICI Pru Signature,

Monthly premium ₹ 10,000 for 20 years with policy term 20 years and Life Cover of ₹ 12 lakh

Age 35 32 Age Age 55 52 Age

Premium payment

1

Rupee

2

Rupee

3

Rupee

4

Rupee

5

Rupee

20

Rupee
Maturity amount

₹ 50.14 lakh

ARR at 8%

₹ 32.61 lakh

ARR at 4%
maturity-amount

At Maturity he receives fund value with mortality and policy administration charges added back.

PUt your savings to work

Vaibhav is a 25 year old manager at an MNC. He is single and is looking for an efficient plan to save on tax while creating a corpus for his dream car in the future.

ICICI Pru Signature,

Vaibhav pays ₹ 1.5 lakh per year for 10 years and gets a Sum Assured of 15 lakh.This way, every year he saves on tax as his entire annual premium of 1.5 lakh is available for tax deductions u/s 80 C

Age 25 25 Age Age 35 35 Age

Premium payment

1

Rupee

2

Rupee

3

Rupee

4

Rupee

5

Rupee

10

Rupee
Maturity amount
Eligible for tax deductions u/s 10(10 D)4

₹ 21.80 lakh

ARR at 8%

₹ 17.53 lakh

ARR at 4%
maturity-amount

At Maturity he receives fund value with mortality and policy administration charges added back.

Put your savings to work

Rohit is a 30 year old senior corporate executive. Rohit is looking for an efficient plan to to build a sizeable corpus for his retirement at 60 years. He also wants to benefit from potentially high market linked returns. He purchases ICICI Prudential Signature online for his retirement needs.

ICICI Pru Signature,

Monthly premium ₹ 10,000 for 30 years with policy term 30 years and Life Cover of 12 lakh

Age 35 30 Age Age 55 60 Age

Premium payment

1

Rupee

2

Rupee

3

Rupee

4

Rupee

5

Rupee

30

Rupee
Maturity amount

₹ 1.15 crore

ARR at 8%

₹ 57.80 lakh

ARR at 4%
maturity-amount

At Maturity he receives fund value with mortality and policy administration charges added back.

ARR : Assumed Rate of Return. For the purpose of illustration, the Company has assumed 8% and 4% as rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits that you may get. As the value of the policy depends on a number of factors including future investment performance.

We are happy to help you

Need help?

Our experts are happy to answer any questions you may have.

Call us at 1800-267-9777

Call centre hours -
9.00 a.m. - 9.00 p.m. all days

Frequently asked questions

What are the minimum and maximum policy term available in this plan?
  • You can opt for any policy term between 10-30 years.
  • For whole life policy term option, policy term will be equal to 99 years minus age at entry.
  • You can choose to pay either for limited period or regularly
    • For Limited Pay option, the premium payment term is limited to 5,7 and 10 years.
    • For Regular Pay option, the premium payment term is same as the policy term.
  • For the Whole life option, you can only choose to pay for a limited period of 7, 10 and 15 years.
This facility is designed to help you provide liquidity so that any immediate financial need such as child’s education, retirement money or additional money for day-to-day expenses can be met. This facility allows you to withdraw a pre-determined percentage of your fund value regularly.
This facility can be opted at policy inception or anytime during the policy term. You can avail this any time after the completion of five policy years, provided the monies are not in the Discontinued Policy (DP) fund. You can make unlimited number of partial withdrawals as long as the total amount of partial withdrawals in a year does not exceed 20% of the Fund Value in a policy year.
  • The minimum premium to start this plan is ₹ 30,000 p.a. and maximum premium is unlimited.
  • For whole life policy term, minimum premium is ₹ 60,000 p.a. and maximum premium is unlimited.
  • You can start this plan from any age between 0 to 60 years.
  • The minimum and maximum age at maturity is
    • For policy term other than whole life
      • Minimum maturity age: 18 years
      • Maximum maturity age: 75 years
    • For whole life option
      • Maturity age is 99 years
We will contribute to your wealth creation by allocating extra units to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term. Each Wealth Booster will be equal to 3.25% 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. For more information refer to the brochure.

Simple steps to buy online

Get started in just 4 simple steps

Move to smart way of investing

Choose premium amount
Step 1

Choose premium amount

Use our online calculator to decide your premium amount and policy term.

Choose premium amount
Select your choice of funds
Step 2

Select your choice of funds

Allocate funds among 13 funds across Equity, Debt and Balanced Funds basis your risk appetite.

Select your choice of funds
Make a payment
Step 3

Make a payment

Pay via a range of options including Net Banking/Debit Card/Credit Card/Payment Wallets.

Select your choice of funds
Plan issued
Step 4

Plan Issued

Congratulations! Get digital Welcome Kit as soon as the plan is issued.

Plan issued

Buying for myself male 30 years

Edit

Maturity Amount

Tax-Saving
₹ 1.00 Crore
8% ARR
₹ 1.00 Crore
8% ARR

OR

₹ 63.39 Lakh
4% ARR
₹ 63.39 Lakh
4% ARR

Life cover

You will get ₹ 1 Crore at the end of 10 years by
investing just ₹ 5,000 monthly for 10 years

Why is it the right time to invest with ICICI Prudential Life?

trusted-img

ICICI Prudential Life is the first private life insurance company to cross the ₹ 1 trillion mark for Assets under Management (AUM) and a Total Sum Assured of approx. ₹ 14.80 trillion.

The company had a debt-equity mix of 60%:40% at 31 March 2020. 93.9% of the debt investments are in AAA rated and government bonds.

The solvency ratio was 194.1% against regulatory requirement of 150%.

Maturity Amount

Tax-Saving
₹ 1.00 Crore
8% ARR
₹ 1.00 Crore
8% ARR

OR

₹ 63.39 Lakh
4% ARR
₹ 63.39 Lakh
4% ARR

Life cover

You will get ₹ 1 Crore at the end of 10 years by
investing just ₹ 5,000 monthly for 10 years
fund-perform Fund Performance brochure Download brochure

9876568976

Invest (in ₹)
Policy Term
tootltip
Till 99 years age
Payment options
Pay for
Pay Premium for

Which investment strategy would you prefer?

View Fund details
tootltip High returns and risk

We recommend the below Equity/ Balanced/ Debt fund allocation basis your risk level. However, you can also edit this allocation as per your choice.

We recommend the below fund allocation basis your risk level. However, you can also edit this allocation as per your choice.

Edit fund allocation
Income Fund 40% ATS applicable Debt
Money Market Fund 60% ATS applicable Debt
Multi Cap Growth Fund 40% Equity
Bluechip Fund 60% Equity
Opportunities Fund 40% Equity
Maximiser Fund V 60% Equity
Multi Cap Balanced Fund 40% Balanced
Maximise India Fund 60% Equity
Active Asset Allocation Balanced Fund 40% Balanced
Value Enhancer Fund 60% Equity
Secure Opportunities Fund 40% Debt
Focus 50 Fund 60% Equity
India Growth Fund 60% Equity
Equity Debt Balanced

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

Back Proceed to buy

9876568976

fund-perform Fund Performance brochure Download brochure

Why Choose ICICI Prudential Life^

₹ 1,50,000 Cr+
Assets Under Management as on March 31, 2020
₹ 1,93,000 Cr+
Benefit paid up till March 31, 2020
1.6 Days
Average claim settlement time

Buying for Self Male 30 years Invest ₹ 5,000 monthly Policy Term 10 years

Edit

Maturity Amount

Tax-Saving
₹ 1.00 Crore
8% ARR
₹ 1.00 Crore
8% ARR

OR

₹ 65.39 Lakh
4% ARR
₹ 65.39 Lakh
4% ARR

Life cover

You will get ₹ 1 Crore at the end of 10 years by
investing just ₹ 5,000 monthly for 10 years

Choose your Investment strategy

Decide how you want your funds to be allocated by choosing 1 of the portfolio strategies

Fund allocation as per your choice Fund allocation as per your choice Fund allocation as per your age Fund allocation as per your age Target asset allocation strategy Target asset allocation strategy Trigger portfolio strategy 2 Trigger portfolio strategy 2

You can decide % allocation you want to give within 13 funds. Don't worry, you have unlimited fund switches.

Feel free to edit your fund recommendation and make sure your allocation adds up to 100%

Fund details
Returns since inception
Fund allocation
Income Fund *ATS Applicable

ULIF 089 24/11/09 LIncome 105

Debt Fund
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8.70%
Money Market Fund *ATS Applicable

ULIF 090 24/11/09 LMoneyMkt 105

Debt Fund
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8.70%
Secure Opportunities Fund

ULIF 140 24/11/17 SOBF 105

Debt Fund
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8.70%
Active Asset Allocation Balanced Fund

ULIF 138 15/02/17 AAABF 105

Balanced Fund
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8.70%
Multi Cap Balanced Fund

ULIF 088 24/11/09 LMCapBal 105

Balanced Fund
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8.70%
Multi Cap Growth Fund

ULIF 085 24/11/09 LMCapGro 105

Equity Fund
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8.70%
Opportunities Fund

ULIF 086 24/11/09 LOpport 105

Equity Fund
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8.70%
Bluechip Fund

ULIF 087 24/11/09 LBluChip 105

Equity Fund
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8.70%
Maximise India Fund

ULIF 136 11/20/14 MIF 105

Equity Fund
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8.70%
Value Enhancer Fund

ULIF 139 24/11/17 VEF 105

Equity Fund
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8.70%
Maximiser Fund V

ULIF 114 15/03/11 Lmaximis 105

Equity Fund
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8.70%
Focus 50 Fund

ULIF 142 04/02/19 FocusFifty 105

Equity Fund
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8.70%
India Growth Fund

ULIF 141 04/02/19 IndiaGrwth 105

Equity Fund
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8.70%
Total fund allocation
0%
Total fund allocation should be 100%.

This is a lifecycle based strategy. Generally, younger individuals have a higher appetite for risk, hence the fund is allocated accordingly, automatically. You don't have to actively manage your funds.

Multi Cap Growth Fund - Equity

An equity fund aimed at generating superior long term returns, from a diversified portfolio of equity and equity related instruments of large, mid and small cap companies.

Income Fund - Debt

A debt fund that lets you accumulate income through investment in various fixed income securities. This fund also seeks to offer capital appreciation while maintaining a suitable balance between return, safety and liquidity.

Age

Multi Cap Growth Fund

Income Fund

0 - 25 years
80%
20%
26 - 35 years
75%
25%
36 - 45 years
65%
35%
46 - 55 years
55%
45%
56 - 60 years
45%
55%

Under this strategy, the policyholder can allocate the premiums between any two funds available with this policy in a proportion of his choice.

Every quarter, units shall be rebalanced as necessary to achieve the asset allocation as chosen at strategy inception. The re-balancing of units shall be done on the last day of each Policy quarter. If the last day of the quarter is a non-valuation date, then the next working day's NAV will be applicable.

Allocate your savings across 13 different funds

Fund details
Returns since inception
Fund allocation
Income Fund

ULIF 089 24/11/09 LIncome 105

Debt Fund
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8.70%
Money Market Fund

ULIF 090 24/11/09 LMoneyMkt 105

Debt Fund
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8.70%
Secure Opportunities Fund

ULIF 140 24/11/17 SOBF 105

Debt Fund
8.70%
Multi Cap Balanced Fund

ULIF 088 24/11/09 LMCapBal 105

Balanced Fund
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8.70%
Active Asset Allocation Balanced Fund

ULIF 138 15/02/17 AAABF 105

Balanced Fund
8.70%
Multi Cap Growth Fund

ULIF 085 24/11/09 LMCapGro 105

Equity Fund
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8.70%
Opportunities Fund

ULIF 086 24/11/09 LOpport 105

Equity Fund
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8.70%
Bluechip Fund

ULIF 087 24/11/09 LBluChip 105

Equity Fund
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8.70%
Maximiser Fund V

ULIF 114 15/03/11 Lmaximis 105

Equity Fund
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8.70%
Maximise India Fund

ULIF 136 11/20/14 MIF 105

Equity Fund
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8.70%
Value Enhancer Fund

ULIF 139 24/11/17 VEF 105

Equity Fund
8.70%
Focus 50 Fund

ULIF 142 04/02/19 FocusFifty 105

Equity Fund
8.70%
India Growth Fund

ULIF 141 04/02/19 IndiaGrwth 105

Equity Fund
8.70%
Total fund allocation
0%

Under this strategy, the Policyholder's investments will initially be distributed between two funds - Multi Cap Growth Fund, an equity oriented fund, and Income Fund, a debt oriented fund, in a 75%: 25% proportion. This allocation may subsequently change on account of market movements. The portfolio will be rebalanced on the occurrence of a trigger event.

A trigger event is defined as a 10% upward or downward movement in NAV of Multi Cap Growth Fund since the previous rebalancing. For determining the first trigger event, the movement of 10% in NAV of Multi Cap Growth Fund will be measured vis-a-vis the NAV on the date of allocation of units at inception as the reference.

On the occurrence of a trigger event, Fund Value in Multi Cap Growth Fund in excess of three times the Fund Value in Income Fund is transferred to Money Market Fund, a liquid fund, by cancellation of appropriate units from the Multi Cap Growth Fund. This ensures that the gains are capitalized, while maintaining the asset allocation between Multi Cap Growth Fund and Income Fund at 75%:25%.

If the Fund Value in Multi Cap Growth Fund does not exceed three times the Fund Value in Income Fund, funds in Multi Cap Growth Fund, Income Fund and Money Market Fund are redistributed in Multi Cap Growth Fund and Income Fund in 75:25 proportion.

Multi Cap Growth Fund

Income Fund

75%
25%
To enable ATS you must allocate part of your investment to Income Fund or Money Market Fund.
Save
Aggressive Balanced Conservative

Regular Withdrawal (Systematic Withdrawal Plan)

tootltip

You can decide to withdraw regularly for your life goals using the Systematic Withdrawal Option in this plan. Do you want to decide the withdrawal amount now or later.
You can decide/ change this at any point of time in future.

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

Back Continue

Maturity Amount

Tax-Saving
₹ 1.00 Crore
8% ARR
₹ 1.00 Crore
8% ARR

OR

₹ 65.39 Lakh
4% ARR
₹ 65.39 Lakh
4% ARR

Life cover

You will get ₹ 1 Crore at the end of 10 years by
investing just ₹ 5,000 monthly for 10 years
fund-perform Fund Performance brochure Download brochure

Why is it the right time to invest with ICICI Prudential Life?

trusted-img

ICICI Prudential Life is the first private life insurance company to cross the ₹ 1 trillion mark for Assets under Management (AUM) and a Total Sum Assured of approx. ₹ 14.80 trillion.

The company had a debt-equity mix of 60%:40% at 31 March 2020. 93.9% of the debt investments are in AAA rated and government bonds.

The solvency ratio was 194.1% against regulatory requirement of 150%.

fund-perform Fund Performance brochure Download brochure

+Amount equal to total of mortality charges and policy administration charges deducted in the policy will be added back to the fund value at maturity, provided all due premiums have been received. This amount will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation. This shall exclude any extra mortality charges and taxes levied on the charges deducted as per prevailing tax laws. Return of Mortality Charges and Policy Administration Charges is not applicable for Whole Life option.

*Tax benefit of ₹ 46,800 is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000.Tax benefits under the policy are subject to conditions under Section 80C, 10(10D), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cess (if any) will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

^Source: https://www.iciciprulife.com/content/dam/icicipru/about-us/mediacentre/ICICI_Pru_Life-FY2020_Earnings_release-25_April_2020.pdf

2Wealth Boosters equal to 3.25% 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 will be allocated as extra units to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term.

3Systematic Withdrawal Plan is allowed only after the first five policy years.

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

ARR : Assumed Rate of Return. For the purpose of illustration, the Company has assumed 8% and 4% as rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits that you may get. As the value of the policy depends on a number of factors including future investment performance."

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 Signature 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.(Existing Customer Message) - COMP/DOC/Dec/2020/1412/5002

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 1-860-266-7766 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. UIN:105L177V02. Advt. No.: W/II/2231/2020-21.

 
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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.