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TOP SELLING TAX SAVING INSURANCE PLANS`~
* ICICI PRU SIGNATURE ONLINE
Build wealth with tax-free` market-linked returns with life coverλ`IN ULIPS
THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE INVESTOR
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Save tax up to ₹ 54,600/-``on your life coverλ` & critical illness^` cover
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W/II/1218/2022-23
DISCOVER THE RIGHT INSURANCE PLAN FOR YOUR GOALS
Select a goal that matters to you the most
FAMILY PROTECTION
FAMILY PROTECTION
“Family always comes first”
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EARLY INVESTING
EARLY INVESTING
“Gain more by investing early”
Small investments today can lead to a big corpus which can meet your financial
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PLAN FOR YOUR CHILD’S FUTURE
PLAN FOR YOUR CHILD’S FUTURE
“Plan ahead for your little one”
Providing the best education to your child is every parent’s goal. Choose our
investment plans to ease the financial stress.
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CREATE LONG-TERM WEALTH
CREATE LONG-TERM WEALTH
“Make your money work hard”
Our plans give you unmatched flexibility as well as create long term wealth for
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PLAN FOR A HAPPY RETIREMENT
PLAN FOR A HAPPY RETIREMENT
“Make your second innings count”
Allow us to be your guide in pursuing your dreams and making the retirement
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REDUCE TAX BURDEN
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“Save Tax & Grow your money”
Our plans are here to reduce tax related cuts which not only allow you to save
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COMP/DOC/Jun/2022/286/0673
LIFE INSURANCE, RETIREMENT PLANNING, AND WEALTH CREATION
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ICICI PRU GUARANTEED INCOME FOR TOMORROW
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Pay ₹ 25 Lakh once, Get ₹ 13,331/- p.m. for life++
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Conditions Apply. W/II/1251/2022-23
LIFE INSURANCE
Life insurance is a contract between an insurance policyholder and an insurance
company, where the insurer promises to pay a sum of money in exchange for a
premium after a set period or upon the death of an insured person. Life
insurance offers you and your family financial protection. Some policies also
offer optional add-ons, such as critical illness benefit, accidental death
benefit, and more. The importance of life insurance cannot be ignored in
ensuring the financial safety of your loved ones.
BENEFITS OF BUYING LIFE INSURANCE
WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?
WHO NEEDS LIFE INSURANCE THE MOST?
WHY DO YOU NEED LIFE INSURANCE?
HOW MUCH LIFE INSURANCE COVERAGE DO YOU NEED?
HOW DO YOU FILE A LIFE INSURANCE CLAIM?
HOW CAN YOU CHOOSE THE BEST LIFE INSURANCE PLAN?
WHAT IS A WHOLE LIFE INSURANCE POLICY?
CAN WHOLE LIFE INSURANCE HELP YOU CREATE A LEGACY?
WHY IS IT IMPORTANT FOR WOMEN TO HAVE A LIFE INSURANCE PLAN?
FACTORS THAT AFFECT LIFE INSURANCE PREMIUM
❯ ❯
BENEFITS OF BUYING LIFE INSURANCE
Life insurance provides your family with much needed financial protection, in
your absence. It gives you peace of mind and confidence and helps you save
taxes. There are several benefits of life insurance. Let us take a look at some
of them:
* Financial security: Life insurance products can provide you and your loved
ones with financial security. You can financially secure your family by
choosing a substantial life cover+ so that they can maintain their standard
of living in your absence
* Wealth creation: These life insurance plans help you create wealth over time
and build savings. Life insurance plans can be used to save for your future
needs. They offer options to cover different types of risks and goals
* Disciplined investment: With regular premium payments, life insurance plans
inculcate financial discipline. They offer unique investment opportunities
for every risk type with a wide range of products, such as unit linked life
insurance plans, guaranteed savings insurance plans, endowment plans, and
more
* Retirement planning: Life insurance products like annuity plans, savings
plans, endowment plans, and others help you build a retirement pool. These
plans offer guaranteed income on maturity and help you secure your retirement
with adequate savings
* Tax savings: Life insurance plans offer many tax` benefits to facilitate
better savings. The premiums paid are tax` deductible under Section 80C and
80D of the Income Tax Act, 1961. The maturity benefits also enjoy a tax-free`
status under Section 10(10D) in most cases
WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?
Types of life insurance in India:
* Term life insurance plan: Term insurance plans offer your nominee a fixed sum
assured amount in exchange for regular premiums, in case of an unfortunate
incident during the policy term
* Health insurance plan: Health insurance plans reimburse insured customers for
their medical expenses, including treatments, surgeries, hospitalisation and
the like which arise from injuries/illnesses, or directly pay out a certain
pre-determined sum to the customer
* Unit linked insurance plan (ULIP): A unit-linked insurance plan offers
investment and insurance under the same policy. A part of your premium gets
invested in equity/debt/balanced funds as per your choice and the other part
is used to secure your loved ones with a sum assured
* Endowment plan: An endowment plan allows you to build risk-free savings and
protect the financial interests of your family in your absence
* Annuity plan: An annuity plan is a type of retirement plan that offers you a
regular payment in return for a lump sum investment. In simple words, you pay
the life insurance company a premium in a lump sum and your money is returned
to you as regular income either immediately or after a certain period of
time. The life insurance company invests your money and pays back the returns
generated from it to you as payouts
WHO NEEDS LIFE INSURANCE THE MOST?
Life insurance can be a must-have financial tool for the following people:
* Newly married couples: Life insurance can offer newly married couples peace
of mind and financial security. It can help your spouse live their life
comfortably and meet all financial liabilities.
* Parents with young children: Parents with young children can purchase life
insurance to ensure that their children have a financial cushion to fall back
on if they are not around to take care of them. Life insurance plans can also
help parents save for their kids’ future needs.
* People nearing retirement with fewer savings: Life insurance plans allow you
to save and invest your money. You can opt for low-risk options and secure
your retirement and old age.
* Business owners: Life insurance benefits can help your family carry on your
business in your absence. The payouts can also help them pay off creditors or
clear their debts.
WHY DO YOU NEED LIFE INSURANCE?
* To provide complete financial security to your loved ones: Life insurance
makes sure your loved ones won't suffer financially in your absence. There is
no way to replace a loved one, but planning with life insurance does help in
taking care of the financial needs of the family
* Accomplish your financial goals: Life insurance plans help you achieve your
financial goals be it securing your family from life's uncertainties, saving
for your child's education or buying your dream house. Life insurance plans
inculcate a habit of disciplined saving. Paying a nominal amount as a premium
at a frequency of your choice will help accumulate money over a period of
time. Also, new age insurance plans allow you to withdraw money at key
milestones without any additional charges
* Peace of Mind: In these uncertain times, all anyone wants is a safety net
that not only provides financial security but also helps in building a
sizable corpus over time. A life insurance plan is an instrument that can
provide both. A life insurance plan ensures that the constant stress of
financial planning is reduced considerably thus providing one an absolute
peace of mind
* Save tax: When it comes to tax planning, life insurance plays a vital part in
optimizing your taxable income. You can claim a deduction on your life
insurance premiums under Section 80C` of the Income Tax Act, 1961. Also, the
payouts for death claims are tax-exempted subject to conditions under Section
10(10D)` of the Income Tax Act, 1961
HOW MUCH LIFE INSURANCE COVERAGE DO YOU NEED?
The simplest way to calculate the minimum life cover+ amount for a life
insurance plan is to multiply your current annual income by 10$ if you’re under
55 years of age. For example, if your current annual salary is ₹ 10 lakh, you
should buy a life insurance cover that is worth at least ₹ 1 crore. Another way
to calculate life insurance is by analysing your current and future expenses.
Here are some of the most important factors that you must consider before
choosing a life cover+ amount for life insurance:
* Debt: Financial liabilities like loans can become a burden on your family in
your absence. Take cognizance of your debt and pick a life insurance coverage
that can be used to repay it
* Dependents: Consider the expenses of dependent family members like minor
children and ageing parents. Different circumstances may necessitate
different life insurance coverage needs. So, pick an appropriate amount of
life insurance as per their lifestyle and requirements
* Financial goals: Financial goals like retirement planning, children's higher
education, marriage, medical expenses, and others must also be considered
while selecting the life cover+ amount
* Age: Different stages of life present different financial needs. Hence, keep
the age of your dependents in mind while calculating your life insurance
coverage
HOW DO YOU FILE A LIFE INSURANCE CLAIM?
You can file a life insurance claim in the following steps:
* You can file a life insurance claim online, at a physical branch central
office, or on our central
* ClaimCare helpline through SMS or e-mail
* You can visit the Claims section of the ICICI Prudential Life Insurance
website to submit an online claim
* You can call us at our 24x7 ClaimCare helpline number at 1860 266 7766
* You can e-mail us at claimsupport@iciciprulife.com
Please submit the following information along with the claim:
* Claimant statement form
* Death certificate in case of death claims
* Medical papers, diagnosis reports, and other necessary documents
* Your identity proof, address proof, and a cancelled cheque or copy of your
bank passbook
The team will assess your claim and get back to you if they need any more
information.
HOW CAN YOU CHOOSE THE BEST LIFE INSURANCE PLAN?
Here is a guide to help you select the right life insurance policy that suits
all your needs.
* Identify your life insurance goals: You must plan for your life insurance
goals with the help of a suitable life insurance policy. If safeguarding your
family’s financial security is your primary goal, you can buy a term
insurance plan that offers high coverage at affordable rates.
If you are looking to save for your child's education or thinking of buying a
dream house for yourself, you can consider investing in a unit-linked
insurance plan. You can also buy a retirement plan to ensure regular income
for your everyday expenses post retirement.
* Calculate the right life insurance cover for you: Your life insurance cover
should be at least ten to fifteen times your annual income$. However, there
are several elements that you should consider while estimating the ideal life
insurance amount. For example, if you have loans, then the burden of EMIs may
fall on your family in your absence. In addition to this, you need to ensure
sufficient funds for your children’s higher education or marriage.
* Get a customised quote: You can use online premium calculators to check how
much premium you have to pay for the required amount of life insurance cover.
Compare different plans to find a policy that offers the highest coverage at
rates that fit your budget
* Select the correct policy term: The term of the policy should ideally be the
number of years your family will be financially dependent on you. The general
thumb rule is to choose a policy term till the age of your retirement
* Choose a trustworthy life insurance provider: While you are comparing
insurance plans, apart from the premiums you need to also keep in mind
certain factors that will help you in choosing the right life insurance
provider
One of these is the claim settlement ratio. Claim settlement ratio is the
percentage of claims that an insurance provider settles in a year out of the
total claims. It acts as an indicator of their credibility. As a general
rule, the higher the ratio, the more reliable the insurer is. Look for a life
insurance company whose claim settlement ratio is consistently more than 95%
over the years
You can easily find the Claim Settlement Ratio of different companies on the
official website of the Insurance Regulatory and Development Authority of
India (IRDAI)
* Buy life insurance early: Life insurance premiums for health insurance and
term insurance plans are lower when you are younger. Thus, you can save on
the cost of your premium if you buy your life insurance policy as soon as you
start earning. You can begin with lower coverage and add more riders as your
income increases
* Choose a comprehensive all-in-one plan: Medical emergencies might affect your
income adversely. Hence, it’s necessary to choose a comprehensive life
insurance plan, with appropriate riders for yourself:
Critical Illness rider offers payout if you are diagnosed with any major
illnesses like kidney failure, cancer, or heart attack. This amount can be
useful in meeting treatment costs and protect you against the loss of income
due to such illnesses
Accidental Death Benefit rider provides your loved ones an additional amount
in case of your sudden demise due to an accident
Permanent Disability rider offers a waiver for all your future premiums if
you are permanently disabled due to an accident. Your life cover+ continues
throughout the remaining policy term
Terminal Illness rider gives you access to your life cover+ amount for
dealing with terminal ailments like cancer by providing a full payout before
death. This benefit also covers AIDS
WHAT IS A WHOLE LIFE INSURANCE POLICY?
Whole Life Insurance is a term insurance policy that covers you for 99 years.
They are different from other insurance policies which have a defined term of
say 10, 20 or 30 years.
CAN WHOLE LIFE INSURANCE HELP YOU CREATE A LEGACY?
Yes, whole life insurance can help you leave behind a legacy/inheritance for
your family. This is because whole life policies cover you till the age of 99.
In case of the death of the insured person before this age, the beneficiaries of
the life insurance policy will get the sum assured. Insurance payouts are also
exempt from tax` under Section 10(10D).
WHY IS IT IMPORTANT FOR WOMEN TO HAVE A LIFE INSURANCE PLAN?
According to the Census of India, about 48% of the Indian population is femaleα.
Yet women purchased only 36% of the life insurance policies issued in the
country, in 2019Ω. While there is still a disparity in numbers between the male
and female life insurance policyholders, with an increase in the exposure and
awareness of life insurance among women, there is a slow yet significant change
in this sphere. Therefore, it is essential to understand the importance of
insuring yourself.
Buying life insurance is extremely important for you to protect the financial
future of your loved ones and to save for your life goals systematically.
Moreover, science has proven that women have longer life expectancy than men$$.
This means that you will have to stay financially prepared for a more extended
period. And what better way to do that than with a life insurance plan?
FACTORS THAT AFFECT LIFE INSURANCE PREMIUM
The premium amount for your life insurance plans like health insurance and term
insurance can depend on a number of factors. Some of these have been mentioned
below:
* Age: Age is one of the chief factors that impact the life insurance premium.
As you age, the possibility of the insurer paying the claim also increases.
This is why the life insurance premium rises with age
* Gender: Women tend to live longer than men$$. Hence, they pay the premium for
a longer period. This results in a comparatively lower life insurance premium
* Present health and medical history: You may have to undergo a medical test
before purchasing a life insurance policy so that the insurer can assess your
health status. Having a history of medical issues can increase the premium
for life insurance. Family health history and hereditary diseases can also
impact the life insurance premium
* Lifestyle: Poor lifestyle choices like smoking and drinking alcohol can
increase the risk of certain ailments. This impacts the premium amount for a
life insurance plan
COMP/DOC/May/2022/125/0259
CUSTOMER TESTIMONIALS & REVIEWS
Customer Testimonials & Reviews
*
Karan Gupta
★★★★★
Thanks to ICICI Prudential Life Insurance for solving my queries about the
term plan. I bought a term plan online for the very first time to secure my
family. I had so many queries related to the policy and the customer service
associate helped me clear all my doubts.
*
Nakul Bhangadia
★★★★★
Hassle-free and dependable. If the first few steps of taking insurance are
smooth, it gives confidence that the insurance is in safe hands.
*
Amit Sharma
★★★★★
Easy process. With the help of your executive, it becomes more trustable.
*
Suman Roychoudhury
★★★★★
Term insurance policy issuance is usually time taking with lots of documents
and medicals. Thanks to ICICI Prudential Life Insurance team for proving this
is a myth if you are purchasing term insurance online. Even during the
pandemic, the policy issuance was lightning fast!!
*
Yogesh Jain
★★★★★
My personal experience was very superb, everything was very smooth and
effortless. Happy to be a part of ICICI Prudential Life Insurance.
*
Bhavya Taneja
★★★★★
Fast activation of policy, E-policy document, Timely reminders. Terms and
coverage
*
Karan Gupta
★★★★★
Thanks to ICICI Prudential Life Insurance for solving my queries about the
term plan. I bought a term plan online for the very first time to secure my
family. I had so many queries related to the policy and the customer service
associate helped me clear all my doubts.
*
Nakul Bhangadia
★★★★★
Hassle-free and dependable. If the first few steps of taking insurance are
smooth, it gives confidence that the insurance is in safe hands.
*
Amit Sharma
★★★★★
Easy process. With the help of your executive, it becomes more trustable.
*
Suman Roychoudhury
★★★★★
Term insurance policy issuance is usually time taking with lots of documents
and medicals. Thanks to ICICI Prudential Life Insurance team for proving this
is a myth if you are purchasing term insurance online. Even during the
pandemic, the policy issuance was lightning fast!!
Read all
COMP/DOC/Sep/2020/179/4471
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Steps that can help you maintain a balanced lifestyle and mental harmony
Read ArticleW/II/0685/2019-20
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GET THE HASSLE-FREE EXPERIENCE OF DIGITAL VERIFICATION WITH ICICI PRU
IPROTECT SMART
Buy a life cover!a of `50 Lakh in 3 steps~
Check PremiumW/II/0682/2019-20
*
A NEW WAY OF BUYING A TERM INSURANCE COVER
Get the cover you want at the price you choose
Check PremiumSOM/II/0533/2019-20
*
BONUS DECLARED
The bonus declared on our money-back plans add to your savings and help you
grow your money faster and achieve your dreams
Know More
*
GUIDE TO HEALTHY LIVING FOR INDIAN WOMEN
6 easy steps for a healthier lifestyle
Read MoreW/II/0825/2019-20
EXPLORE OUR INTERACTIVE TOOLS & PREMIUM CALCULATORS TO PLAN FOR YOUR FINANCIAL
GOALS.
Explore our interactive tools & premium calculators to plan for your financial
goals.
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DISCLAIMERS
**Our Life insurance policies COVID-19 life claims are subject to applicable
terms and conditions of the policy contract and extant regulatory framework.
`~Source for Popular, Bestseller, Trending, Most Selling, Top Selling, High
Demand: Company BuyOnline Data-April 2021 till date
`^Source: Company Buy Online Data-December 2015 till date
~^The percentage saving computed is purely in terms of premium paid over the
term (Difference between 5 years Limited and Regular pay) of the policy and does
not account for time & other factors that may happen during this period. It is
one of the many features that the product offers and you can opt for it based on
your individual needs. The percentage saving is for ICICI Pru iProtect Smart -
Life Option for ₹ 1 Crore life cover for a 26-year-old healthy male for a policy
term of 58 years with a lump sum payout option. The annual premium for 5 years
Limited Pay option will be ₹ 85,762/- & the monthly premium will be ₹ 7,324. The
premium amounts are inclusive of taxes.
λLife cover is the death benefit payable on the death of the Life Assured during
the policy term. For ‘Return of Premium’ plan option, Death Benefit will be the
highest of a) Sum Assured on Death b) Basic Sum Assured to be paid on death c)
(Applicable only for limited pay and regular pay) 105% of the total premiums
paid till the date of death. Where Sum Assured on Death is 7 X Annualised
Premium for regular pay and limited pay and 1.25 X Single Premium for single
pay; For ‘Income Benefit’ plan option, Death Benefit will be the highest of a)
Sum Assured on Death b) 105% of the total premiums paid till the date of death
c) Basic Sum Assured to be paid on death, less total Survival Benefit paid till
the date of death. Where, Sum Assured on Death is 10 X Annualised Premium. For
‘Return of Premium with Life-stage cover’ & ‘Early Return of Premium with
Life-stage cover’ plan options, Death Benefit will be the highest of a) Sum
Assured on Death b) 105% of the total premiums paid till the date of death c)
Absolute amount assured to be paid on death where, Sum Assured on Death is 7 X
Annualised Premium.
1† Life-stage cover: In case of Life-stage cover, Absolute amount assured to be
paid on death will be based on the age of the Life Assured as provided below. In
the first policy year, Absolute amount assured to be paid on death will be the
same as Basic Sum Assured as chosen by You at inception. From the second policy
year till the policy anniversary after the Life Assured attains the age of 55,
5% of the Basic Sum Assured gets added on every policy anniversary to the Basic
Sum Assured. This amount cumulatively shall be the Absolute amount assured to be
paid on death. The Absolute amount assured to be paid on death remains constant
till the next policy anniversary. In case the Absolute amount assured to be paid
on death becomes twice the Basic Sum Assured during this period of increment, it
stays constant at that level, till the policy anniversary after the Life Assured
attains age of the 56 years. On the policy anniversary after the Life Assured
attains 56 years of age, the Absolute amount assured to be paid on death shall
revert back to Basic SA. This will continue till the policy anniversary after
the Life Assured attains 60 years of age. On the policy anniversary after the
Life Assured attains 60 years of age, the absolute amount assured to be paid on
death shall be 50% of the Basic Sum Assured and continues at the same level till
end of the policy term.
ICICI Pru iProtect Return of Premium (UIN: 105N186V01), A Non-Linked,
Non-Participating Individual Life insurance Savings product. W/II/4644/2021-22
†Return of Premiums: 'Return of Premium' is available under three of the plan
options namely- “Return of Premium"; “Return of Premium with Life-stage cover"
and “Early return of Premium with Life-stage cover" and refers to 105% of the
total of all premiums received, excluding premiums for optional benefits i.e.
Accidental Death Benefit, Critical Illness Benefit, any extra premium, any rider
premium and taxes, if any. The fourth plan option "Income Benefit" provides
regular monthly income from the policy anniversary after the Life Assured
attains the age of 60 as a survival benefit till the end of the policy term.
$*Critical Illness Benefit: CI Benefit is an additional optional benefit chosen
at inception and is available with ‘Life and health’ and ‘All in One’ benefit
options. The CI Sum Assured is paid as a lump sum upon the Life Assured being
diagnosed on the first occurrence of any of the covered 60 major Critical
Illnesses within CI Benefit term. 25% of the CI Sum Assured or ₹ 500,000/-
whichever is lower is paid as a lump sum upon the Life Assured being diagnosed
on the occurrence of any of the covered 4 minor Critical Illnesses within CI
Benefit term. CI Benefit is available for Single Pay and Limited Pay and is
lower of (15 years, policy term). For regular pay, the CI benefit term will be
lower of (policy term, 40 years) subject to a maximum cover ceasing age of 85
years. CI Benefit can be less than or equal to the Basic Sum Assured chosen by
You at inception for Return of Premium Plan and Income Benefit Plan. CI Benefit
can be less than or equal to 50% of the Basic Sum Assured chosen at inception
for Return of Premium with Life-stage Cover Plan and Early Return of Premium
with Life-stage Cover Plan. CI Benefit is a pure risk benefit and does not have
Survival or Maturity Benefit. Premiums paid corresponding to CI Benefit shall be
excluded from Survival or Maturity Benefit
‘``The above calculations are for a 25-year-old healthy male who has opted for
Regular pay: 40 years premium payment option with a policy term of 40 years
under Return of premium option for ICICI Pru iProtect Return of premium with a
life cover of ₹ 50 lakh with Lump sum payout option. The above premiums are
inclusive of taxes.
^Critical Illness Benefit is optional and available under Life and Health and
All in One options. This benefit is payable, on the first occurrence of any of
the 34 illnesses covered. The CI Benefit is accelerated and not an additional
benefit, which means the policy will continue with the Death Benefit reduced by
the extent of the CI Benefit paid. The future premiums payable under the policy
will reduce proportionately. If CI Benefit paid is equal to the Death Benefit,
the policy will terminate on payment of the CI Benefit. To know more in detail
about the CI Benefit and terms & conditions governing it, kindly refer to the
sales brochure. Critical Illness benefit is available till the age of 75.
##The premium of ₹ 540/- p.m. has been approximately calculated for a
18-year-old healthy male life with an the monthly mode of payment and premiums
paid regularly for the policy term of 36 years with income payout option with a
Life Cover of ₹ 1 crore. Goods and Services Tax and/or applicable Cesses (if
any) as per applicable rates will be charged extra.
^^Available only under Life Plus and All in One option. The maximum amount that
can be availed is `₹ 2 Crore and will be paid as a lump sum.
++A lump sum is paid out on diagnosis of any of the listed conditions. This
payout is based on the level of the condition. In any case, the total payout in
the policy cannot exceed 100% of the Sum Assured of the cover selected. Please
refer to the sales brochure to know about the payouts at different level of
condition
`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 extra as per applicable rates.
Tax laws are subject to amendments from time to time. Please consult your tax
advisor for more details, before acting on the above.
*`Benefits from the 2nd year onwards is available under the Early Income Plan
option.
~Subject to realisation of payment and documents. Policy can be purchased in 3
steps: 1. Generating premium quote 2. Filling basic details and answering health
related questions 3. Premium payment
~*Additional Maturity Benefit is offered for online sales: For the Lump Sum Plan
option, 2.5% of Sum Assured on Maturity is applicable for Limited pay. In the
case of Single Pay in Lump Sum Plan option, 1% of Sum Assured on Maturity is
applicable. For the Income Plan option, 2.5% of Guaranteed Income is applicable.
For the Early Income Plan option, 3.5% of Guaranteed Income is applicable. For
the Single Pay Income Plan option, 1% of Guaranteed Early Income is applicable
!’The yearly online premium of ₹960 (less than ₹99 per month) is for a
22-year-old healthy non-smoker male who has bought ICICI Pru Heart / Cancer
Protect, with cancer cover of ₹20 lakh, paying premiums regularly for 13 years,
inclusive of tax.
+The policyholder can have funds in only one of the Portfolio Strategies.
#Excluding taxes and Top-up Premium Allocation Charges.
UIN details: ICICI Pru iProtect Smart - 105N151V07. ICICI Pru Signature -
105L177V04. ICICI Pru Guaranteed Pension Plan - 105N181V02. ICICI Pru Guaranteed
Income For Tomorrow - 105N182V06. ICICI Pru Guaranteed Pension Plan Flexi -
105N187V04. ICICI Pru Saral Pension Plan - 105N184V05. ICICI Pru Guaranteed
Wealth Protector - 105L143V02
ICICI Pru Heart/Cancer Protect: UIN 105N154V03. COMP/DOC/Jan/2022/101/7213
1The company will allocate extra units to your ULIP policy provided all due
premiums have been paid. To know more in detail, kindly refer to the sales
brochure of the respective products.
2The premium for a 22-year-old healthy male for a life cover of ₹ 1 crore for
the ICICI Pru iProtect Smart – Life Option under the regular income payout
option for a policy term of 19 years is ₹ 6,875/- p.a (inclusive of all taxes)
3Refer to the product brochures for the definitions, exclusions and other terms
and conditions applicable for Permanent Disability due to an accident and
Terminal Illness.
424*7 buying assistance is available through our digital assistant Ligo.
65% discount on premium is applicable only for Regular and Limited pay policies.
In case of Single Pay, the discount applicable is 2% of Single Premium.
7Only a doctor’s certificate confirming the diagnosis needs to be submitted. The
benefit is payable only on the fulfilment of the definition of the diagnosed
critical illness.
8As per currently applicable tax laws, tax benefit of ₹ 54,600/- ( ₹ 46,800/-
under Section 80C and ₹ 7,800/- under Section 80D) is calculated at the highest
tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance
premium under Sections 80C of ₹ 1,50,000/- and health premium under Section 80D
of ₹ 25,000/-. Tax benefits under the policy are subject to conditions under
Sections 80C, 80D, 80CCC, 10(10A), (10D) and other provisions of the Income Tax
Act, 1961. Goods and Services Tax and Cesses, 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 the
above.
~#Your annuity/income is informed to you when you buy the plan and is guaranteed
and unchanged for life.
9This option is available only with Joint Life. Joint life can be either the
spouse, children, parents or siblings.
//Tax benefits under the policy are subject to conditions under Sections 80C,
80CCC, 115BAC and other provisions of the Income Tax Act, 1961. Goods and
Service Tax and Cesses, if any, will be charged extra as per prevailing rates.
The tax-free return is subject to conditions specified under Section 10(10D) and
other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to
amendments made thereto from time to time. Please consult your tax advisor for
details, before acting on the above.
"Guaranteed Additions (GAs) rate will be 9% for a policy term of 10 years and
10% for a policy term of 15 years. GAs will be added to the policy at the end of
every policy year if all due premiums have been paid. Each GA will be calculated
as GA rate multiplied by the total premiums paid till date (excluding extra
mortality premiums, Goods & Services Tax and Cess (if any)).
`*Wealth 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 the 10th policy year till the end of your
policy term.
^*Systematic Withdrawal Plan is allowed only after the first five policy years.
-Guaranteed Maturity Benefit (GMB): Your GMB will be set at policy inception and
will depend on the policy term, premium, premium payment term, age and gender.
~~Guaranteed benefits in the form of lump sum will be payable under the Lump Sum
Plan option. Guaranteed benefits in the form of regular income will be payable
under the Income Plan option and Early Income Plan option.
``Tax benefits of ₹ 54,600/- (₹ 46,800/- under Section 80C & ₹ 7,800/- under
Section 80D) is calculated at the highest tax slab rate of 31.20%(including cess
excluding surcharge) on life insurance premium under Section 80C of ₹ 1,50,000/-
and health premium under Section 80D of ₹ 25,000/-. Tax benefits under the
policy are subject to conditions under Sections 80C, 80D, 10(10D), 115BAC and
other provisions of the Income Tax Act, 1961. Goods and Service Tax and Cesses,
if any, will be charged extra as per prevailing rates. The tax-free return is
subject to conditions specified under Section 10(10D) and other applicable
provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made
thereto from time to time. Please consult your tax advisor for details, before
acting on the above.
$How much life insurance do you really need? -
https://economictimes.indiatimes.com/wealth/insure/how-much-life-insurance-do-you-really-need/articleshow/22065416.cms?from=mdr
$$Why men often die earlier than women -
https://www.health.harvard.edu/blog/why-men-often-die-earlier-than-women-201602199137
ΘGuaranteed benefits are payable subject to all due premiums being paid and the
policy being in force on the date of maturity.
°The total amount is calculated for a 30-year-old healthy male with a premium
paying term of 10 years paying premiums in monthly mode and income period of 30
years taking income in annual instalments under the Income Plan 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 the entire policy term opted. The total benefit of ₹
1,01,77,830 is calculated by taking the sum of all guaranteed incomes payable
over the entire income duration. COMP/DOC/Dec/2021/3012/7166
ΘGuaranteed benefits are payable subject to all due premiums being paid and the
policy being in force on the date of maturity.
ↃGuaranteed Maturity Benefit (GMB) will be set at policy inception and will
depend on the policy term, premium, premium payment term, Sum Assured and
gender. Your GMB may be lower than your Sum Assured. GMB is the Sum Assured on
maturity.
£Bonuses consist of vested reversionary bonuses, interim bonus and terminal
bonus, if any. Reversionary bonuses may be declared every financial year and
will accrue to the policy if it is premium paying or fully paid. Reversionary
bonuses will be allocated through the compounding bonus method. All reversionary
bonuses will be declared as a proportion of the sum of the GMB and the vested
reversionary bonuses. Reversionary bonus once declared is guaranteed and will be
paid out at maturity or on earlier death. A contingent reversionary bonus may be
declared every financial year and will accrue only to a policy if it becomes
paid-up. Contingent reversionary bonus will be a part of the paid up benefit and
will be paid on maturity or earlier death. A terminal bonus may also be payable
at maturity or on earlier death.
ŦGuaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the
first five policy years if all due premiums are paid. GAs accrue on payment of
due premium.
±Tax benefit of ₹ 46,800/- is calculated at the highest tax slab rate of 31.2%
(including Cess excluding surcharge) on life insurance premium under Section 80C
of ₹ 1,50,000/-. Tax benefits under the policy are subject to conditions under
Sections 80C, 80D, 10(10D), 115BAC and other provisions of the Income Tax Act,
1961. Goods and Services Tax and Cesses, 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 the above.
+Life Cover is the benefit payable on the death of the life assured during the
policy term.
≠ΘGuaranteed benefits are payable subject to all due premiums being paid and the
policy being in force on the date of maturity.
∞Tax benefits of ₹ 46,800/- under Section 80C is calculated at the highest tax
slab rate of 31.20% (including cess excluding surcharge) on life insurance
premium under Section 80C of ₹ 1,50,000/-. Tax benefits under the policy are
subject to conditions under Sections 80C, 80D, 10(10D), 115BAC and other
provisions of the Income Tax Act, 1961. Goods and Service Tax and Cesses, if
any, will be charged extra as per prevailing rates. The Tax Free income is
subject to conditions specified under Section 10(10D) and other applicable
provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made
thereto from time to time. Please consult your tax advisor for details, before
acting on the above.
ꓘICICI Pru Guaranteed Income For Tomorrow (Long-term) offers 4 options in income
period namely 15, 20, 25 and 30 years. The customer can choose any plan option
from the four available options. Please refer to the brochure for more details.
ꞂICICI Pru Guaranteed Income For Tomorrow (Long-term) offers two plan options
namely, 'Income' and ‘Income with 110% ROP’. The customer can choose any plan
option from the two available options. Please refer to the brochure for more
details.
+Life Cover is the benefit payable on the death of the life assured during the
policy term.
!As per Internal Data of policies sold for all products from
April’21-December’21 in the BOL Channel.
ICICI Pru Savings Suraksha: UIN 105N135V02. ADVT: W/II/4911/2021-22
ICICI Pru Guaranteed Income for Tomorrow (Long-term): UIN:105N185V07. ADVT:
W/II/5060/2021-22
*Claim statistics are for FY2020 and is computed on the basis of individual
claims settled over total individual claims for the financial year. For details,
refer to the Public Disclosures on our Website. W/II/3484/2018-19.
λ`Life cover: Life Cover is the benefit payable on the death of the life assured
during the policy term
^`Critical illness: Accelerated Critical Illness Benefit (ACI Benefit) is
optional and available under Life & Health and All in One option. This benefit
is payable, on the first occurrence of any of the 34 illnesses covered. Medical
documents confirming the diagnosis of critical illness need to be submitted. The
benefit is payable only on the fulfilment of the definition of the diagnosed
critical illness. The ACI Benefit is accelerated and not an additional benefit,
which means the policy will continue with the Death Benefit reduced by the
extent of the ACI Benefit paid. The future premiums payable under the policy
will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit,
the policy will terminate on payment of the ACI Benefit. To know more in detail
about the ACI Benefit and terms & conditions governing it, kindly refer to the
sales brochure. ACI Benefit term would be equal to the policy term or 30 years
or (75-Age at entry), whichever is lower.
&The premium of ₹ 700 p.m. has been approximately calculated for protection
plans and will vary case to case depending on different payment and policy term
chosen. Goods and Services tax and/or applicable cesses (if any) as per
applicable rates will be charged extra.
@Life cover, Critical illness cover, Accidental death cover, Return of premiums'
features are available across various protection plans available with ICICI
Prudential Life Insurance.
Life cover is the benefit payable on death of the Life Assured during the policy
term.
1#Life cover is the benefit payable on death of the life assured during the
policy term.
2#Accelerated Critical illness benefit (ACI benefit) is optional and available
under Life & Health and All in One options. This benefit is payable, on first
occurrence of any of the 34 illnesses covered. Medical documents confirming
diagnosis of critical illness needs to be submitted. The benefit is payable only
on the fulfillment of the definition of the diagnosed critical illness. The ACI
benefit, is accelerated and not an additional benefit which means the policy
will continue with the Death benefit reduced by the extent of the ACI benefit
paid. The future premiums payable under the policy will reduce proportionately.
If ACI benefit paid is equal to the Death benefit, the policy will terminate on
payment of the ACI benefit. To know more in detail about ACI benefit, terms &
conditions governing it, kindly refer to sales brochure. ACI benefit term would
be equal to policy term or 30 years or (75-Age at entry), whichever is lower
ICICI Pru Gold
1 In plan option ‘Immediate income’ and ‘Immediate income with Booster’,
starting from the first policy year, you will receive a regular income at the
end of every policy year/month, as chosen by you, provided the policy is
in-force.
In ‘deferred Income’ plan option, you will receive regular income at the end of
every year/month, starting from end of deferment period as chosen by you,
provided the policy is in-force. You can start this income as early as 2nd
policy year or as late as Premium Payment Term plus 1 year
Guaranteed Income (GI) and Income which will be linked to Bonus, if declared;
referred to as Cash Bonus (CB)
2 For all plan options, Maturity Benefit will be sum of:
Sum Assured on Maturity, plusBalance in the Savings Wallet (if any),
plusTerminal Bonus (if declared)
3 ICICI Pru Gold offers three plan options namely ‘Immediate Income’ and
‘Immediate Income with booster’ and ‘Deferred Income’. The customer can choose
any one of the three available options. Please refer to sales brochure for more
details
4 Life cover is the benefit payable on death of the life assured during the
policy term. For all plan options, Death Benefit is equal to:
Sum Assured on Death, plus Balance in the Savings Wallet (if any), plus Interim
Survival Benefit (if any), plus Terminal Bonus (if declared)
Where, the Sum Assured on Death is the highest of:
7 times the Annualized Premium 105% of the Total Premiums Paid as on the Date of
Death Death Benefit multiple times Annualized Premium
5 Tax benefits under the policy are subject to prevailing conditions and
provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, 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. ICICI Pru Gold A Non-Linked Participating
Individual Life Insurance Savings plan. UIN 105N190V01
ICICI Pru Gold UIN: 105N190V01 A Non-Linked, Participating Individual Life
Insurance Savings plan. W/II/1749/2022-23
Two policies of ICICI Pru iProtect Smart. UIN: 105N151V06
ADVT: W/II/1549/2022-23
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© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with
Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance
Company. Regn. No. 105. CIN: L66010MH2000PLC127837.
Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai
400025. Tel.: 40391600. Customer helpline number - 1860 266 7766. Timings –
10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member
of the Life Insurance Council. For more details on the risk factors, term and
conditions please read the product brochure carefully before concluding the
sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP
services Ltd and used by ICICI Prudential Life Insurance Company Ltd under
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