ICICI PRUDENTIAL LIFE INSURANCE
ICICI PRU SIGNATURE ONLINE
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IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Wealth Creation

Unit Linked Insurance Plan

Create wealth while enjoying Dual Tax* advantage

Buy online & avail 0% premium allocation charges+
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Advantage of market conditions
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Best ULIP Policy of the Year 20216
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Plans start at just ₹2500 p.m. Invest Now!
Signature ULIP Calculator - Wealth Creation
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By submitting my details, I override my NDNC registration and authorize ICICI Prudential Life and its representatives to contact me through call, WhatsApp or E-mail. I further consent to share my information on confidential basis with third parties for evaluatig and processing this proposal.
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Recommended For

Regular Investor
Regular Investor
Retirement
Retirement
Child Education
Child Education
Existing Customer
Existing Customer
Equity Investor
Equity Investor
Tax-Saver<sup>*</sup>
Tax-Saver*
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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₹24.88 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₹1.16 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₹30.76 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₹23.55 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₹21.49 Lakh5’

ARR
Tax-Saver*
Signature comes with dual tax* benefit. You can save tax* on your premiums paid and your returns are also tax-free* subject to sec 10(10D).
Pay₹5000 p.m. for 20 years
Get₹24.90 Lakh6’

ARR
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What is ICICI Pru Signature Online?

ICICI Pru Signature is an award-winning6 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 up to age 99 years, so that your family is financially secured even in your absence
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Investment Flexibility
Choice of 4 portfolio strategies and 16 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 Boosters2 at regular intervals at 3.25% of your fund value by just staying invested in the plan.
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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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Dual Tax* Benefits
Get tax-free* maturity amount subject to Sec 10(10D) and tax* benefits on premium paid under Sec 80C
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How the plan works?

One plan, multiple objectives
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Child
Two Minute Overview
ICICI Pru Signature Online is an ideal plan for regular equity investors, first-time investors and those looking to save tax.
Two Minute Overview
ICICI Pru Signature Online helps to get tax-free* income for a comfortable retirement.
Two Minute Overview
ICICI Pru Signature Child is an ideal plan for parents who wish to build corpus to ensure that their child can achieve the key milestones in life.
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Plan Snapshot

Charges
Charges
Return of charges+
on maturity
Verified
Fund Options
16 funds across all
fund classes
Premium
Premium Allocation Charges
Nil+
Minimum Investment Graph
Min. Investment:
₹2,500 p.m.

For Whole Life Option- ₹5,000 p.m
Quick Boost
Wealth Boosters2
3.25% of Fund
Value added on
staying invested
Lock Life
Life Cover
Life cover for the entire policy term
Payment Options
Premium Payment Term Options
Limited / Regular Pay
Lock in Period
Lock-in Period
5 Years
Quick Boost Withdraw
Withdrawals
Unlimited Free
Withdrawals3
Fund Switch
Fund Switches
Unlimited free fund switches5

Akash’s Wealth Creation Story

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Meet Akash30 year old
Marketing Professional
Looking for
Savings plan with market-linked returns to help him build wealth
AgeAge
TimelineTimeline
Pays premium of ₹ 5000 p.m. for 20 years
Start MoneyEnd Money
Maturity Benefit
₹24.90LARR @8%
₹16.23LARR @4%
At maturity, he receives fund value with mortality and policy administration charges added back.
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.

Good to Know~

How to maximize your ULIP returns?

1 Investing Early icon
Start Investing Early
2 Pay Premiums icon
Pay premiums regulary
3 Right Asset Steps icon
Right Asset Allocation
4 Fund Switches Lock icon
Make fund switches to safeguard your gains
5 Young Life 2 Person icon
Keep a younger person as the Life Assured

Buy Online in 3 simple steps

Step 1
Choose premium amount
Step 2
Select your choice of funds
Step 3
Fill Application form & Make Payment
Policy Issued

Need Help? Call us Today

Phone
1800-209-9777

Why choose ICICI Prudential Life?

Heart
5.81 Cr
Lives covered as
on March 31, 2022T
Benifits Like
₹2.04 Lakh Cr
Benefits paid till
March 31, 2022`
Diamond Asset Management
₹2.4 Lakh Cr
Assets under
management as on
March 31, 202218
Return
30 Day Return Policy
If not satisfied, return
(free look) the policy
and get your money back

Frequently Asked Questions

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
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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:
  1. Policy administration charge
  2. Fund management charge
  3. Mortality charge
  4. Premium allocation charge
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Myth Busters