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IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDERU
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
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Buy online & get 0% discount‘ on premium allocation charge
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Earn returns for a comfortable retirement

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Tax* benefits on returns received u/s 10(10D)

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Get tax* benefits on premiums paid u/s 80C*

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Enhanced Protection3 for your family

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Plans start at just ₹2500 p.m. Invest Now!

ULIP Calculator

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click hereBy 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

Recommended For

Regular Investor

Retirement

Child Education

Existing Customer

Equity Investor

Tax-Saver*

Regular Investor

People in the market looking for a financial instrument that helps them grow and save their money regularly and want to take advantage of a low charge plan with the flexibility of investment and withdrawal.

Pay

₹5000 p.m. for 20 years

Get

₹24.29 Lakh1’

●ARR

Retirement

People looking to build a corpus for their retirement can invest in this plan to enjoy tax-free* market-linked returns.

Pay

₹15000 p.m. for 25 years

Get

₹1.14 Crore2’

●ARR

Child Education

Parents looking to build a corpus for their child’s higher education will benefit from market-linked returns. The Systematic Withdrawal Plan allows withdrawal from your fund at your child’s important milestones.

Pay

₹10000 p.m. for 15 years

Get

₹30.03 Lakh3’

●ARR

Existing Customer

Existing ICICI Prudential customers wishing to take advantage of financial markets can buy this plan easily from home.

Pay

₹10000 p.m. for 10 years

Get

₹23.03 Lakh4’

●ARR

Equity Investor

People who wish to take advantage of market-linked returns at relatively lower risk can choose from multiple equity, balanced and debt fund options with unlimited free switches5.

Pay

₹7000 p.m. for 15 years

Get

₹20.91 Lakh5’

●ARR

Tax-Saver*

Signature comes with tax* benefits. You can get tax* benefits on premiums paid subject to conditions u/s 80C* and on returns received subject to conditions u/s 10(10D)*

Pay

₹5000 p.m. for 20 years

Get

₹24.31 Lakh6’

●ARR

Regular Investor

Retirement

Child Education

Existing Customer

Equity Investor

Tax-Saver*

What is ICICI Pru Signature Online?

ICICI Pru Signature is an award-winning new-age Unit Linked Insurance Plan (ULIP) that helps you save systematically and build wealth with tax-free market-linked returns while also securing the future of your loved ones with a life cover.

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Financial Protection

Life Cover/ for the entire policy term and an optional Accidental Death & Disability cover, so that your family is financially secured even in your absence.

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Investment Flexibility

Choice of 4 portfolio strategies and 0 funds across equity, balanced and debt to suit your investment needs.

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Unlimited Free Switches5

Switch between the funds as many times as you want, completely free of cost.

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Wealth Boosters2

Get rewarded with wealth boosters at 2% of fund value at end of 10th year and 3.25% of fund value every fifth year from 15th year

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Free withdrawals3

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

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Return of Charges+

No premium allocation charges when buying online. Return of Mortality Charges and policy administration charges at maturity.

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Tax* Benefits

Get tax* benefits on premiums paid subject to conditions u/s 80C* and on returns received subject to conditions u/s 10(10D)*

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Financial Protection

Life Cover/ for the entire policy term and an optional Accidental Death & Disability cover, so that your family is financially secured even in your absence.

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Investment Flexibility

Choice of 4 portfolio strategies and 0 funds across equity, balanced and debt to suit your investment needs.

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Unlimited Free Switches5

Switch between the funds as many times as you want, completely free of cost.

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Wealth Boosters2

Get rewarded with wealth boosters at 2% of fund value at end of 10th year and 3.25% of fund value every fifth year from 15th year

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Free withdrawals3

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

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Return of Charges+

No premium allocation charges when buying online. Return of Mortality Charges and policy administration charges at maturity.

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Tax* Benefits

Get tax* benefits on premiums paid subject to conditions u/s 80C* and on returns received subject to conditions u/s 10(10D)*

What is ICICI Pru Signature Online?

ICICI Pru Signature is an award-winning new-age Unit Linked Insurance Plan (ULIP) that helps you save systematically and build wealth with tax-free market-linked returns while also securing the future of your loved ones with a life cover.

How the Plan Works?

One plan, multiple objectives

Two Minute Overview

ICICI Pru Signature Online is an ideal plan for regular equity investors, first-time investors and those looking to save tax.

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Plan Snapshot

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Life Cover/

Life cover/ for the entire policy term

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Fund Options

0 funds across all fund classes

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Premium Allocation Charges

Nil+

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Min. Investment:

₹2,500 p.m. For Whole Life Option- ₹5,000 p.m

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Wealth Boosters2

2% of fund value at end of 10th year and 3.25% every fifth year from 15th year

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Top-Up Option^

Yes

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Premium Payment Term Options

Limited / Regular Pay

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Lock-in Period

5 Years

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Withdrawals

Unlimited Free Withdrawals3

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Fund Switches

Unlimited free fund switches5

Akash's Wealth Creation Story

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Meet Akash
30 year old
30 year old
He is a 30-year Marketing Professional
Looking for
Savings plan with market-linked returns to help him build wealth

View Story

Funds Performance

Good To Know ~

Average Lifespan after the age of 60 for healthy individuals is 20-25 years. Maintaining a standard of living for 20-25 years is why you should start planning for your retirement early..

Good To Know ~

Medical expenses are at 2x the inflation rate, thus retirement planning is critical from an early age

Good To Know ~

5x Projected increase in the cost of daily items that families need for living over the next 25 years. Thus, leading to greater retirement expenses.

How to maximize your ULIP returns?

We suggest:

Start Investing Early

Pay premiums regularly

Right Asset Allocation

Make fund switches to safeguard your gains

Keep a younger person as the Life Assured

Buy Online in 3 simple steps

Choose premium amount
Select your choice of funds
Fill Application form & Make Payment
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Policy Issued

Need Help? Call us Today

Why Choose Icici Prudential life?

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9.69 Cr

Lives covered as on March 31, 2024T

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₹2.76 Lakh Cr

Benefits paid till March 31, 2024`

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₹2.94 Lakh Cr

Assets under management as on March 31, 202418

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1 Day<

Death Claim Settlement

Frequently Asked Questions

What are the benefits that I get under this plan?

The ICICI Pru Signature online 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-

  1. Tax-free* retirement money- This plan gives you an option to receive yourcompletely tax-free* maturity benefit as a lump-sum or a regular income till 99 years of age starting anytime after policy term is over with the systematic withdrawal option.
  2. Online benefit- This plan has 0% premium allocation charges+ making it a very attractive long-term proposition
  3. Loyalty benefits- Get rewarded with Wealth Boosters<sup>2</sup> at 3.25% of fund value at regular intervals by just staying invested in the plan.
  4. Whole-life option - Enjoy policy benefits such as life cover/, compouding of wealth etc. till the 99 years of age
  5. Flexibility- Choice of 4 portfolio strategies and wide range of funds across equity, balanced, and debt to suit your investment needs
  6. Free Switches5- Switch between the funds as many times for Fixed Portfolio Strategy, completely free of cost.
  7. Tax-benefits- You may receive tax-free* maturity amount under Sec 10(10D) and deduction of premiums paid u/s 80C*
  8. 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
  9. 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

What are the tax benefits under this plan?

In case of death, what benefit does this plan give?

Do I get some extra benefit under this plan?

Can I buy this plan online?

How is my money invested?

How are the returns calculated?

Do I get any pension from this plan?

Who will manage my investment?

At what age can I start and close this plan?

How long do I need to pay the premiums for?

Can I surrender this plan?

What happens if I discontinue paying premiums?

Can I withdraw money from this plan before maturity?

Can I switch my investment from one fund to another before maturity?

Can I cancel this plan after purchase?

How can I check the value of my investment at any time?

What are the charges under 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:
a.Policy administration charge
b.Fund management charge
c.Mortality charge
d.Premium allocation charge
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:
a.Policy administration charge
b.Fund management charge
c.Mortality charge
d.Premium allocation charge
Disclaimer
Rider Disclaimer