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* TERM INSURANCE
* ICICI Pru iProtect Smart (Bestseller)
* Affordable High Life Cover2a to protect your family
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* Optional 34 Critical Illnesses## rider of up to ₹ 1 crore
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* Term Insurance with Returns
* ICICI Pru iProtect Smart – Smart Exit Option(Optional Return)
* Affordable High Life Cover2a to protect your family
* Flexibility to exit earlyō and get back total premiums paidS1
* Optional 34 Critical Illnesses## rider of up to ₹ 1 crore
* Optional Accidental Death Benefit9 rider of up to ₹ 2 crore
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* ICICI Pru Protect N Gain (New)(Market Linked Return)
* Life cover1 up to 100x of Annual Premium7
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* Additional protection with Accidental Death5 rider and Accidental
Permanent Disability5 rider
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* Take control of your investments with unlimited free fund switches6
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* ICICI Pru Signature (Popular)
* Financial protection for your loved ones with life cover
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* Withdraw money regularly from your policy with SWP3
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For offline Signature refer to Offline Signature Brochure
* ICICI Pru Protect N Gain (New)
* Life cover1 to protect your loved ones
* Grow your wealth through market linked returns
* Return of Mortality and premium allocation charges2
* Maturity booster3 at policy maturity to boost your fund value
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* ICICI Pru Guaranteed Wealth ProtectorCapital Guarantee
Premium starts at 4000/- p.m.
* Risk-free investment: 101% Money back guarantee
* Life cover to protect your loved ones
* Get Loyalty Additions & Wealth Boosters by staying invested
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* ICICI Pru1 Wealth
* Invest only once and enjoy benefits for entire policy term
* 100% amount invested in wide range of funds
* Choice of multiple funds
* Life cover to protect your loved ones
* Tax benefits up to ` 46,800 u/s 80(C) and 10(10D)
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* ICICI Pru LifeTime Classic
Premium starts at `2500/- p.m.
* Invest in your choice of equity, debt or balanced funds
* Choice of 4 portfolio strategies
* Life cover to protect your loved ones
* Get rewarded with Loyalty Additions & Wealth Boosters
* Tax benefits up to `46,800 u/s 80C and 10(10D)
BUY ONLINE meet advisor
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* ICICI Pru Smart Life
Premium starts at 45,000 /- p.a.
* Complete protection plan to secure your child’s future
* Invest in your choice of equity, debt or balanced funds
* Get Loyalty Additions & Wealth Boosters by staying invested
buy online meet advisor
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* Guaranteed Return Plans
* ICICI Pru GIFT Pro(New)
* Guaranteed Income2 to help you achieve your financial goals
* Flexibility to choose Percentage of MoneyBack Benefit4 and when you
want to receive MoneyBack Benefit4
* Life Insurance Cover1 for financial security of your family
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2Conditions apply
* ICICI Pru Assured Savings Insurance Plan
* Grow wealth with Guaranteed Maturity Benefit~
* Get Guaranteed Additions @9%-10% every year^
* Secure your loved ones with Guaranteed Life Cover
* Tax4 benefits may be applicable on premiums paid and benefits
received as per the prevailing tax laws
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* Leaflet
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* Child Plans
* SmartKid with ICICI Pru Smart Life
* Plan for child of any age
* Take out moneyⴕ anytime and fulfill crucial requirements of your
child
* Fully safeguard` your child's future in case of parents’ sudden
demise
* Decrease policy duration anytime as per changing needs of the child
* Tax benefits* under Section 10(10D) and 80C
check premium meet advisor
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* RETIREMENT AND PENSION PLANS
* ICICI Pru Saral Pension PlanSingle Premium Immediate Income
* Pay just once and get a guaranteed lifelong income
* Continue pension for spouse after you with the Joint Life1 option
* Purchase Price is returned back to your nominee2
* Option to avail a loan against your policy3
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* ICICI Pru Guaranteed Pension Plan FlexiRegular Premium Future Income
* A regular-pay deferred annuity plan that helps you gradually build
the retirement savings and provide guaranteed income for life
* Flexible premium paying terms and deferment periods
* Meet your healthcare and lifestyle needs through additional payout
options1
* Financial security for your family even in your absence, with the
Waiver of Premium feature3
* Annuity plan can cover either single or joint life2
* Tax benefits as per prevailing tax laws
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* Brochure
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* ICICI Pru Guaranteed Pension PlanSingle Premium Future Income
* Single premium plan to get guaranteed income for life with the
option to defer income by upto 10 years
* Lock in the current interest rates for the annuity to be received
later
* Annuity plan can cover either single or joint life*
* Flexible payout options to suit your need2
* Tax benefits# on premium paid u/s 80CCC of Income Tax Act, 1961
BUY ONLINE Meet Advisor
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* ICICI Pru Guaranteed Pension Plan
* Single premium plan to get guaranteed income immediately for the
rest of your life
* Annuity plan can cover either single or joint life*
* Flexible payout options to suit your need2
* Tax benefits# on premium paid u/s 80CCC of Income Tax Act, 1961
* Purchase annuities from your savings or accumulated NPS corpus
BUY ONLINE Meet Advisor
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* SAVINGS/ ENDOWMENT PLANS
* ICICI Pru Gold (New)
* Regular income1 up to 99 years of age followed by a lump sum2 on
maturity
* Option to start receiving income immediately from the end of 1st
policy year/month or defer3 it for a few years as per your need
* Protection through life cover4 till up to 99 years of age
* Tax benefits5 may be applicable on premiums paid and benefits
received as per prevailing tax laws
Buy Online meet advisor
* Brochure
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* ICICI Pru Sukh Samruddhi (New)
* Choice to avail benefits as either Income or Lump sum
* Life cover1 for financial protection of your loved ones
* Option to receive income on any date of your choice with ‘Save the
Date’2
* Option to accumulate income and withdraw it later as per your
convenience with ‘Savings Wallet’3
* Tax benefits4 may be applicable on premiums paid and benefits
received as per prevailing tax laws
Buy Online meet advisor
* Brochure
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* ICICI Pru Future Perfect
Premium starts at 700 /- p.m.
* Savings with the comfort of guarantee
* Flexibility in premium payment term
* Security of your loved ones with potential for wealth creation and
your Life Cover
BUY ONLINE meet advisor
* Brochure
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* ICICI Pru Savings Suraksha
* Life cover1 to protect your loved ones
* Guaranteed* Maturity Benefit2 and Guaranteed* Additions3
* Get Reversionary and Terminal Bonus4, if declared
* Tax5 benefits may be applicable to premiums paid and benefits
received as per the prevailing tax laws
Know More meet advisor
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*Conditions apply
* HEALTH INSURANCE
* ICICI Pru Heart / Cancer Protect
* Get claim amount on diagnosis
* Get treated at the hospital of your choice
* Waiver of future premiums for Minor conditions of Cancer or Heart
for full policy term
* Tax benefit under Section 80D
check premium meet advisor
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* iShield (New)
* Life cover1 till the age of 85 years
* Waiver of future premiums2 in case of permanent disability due to an
accident
* Cashless hospitalisation3 at any of our network providers/hospitals
* Pre and post hospitalisation4 medical expenses covered
* Day care5 treatment: covers expenses for hospitalisation where 24
hours of hospitalisation isn’t required
* Tax benefits6 may be applicable on premiums paid and benefits
received as per prevailing tax laws
Brochure meet advisor
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This section helps you understand the amount of money that you could
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I want to
Calculate Term Insurance Premium Become a crorepati Build wealth for my child
Get tax-free market linked returns Get a money back Term Plan Get guaranteed
pension for life Get a Health Plan Create a second income source Save Tax
Calculate Term Insurance Premium
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Build wealth for my child
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Newly Launched GuaranteedΘ
Return Plan5.2XⱵ Tax-free* returns
Term
Life Cover COVID-19 life claims
New Term Plans
with ReturnMultiple Options
Cancer
InsuranceLess than ₹99 p.m.!'
Top Selling`^ Wealth
MaximiserULIP with 19 funds
Trending`~ Child
Plan Premium waiver benefit
Retirement/ Pension PlansLifelong Income
Immediate
Income PlanPeriodic Bonus6
High Cover
ULIP Upto 100x Life Cover
More Plans
Θ!’†Ꞃ`^ō`~ Conditions Apply. COMP/DOC/Dec/2023/1212/4921
Give us a call X
For buying a policy online (toll free)1800 267 9777
Call centre hours 9.00 a.m. – 9.00 p.m., all days
To check status of policy bought online 1800 210 0045
Call charges apply. Timings – 10:00 A.M. to 7:00 P.M.,
Monday to Saturday (except national holidays)
Give us a call X
For buying a policy online (toll free)1800 209 9777
Call centre hours 9.00 a.m. – 9.00 p.m., all days
To check status of policy bought online 1800 210 0045
Call charges apply. Timings – 10:00 A.M. to 7:00 P.M.,
Monday to Saturday (except national holidays)
Give us a call X
For buying a policy online (toll free)+91-2262955609
Call centre hours 9.00 a.m. – 9.00 p.m., all days
To check status of policy bought online 1800 210 0045
Call charges apply. Timings – 10:00 A.M. to 7:00 P.M.,
Monday to Saturday (except national holidays)
×
DISCOVER THE RIGHT INSURANCE PLAN FOR YOUR GOALS
Select a goal that matters to you the most
Smart Exitō Option
FAMILY PROTECTION
FAMILY PROTECTION
“Family always comes first”
Let us be your guide in providing your family with complete financial security
Find out more X
EARLY INVESTING
EARLY INVESTING
“Gain more by investing early”
Small investments today can lead to a big corpus which can meet your financial
goals.
Find out more X
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.
Find out more X
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
you and your loved ones.
Find out more X
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
milestone worth celebrating.
Find out more X
REDUCE TAX BURDEN
REDUCE TAX BURDEN
“Save Tax & Grow your money”
Our plans are here to reduce tax related cuts which not only allow you to save
more but also give you more security.
Find out more X
COMP/DOC/Jun/2022/286/0673
LIFE INSURANCE, RETIREMENT PLANNING, AND WEALTH CREATION
All in one place.
* TERM INSURANCE
ICICI PRU IPROTECT SMART
Key Features
Check Premium
* Life cover!a to secure your family
* Critical Illness## cover option
* Lump sum or regular income to your loved ones in your absence
* LOW COST ##
* TAX BENEFIT`
Start with just ₹ 460/- per month2a
(under Life Option)
Smart Exitō Option
W/II/0842/2023-24
* SAVINGS PLAN
ICICI PRU GIFT PRO
Key Features
CHECK RETURNS
* 100% Guaranteed^, tax-free* income for both short-term and long-term needs
* Option¶ to get constant or increasing guaranteed^ income
* Flexibility to choose percentage of MoneyBack1 benefit and when you want
to get MoneyBack1 benefit
* TAX BENEFIT``
* LIFE COVER
Pay ₹ 1 Lakh p.a. for 10 years and Get ₹51.78 Lakh4 in total as income
^Conditions apply
* TERM INSURANCE
ICICI PRU IPROTECT RETURN OF PREMIUM
Key Features
Check Premium
* 105% Return of total premiums3 paid
* Life stage cover2 benefit (optional)
* 64 Critical illnesses4 cover (optional)
* TAX BENEFIT`
Start with just ₹ 1,066/- per month
(under level cover option) ‘``
* ULIP PLAN
ICICI PRU SIGNATURE ONLINE
IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE
POLICYHOLDER
Key Features
CHECK RETURNS
* Tax-free` market-linked returns
* Extra wealth boosters`* @ 3.25%
* Easy withdrawals at no cost^*
* TAX BENEFIT`
* LIFE COVER
Start with just ₹ 2,500/- per month
* RETIREMENT PLAN
ICICI PRU SARAL PENSION PLAN
Key Features
CALCULATE PENSION
* Guranteed~ lifelong income
* Competitive rates
* 100% Return of Purchase Price
* 1% extra income on buying online
Pay ₹ 25 Lakh once, Get ₹ 13,331/- p.m. for life++
~# Conditions Apply
* RETIREMENT PLAN
ICICI PRU GUARANTEED PENSION PLAN FLEXI
Key Features
CALCULATE PENSION
* Guranteed~ lifelong income
* Easy systematic investment
* Financial security with waiver of premiums3 option
* Tax-benefit *
* Death-benefit1
Easy investment of ₹ 5000/- p.m.
~# Conditions Apply
* CHILD PLAN
SMARTKID WITH ICICI PRU SMART LIFE
Key Features
CHECK RETURNS
* Grow your money with market investment
* Premium waiver to secure child’s future
* Free of cost money withdrawal
* TAX BENEFITS
* LIFE COVER*
Start with just ₹ 3,750/- per month
*Conditions Apply
Conditions Apply. W/II/1251/2022-23
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
Save Now
* ICICI PRU GIFT PRO
100% Guaranteed^, Tax-free* returns for your non-compromisable goals with
money back benefits and life cover as per your choice
Save Now
* Smart Exitō Option
ICICI PRU IPROTECT SMART
Save tax up to ₹ 54,600/-^on your life cover!a & critical illness## cover
premiums annually
Save Now
W/II/1218/2022-23
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 after a set period or
upon the death of an insured person, in exchange for a premium. Life insurance
offers you and your family financial protection. Some policies also offer
optional add-ons, such as critical illness benefit, and accidental death
benefit, along with a Smart Exit Optionō. The importance of life insurance
cannot be ignored in ensuring the financial safety of your loved ones.
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 provides financial security to your family in case of an
unfortunate event. This ensures that your family can continue to maintain their
lifestyle and achieve their financial goals without any compromises. The death
benefit can cover various expenses such as loan repayments, children's
education, and routine living expenses, ensuring your family's financial
security in your absence.
WEALTH CREATION
Some life insurance plans, such as Unit Linked Insurance Plans (ULIPs), offer
the opportunity for wealth creation along with a life cover. These plans allow
you to invest the premium in different securities like equity, debt, or balanced
funds and earn inflation-beating returns. For example, ICICI Pru Signature is a
ULIP that offers a yield of ₹ 65.39 Lakh at 4% or ₹ 1 crore at 8% for a
30-year-old male investing ₹ 20,000 per month for 20 years.
(IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE
POLICYHOLDER)
TAX* SAVINGS
Life insurance policies provide tax* benefits that help you maximise your
returns and build savings. The premiums paid under the policy are eligible for
deduction subject to conditions prescribed under Section 80C of the Income Tax
Act, 1961, up to ₹ 1.5 lakhs per annum. Additionally, the proceeds received
under the policy are exempt subject to conditions under Section 10(10D) of The
Income Tax Act, 1961.
This makes life insurance an attractive investment option if you are looking to
save on taxes while securing your financial future.
BUY YOUNG, SAVE MORE
Life insurance policies offer lower premium rates when bought at a young age.
The older you are, the higher the premium. Additionally, buying life insurance
at a young age offers financial coverage for a longer period, thus providing
greater financial security to your family. Therefore, it is recommended not to
delay purchasing it.
RETIREMENT PLANNING
Some life insurance plans, like guaranteed income plans, and others offer fixed
monthly income or lump sum payouts for retirement. These plans provide a source
of regular income during your non-working years and can help you live a
comfortable life without any financial constraints. In order to choose the best
plan to match your retirement needs, you can take advantage of life insurance
calculators which are an effective tool to know how much you should invest and
for how long to achieve the retirement of your dreams.
DEATH BENEFIT
If the policyholder passes away during the policy term and the premium is paid
in full, the nominee receives a sum assured. This amount can be received as a
lump sum or as regular income. The death benefit ensures the family is
financially secure and can be used for various expenses, including utility
bills, loans and credit card debt, children's education, and more.
CHILDREN'S FUTURE PLANNING
Life insurance plans can be a viable tool to fulfil your child's dreams. These
plans provide lump sum payouts or a regular income to fund your child's
education and help them achieve their goals without compromises. Moreover, the
insurance benefits protect your child financially in the case of an unfortunate
event. Life insurance calculators can offer accurate quotes to help you plan for
your child's future, including their higher education and wedding expenses.
LONG-TERM BENEFITS AND FINANCIAL INDEPENDENCE
Life insurance plans offer you and your loved ones long-term benefits and
financial security. The sum assured provides a lump sum payout to your family in
the case of any unfortunate event during the policy term. Life insurance
provides financial independence by ensuring that your family remains financially
secure. Additionally, some life insurance plans like ULIPs, endowment plans, and
others also offer the opportunity for wealth creation, tax savings, and
long-term savings.
CUSTOMER TESTIMONIALS & REVIEWS
Customer Testimonials & Reviews
*
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.
Read all
COMP/DOC/Sep/2020/179/4471
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Read ArticleW/II/0685/2019-20
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FREQUENTLY ASKED QUESTIONS
Life Insurance
WHOLE LIFE INSURANCE
LIFE INSURANCE SUM ASSURED
LIFE INSURANCE CLAIM
LIFE INSURANCE DOCUMENT
LIFE INSURANCE FOR WOMEN
LIFE INSURANCE PREMIUM
LIFE INSURANCE TAX* RELATED
LIFE INSURANCE PAYOUT
TERM INSURANCE
WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?
Types of life insurance in India:
* Term life insurance plan: Term insurance plans offer your loved ones 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 policyholders 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. Simply put, you pay the
life insurance company a premium in a lump sum and your money is returned to
you as regular income 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 in your absence
* Parents with young children: Parents with young children can purchase life
insurance to ensure their children have a financial cushion to fall back on
if they are not around. 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 continue your
business in your absence. The payouts can also help them pay off creditors or
clear their debts
WHY DO YOU NEED LIFE INSURANCE?
* Financial security for your loved ones and peace of mind: Life insurance
ensures your loved ones are protected financially in your absence. There is
no way to replace a loved one, but life insurance helps provide a safety net
that gives financial security and helps build a sizable corpus over time. A
life insurance plan ensures that the constant stress of financial planning is
reduced considerably, thus providing absolute peace of mind
* 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
can help you accumulate money over time by paying a nominal amount as a
premium at a frequency of your choice. Some new-age insurance plans also
allow you to withdraw money at key milestones without additional charges
* Save tax*: The premiums paid under the life insurance policy is eligible for
deduction subject to conditions prescribed under Section 80C of the Income
Tax Act, 1961, up to ₹ 1.5 lakhs per annum. Additionally, the proceeds
received under the policy are exempt 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 are under
55 years of age. For example, if your current annual salary is ₹ 10 lakh, you
should buy a life insurance cover 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 burden your family in your
absence. Take cognisance 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 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. Term insurance plans
offer high coverage at affordable rates and help safeguard your family's
financial security. A Unit Linked Insurance Plan (ULIP) can help you when it
comes to your child’s education or buying that dream house. You can also buy
a retirement plan to ensure regular income for your everyday expenses post
retirement
* Right life insurance cover, policy premium and policy term: Your life
insurance cover should be at least ten to fifteen times your annual income$.
You must consider other factors such as any loans, your child's higher
education, marriage, ageing parents, and more. This will help when you narrow
down on estimating the ideal life insurance cover.
Your premiums must be within your budget to ensure that your policy remains
in force throughout its duration. Compare different plans to find a policy
that offers the highest coverage at rates that fit your budget.
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: The reputation of an insurance
company, the number of years it has been active, the Claim settlement ratio,
and the solvency ratio are a few factors you need to keep in mind.
Claim settlement ratio is the percentage of claims that an insurance provider
settles in a year out of the total claims. The solvency ratio is the ability
of the company to pay its liabilities. These act as an indicator of their
credibility. Generally, the higher the ratio, the more reliable the insurer
is
* Buy life insurance early: Insurance premiums for health insurance and term
insurance plans are lower when you are younger. So, it is suggested that you
buy a 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, choosing a comprehensive life insurance plan, with
appropriate riders available in the market is advisable. Riders that various
insurers usually offer include Critical Illness rider, Accidental Death
Benefit, Permanent Disability rider and Terminal Illness rider among others
WHEN TO GET LIFE INSURANCE?
While you can buy life insurance at varying stages of your life, getting it as
soon as possible is recommended. Buying life insurance at a young age can help
you get a lower premium that can aid in savings over time. Delaying the purchase
of life insurance can result in higher premiums due to increased risk of health
concerns. Ideally, buying life insurance in your 20s is recommended to get the
best life insurance premium and a longer financial cover.
WHAT FACTORS SHAPE MY LIFE INSURANCE COST?
The premium you pay for your life insurance can depend on a number of factors,
such as your age, health, gender, lifestyle habits such as smoking or drinking,
occupation, and other similar things. The cost is determined based on the risk
associated with each of these factors. For instance, advanced age and health
conditions can result in higher premiums, while individuals with healthy
lifestyles and no history of illnesses may get lower premiums. Even though these
factors affect your insurance cost, you must always disclose honest and relevant
information to the insurance company.
WHAT DOES LIFE INSURANCE EXCLUDE?
All life insurance plans are different, and it is recommended to go through the
policy document carefully. Having said that, life insurance typically excludes
death caused by suicide or self-inflicted injuries, death caused by
participation in illegal activities, or death caused by engaging in hazardous
activities such as skydiving, paragliding, and other adventure sports.
WHAT IS THE LIFE INSURANCE TERM THAT I SHOULD CHOOSE?
The right life insurance term depends on your specific needs and goals. It is
recommended to assess your financial situation and financial responsibilities.
For instance, if you have dependent parents, a spouse, and children who rely on
your income, you can opt for a longer term that provides financial coverage
until your dependents are financially independent. If you have a loan, you can
choose a policy term that provides coverage for the loan's repayment period. It
is essential to carefully evaluate your insurance needs and choose a policy term
that provides adequate coverage for your specific concerns and situation.
WHICH TYPE OF LIFE INSURANCE PLAN IS THE MOST AFFORDABLE?
Term life insurance is typically the most affordable type of life insurance plan
as it does not offer any cash value or investment component. Term policies
provide coverage for a specific term, such as 10, 20, or 30 years, and only
offer death benefits to the beneficiary in the case of the policyholder's
unexpected demise during the policy term.
WHAT IS A WHOLE LIFE INSURANCE POLICY?
Whole Life Insurance is a term insurance policy that covers you up to 99 years
of age. They differ from other insurance policies with 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 insured person's death before this age, the life insurance
policy's beneficiaries will get the sum assured. Insurance payouts are exempt
from tax subject to conditions prescribed under Section 10(10D) of the Income
Tax Act, 1961.
HOW TO CHOOSE THE RIGHT SUM ASSURED UNDER LIFE INSURANCE?
The right sum assured amount for you will depend on factors such as your age,
number of dependents, income, lifestyle, liabilities like debt, and future
financial goals. You must also consider other factors like an ongoing home loan,
child's education or marriage. It can also help to consult with a financial
advisor or speak to an insurance agent to decide the appropriate sum assured for
your needs and budget.
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-maill
* 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.
IMPORTANT DOCUMENTS TO BUY A LIFE INSURANCE POLICY
You may require the following documents when buying a life insurance policy:
* Identity proof, such as Aadhaar Card, PAN Card, Passport, or Voter ID
* Address proof, such as Aadhaar Card, Passport, Voter ID
* Age proof, such as a birth certificate, Passport, or PAN Card
* Income proof, such as salary slips, bank statements, or Income Tax Returns
(ITRs)
* Medical history records if requested for
IMPORTANT DOCUMENTS TO GET YOUR LIFE INSURANCE CLAIM AMOUNT EASILY
Here is the list of documents required for a death claim:
* Claimant's statement form
* For Lender Borrower Group (only for Credit Life policies) - claimant's
statement/claim intimation form
* For Affinity/Employer-Employee Group - claimant's statement/claim intimation
form
* Original Policy Document
* Copy of death certificate issued by the local municipal authority
* Copy of claimant's photo identification proof and current address proof
* Cancelled cheque/Copy of bank passbook
* Copy of medico-legal cause of death certificate
* Medical records include admission notes, discharge/death summary, indoor case
papers, test reports, etc.)
* Prior medical records of insured
* Medical attendant's/hospital certificate issued by a doctor
* Certificate from employer (for salaried individuals)
In addition to the above, the following documents are required for filing an
accidental/suicidal death claim:
* Post-mortem report and chemical viscera report
* FIR/Panchnama/inquest report and final investigation report
* Copy of driving license if the life assured was driving the vehicle at the
time of the accident and if the policy has the accident and disability
benefit rider
WHY IS IT IMPORTANT FOR WOMEN TO HAVE A LIFE INSURANCE PLAN?
According to a research study conducted by the State Bank of India's Economic
Research Department, in 2021, women purchased only 33% of the life insurance
policies in the countryΩ. While there is still a disparity in numbers between
male and female life insurance policyholders, the number of women buying life
insurance has gradually increased due to increased awareness and exposure.
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 a longer life expectancy than
men$$. This means you will have to stay financially prepared for a longer
period. And what better way to do that than with a life insurance plan?
FACTORS THAT AFFECT LIFE INSURANCE PREMIUM
The premium amount for your life insurance plans like health insurance and term
insurance, can depend on a number of factors. Some of these have been mentioned
below:
* Age: Age is a chief factor impacting your life insurance premiums. As you
age, the possibility of the insurer paying the claim also increases. This is
why the life insurance premium rises with age
* Gender: Women have higher life expectancy than men$$. 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: Lifestyle choices like smoking and drinking alcohol can increase
the risk of certain ailments. This impacts the premium amount for a life
insurance plan. Hence it is very important to disclose any lifestyle choices
or medical history at the time of purchase; incomplete or lack of disclosures
might impact your claims
WHAT WILL HAPPEN IF THE LIFE INSURANCE PREMIUM IS NOT PAID ON TIME?
If you fail to pay the life insurance premium on time, your policy may lapse,
and you will not be protected by it financially. However, the insurance company
will provide you with a grace period. During this time, you can pay the premium
along with a penalty fee or interest for late payments. If you do not pay the
premium during the grace period, the policy may be terminated permanently, and
you may lose all benefits.
WHAT HAPPENS IF I STOP PAYING LIFE INSURANCE PREMIUMS?
If you stop paying the life insurance premium, your policy will be terminated,
and you will lose all your benefits. Your life insurance policy will no longer
offer coverage and the protection associated with it. In the case of an
unfortunate event during the policy term, your loved ones will not receive the
plan's benefits. Therefore, it is recommended to pay the premium on time. If you
must surrender your policy, make sure you first understand the terms and
conditions and then proceed.
HOW DOES THE LIMITED PAY OPTION WORK IN TERM LIFE INSURANCE?
The Limited Pay option in term life insurance allows you to pay the premium for
a specific period, such as 10, 15, or 20 years. While the policy stays active
for the chosen policy term, you only pay the premium for a limited time and not
the entire term. The Limited Pay option can be a good choice if you do not want
to pay premiums for the entire policy duration.
DO TERM INSURANCE PREMIUMS INCREASE EVERY YEAR?
No, term insurance premiums do not increase every year. The premium amount
remains the same throughout the policy's term. This is why it is advised to
purchase term insurance early in life. The younger you are, the lower the
premium, and you get to save a lot of money throughout the policy term.
However, some term insurance policies may have increasing premiums. It is
important to go through the terms and conditions of the plan before purchasing
it to understand how its premium can be paid.
SHOULD YOU OPT FOR LIMITED PAY OR REGULAR PAY TERM LIFE INSURANCE?
The decision to choose between Limited Pay or Regular Pay term life insurance
depends on your income, financial goals, and needs. If you do not want the
hassle of paying the premium for the entire duration of the policy, you may
consider the Limited Pay option in term insurance. On the other hand, if you are
comfortable paying the premium for the entire duration of the policy, you may
consider the Regular Pay option in term insurance. It is important to understand
the effect of the premium on your monthly budget and carefully opt for a policy
that aligns with your financial goals and needs in the long run.
WILL I RECEIVE TAX BENEFITS UPON THE MATURITY OF MY LIFE INSURANCE POLICY?
Yes, life insurance plans do offer tax* benefits under the Income Tax Act, 1961.
The proceeds received under the policy are exempt subject to conditions under
Section 10(10D) of The Income Tax Act, 1961.
WILL I BE ABLE TO CLAIM TAX BENEFITS IF I STOP PAYING PREMIUMS IN THE MIDDLE OF
MY POLICY TERM?
If you stop paying the premium for your life insurance plan, your policy will
lapse, and you will lose all benefits.
ARE PROCEEDS FROM LIFE INSURANCE TAXABLE?
The death benefit received from a life insurance plan is entirely tax-free. The
proceeds received under the policy are exempt subject to conditions under
Section 10(10D) of The Income Tax Act, 1961. It is advisable to consult a tax
advisor to better understand the tax implications associated with life insurance
policies, as tax laws can change over time.
WHAT ARE THE TAX* BENEFITS APPLICABLE ON A TERM LIFE INSURANCE?
Term life insurance policies offer tax* benefits on the premiums paid and the
benefits received. The premiums paid under the policy are eligible for
deductions subject to conditions prescribed under Section 80C of The Income Tax
Act, 1961. The proceeds received under the policy are exempt subject to
conditions under Section 10(10D) of The Income Tax Act, 1961.
WHAT IS THE AVERAGE LIFE INSURANCE PAYOUT?
The average life insurance payout in India can depend on various factors, such
as the type of policy, the sum assured, and the life insured's age, health, and
occupation. The payout can range from a few lakhs to several crores of rupees.
It is important to evaluate your insurance needs and select a sum assured amount
that adequately covers your family's future needs. When deciding the sum
assured, you can consider factors like your ongoing debts, children's higher
education, lifestyle needs, and others.
DO I NEED TERM INSURANCE IF I ALREADY HAVE LIFE INSURANCE?
Life insurance plans can be categorised into multiple types: whole life
insurance, endowment plans, Unit-Linked Insurance Plans (ULIPs), and more. These
plans provide a life cover and have a savings or investment component. They can
help you provide a safety net for your family, create wealth, and plan for
future financial goals like a home, children's higher education, retirement, and
other similar needs.
Term insurance plans only provide coverage for a specified period. In the case
of an unfortunate event, these plans offer a guaranteed sum assured to the
nominee as long as the policy is active and all premium payments have been paid
in full.
Having a term insurance and another life insurance policy for other needs
secures your family and ensures their well-being in case one plan does not
suffice. However, decide after thoroughly evaluating your needs, as the premium
payments may interfere with your monthly budget.
WHAT IS THE DIFFERENCE BETWEEN TERM LIFE INSURANCE AND TRADITIONAL LIFE
INSURANCE PLANS?
The primary difference between term life insurance and traditional life
insurance plans is that the former does not have a savings feature. Term life
insurance is a pure protection policy that only provides coverage for a
specified period. There are generally no benefits on surviving the term. It is
also generally more affordable as no savings or investment component exists. In
contrast, traditional life insurance plans provide coverage for the policy term
and have a savings or investment component that helps you build cash value over
time.
DISCLAIMERS
`~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
ICICI Pru iProtect Return of Premium
1 Life cover is the death benefit payable on 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
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
2 Life-stage cover: In case of Life-stage cover, Absolute amount assured to be
paid on death will be based on 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 age 55, 5% of 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 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 Basic Sum Assured and continues at the same level till end
of the policy term
3 Return of Premium / Guranteed Return: Return of premiums is available on
survival under three of the Plan Options: ‘Return of Premium’, ‘Return of
Premium with Life-stage cover’ and ‘Early Return of Premium with Life-stage
cover’ and refers to total of all premiums received, excluding premiums for
optional benefits i.e. Accidental Death Cover, Critical Illness Benefit, any
extra premium, any rider premium and taxes, if any. The plan options ‘Return of
Premium’ and ‘Return of Premium with Life-stage cover’ provide maturity benefit
on survival of the Life Assured till the end of the policy term. The plan option
‘Early Return of Premium with Life-stage cover’ provides survival benefit on
survival of the Life Assured till the policy anniversary immediately after the
Life Assured turns age 60 or 70, depending on the return of premium age chosen
by the customer at inception. The fourth plan option ‘Income Benefit’ provides
regular monthly income from the policy anniversary after the Life Assured
attains age 60 as a survival benefit till the end of the policy term. Please
note that the sum of monthly incomes paid under this plan option can be higher
or lower than the total premiums paid by the customer, and may not be return of
premium
4 Critical Illness Benefit: Critical Illness Benefit is up to ₹1 Crore
(Subjected to underwriting guidelines).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 first occurrence of any of the covered 60 major
Critical Illnesses within CI Benefit term. 25% of the CI Sum Assured or
₹500,000.00 whichever is lower is paid as a lump sum upon the Life Assured being
diagnosed on 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 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 the 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
5 Accidental Death Cover: Accidental Death Cover is up to ₹2 crore (Subjected to
underwriting guidelines). ADB Benefit is an additional optional benefit and is
available with ‘Life Plus’ and ‘All in One’ benefit options. In the event of the
Life Assured’s death due to an Accident, ADB will be payable as a lump sum. ADB
is available for the policy term or till the age of 80 years, whichever is
lower. For Return of Premium Plan and Income Benefit Plan, ADB can be less than
or equal to the Basic Sum Assured as per plan option. For Return of Premium with
Life-stage Cover Plan and Early Return of Premium with Life-stage Cover Plan,
ADB5 can be less than or equal to the 50% of the Basic Sum Assured chosen at
inception. ADB is a pure risk benefit and does not have Survival or Maturity
Benefit. Premiums paid corresponding to ADB 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
2a Monthly income is available under “Income Benefit” plan option and starts
from the policy anniversary after the Life Assured turns 60 years of age till
the end of the policy term. Please note that the monthly income is 0.1%,0.2% or
0.3% of base Sum Assured depending on the monthly income percentage chosen by
the customer at inception and the sum of monthly incomes paid under this plan
option can be higher or lower than the total premiums paid by the customer, and
may not be return of premium
2b Tax benefit of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) 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 and health premium u/s 80D of ₹ 25,000.
Tax benefits under the policy are subject to conditions under Section 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 more details
ICICI Pru iProtect Return of Premium (UIN: ), A Non-Linked, Non-Participating
Individual Life insurance Savings product. W/II/4644/2021-22
ICICI Pru iProtect Smart
!aLife cover: Life Cover is the benefit payable on the death of the life assured
during the policy term
2aThe premium of ₹ 460 p.m. has been approximately calculated for a 18-year-old
healthy male life with monthly mode of payment and premiums paid regularly for
the policy term of 31 years with income payout option (income for 20 years) with
Life Cover of ₹1 crore. Goods and Services tax and/or applicable cesses (if any)
as per applicable rates will be charged extra.
~^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
**Our Life insurance policies COVID-19 life claims are subject to applicable
terms and conditions of the policy contract and extant regulatory framework
## Accelerated Critical Illness benefit(ACI benefit) is up to ₹1 crore
(Subjected to underwriting guidelines). 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 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.
^^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
~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
4A Life Assured shall be regarded as Terminally Ill only if that Life Assured is
diagnosed as suffering from a condition which, in the opinion of two independent
medical practitioner’s specializing in treatment of such illness, is highly
likely to lead to death within 6 months. The terminal illness must be diagnosed
and confirmed by medical practitioner’s registered with the Indian Medical
Association and approved by the Company. The Company reserves the right for
independent assessment.
5In case of permanent disability due to an accident, all future premiums are
waived off and the life cover continues for the remaining policy duration. This
benefit comes in-built in your term insurance policy without any extra cost to
you. To know more about definitions, terms & conditions applicable for permanent
disability due to accident, kindly refer sales brochure of ICICI Pru iProtect
Smart.
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.
9Accidental Death benefit (ADB) is up to ₹2 crores(Subjected to underwriting
guidelines). ADB is available in Life Plus and All in One options. In case of
death due to an accident Accidental Death Benefit will be paid out in addition
to Death Benefit. Accidental Death Benefit will be equal to the policy term or
(80-Age at entry), whichever is lower.
ō The policyholder will have an option to cancel the Policy and receive Smart
Exit Benefit, equal to Total Premiums Paid under the Policy. The following
conditions are applicable for availing Smart Exit benefit:
This option can be exercised in any policy year greater than 25 but not during
the last 5 policy years, provided the age of the life assured is 60 years or
more at the time of exercise The Policy is in-force with all due premiums paid
at the time of exercising this option No claim for any of the underlying
benefits has been registered and is under evaluation/ or accepted/ or paid/
being paid on the Policy
Where, Total Premiums Paid means the total of all premiums received, excluding
any extra premium, any rider premium and taxes. In case the benefit term for
additional benefit(s), for which additional premium has been paid, has expired
at the time of exercise of Smart Exit Benefit, then Total Premiums Paid shall
exclude the premium paid towards such additional benefit(s). Please refer to
sales brochure for more details.
S1 Total Premiums Paid means the total of all premiums received, excluding any
extra premium, any rider premium and taxes. In case the benefit term for
additional benefit(s), for which additional premium has been paid, has expired
at the time of exercise of Smart Exit Benefit, then Total Premiums Paid shall
exclude the premium paid towards such additional benefit(s)
^ Tax benefit of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) 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 and health premium u/s 80D of ₹ 25,000.
Tax benefits under the policy are subject to conditions under Section 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 more details
W/II/0825/2023-24
ICICI Pru iProtect Smart UIN:
~*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.
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.
+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 - . ICICI Pru Signature - . ICICI Pru
Guaranteed Pension I13 & I14 UIN - . ICICI Pru Guaranteed Income For Tomorrow -
. ICICI Pru Guaranteed Pension Plan Flexi - . ICICI Pru Saral Pension Plan - .
ICICI Pru Guaranteed Wealth Protector -
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)
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.
//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.
$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.
≠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 Guaranteed Income for Tomorrow (Long-term): UIN: . 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.
&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.
ICICI Pru iProtect Smart UIN: . COMP/DOC/Jun/2023/96/3246
ICICI Pru Savings Suraksha
1 Life Cover is the benefit payable on death of the life assured during the
policy term
2 Your GMB will be set at policy inception and will depend on policy term,
premium, premium payment term, Sum Assured on death and gender. Your GMB may be
lower than your Sum Assured on death
3 Guaranteed 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
4 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
applied 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, if any. Reversionary bonus once declared is guaranteed and will be paid
out at maturity or on earlier death. A terminal bonus may also be payable at
maturity or on earlier death
5Tax laws are subject to amendments made thereto from time to time. Please
consult your tax advisor for more details
* Guaranteed benefits is in the form of Guaranteed Maturity Benefit and
Guaranteed Additions
ICICI Pru Savings Suraksha: UIN . ADVT: W/II/0901/2023-24
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 105N190V02
6Bonuses: Bonuses will be applied through the simple bonus method. Cash Bonuses
may be declared annually throughout the policy term for all three variants, and
will be expressed as a proportion of the Annualized Premium. For a new policy
sold with Date of Commencement of Risk on or after April 1 in any financial
year, there may not be any Cash Bonus rate declared for such policies when the
Survival Benefit becomes due to be paid. In such circumstances, the Company may
pay a fixed cash income benefit in lieu of Cash Bonus. This fixed cash income
benefit will be based on a non-participating Cash Income rate (declared by the
Company annually in advance) and once declared shall remain guaranteed to be
paid as part of Survival Benefit as and when it is due. Such payments in the
form of fixed benefit shall continue till a Cash Bonus rate (as applicable for
the policy) is declared and the Cash Bonus benefit, if declared, becomes payable
at the next benefit due date. A separate Terminal Bonus may be declared under
each variant, and will be payable on death, surrender and maturity,
respectively, for a premium paying or a fully paid policy. Please refer to the
sales brochure for more details.
ICICI Pru Gold UIN: 105N190V02 A Non-Linked, Participating Individual Life
Insurance Savings plan. W/II/0941/2023-24
ICICI Pru Protect N Gain
1 Life cover is the benefit payable on death of the life assured during the
policy term. Death Benefit will be highest of:
Sum Assured, including Top-up Sum Assured, if any 105% of the total premiums
paid Fund Value including the Top-up Fund Value, if any 2 Starting from the 11th
policy year, you will receive 2X/3X of return of mortality and 2X of policy
administration charges (excluding taxes), at the beginning of each month, till
the end of the policy term. These will be added in the form of units to the Fund
Value.
3 At policy maturity, an addition, known as Maturity Booster in the form of
extra units (Units mean a specific portion or part of the Unit Linked Fund(s) in
which you have saved your money) will be made to boost your Fund Value. This
Maturity Booster will be equal to 20% percentage of the average of the Fund
Values including Top-up Fund Value, if any, on the last business day of the last
eight policy quarters
4 Systematic Withdrawal Plan is allowed only after the first five policy years.
5Available through mandatory rider ‘ICICI Pru Accidental Death and Disability
rider’. Please refer to the rider brochure for more details.
6Switches are only applicable for fixed portfolio strategy and not applicable
for other portfolio strategies.
7The sum assured multiple in ICICI Pru Protect N Gain is calculated basis the
chosen life cover, life assured’s age, premium payment term and policy term. The
highest available sum assured multiple is 100 in the product.
~Maturity benefit is policy fund value, including top up fund value, if any. On
payment of maturity benefit, the policy terminates.
% 7.72 crore lives covered across our individual and group customers as per
ICICI Prudential Life Council Report
*Tax-free returns/Tax benefits of ₹46,800 under Section 80C is calculated at
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, 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
> ClaimForSure: 1 Day Death Claim Settlement is available for the following:
a) All due premiums in the policy have been paid and the policy has been active
for 3 consecutive years preceding life assured’s death
b) Mandatory documents to be submitted at Branch Office- Claimant statement
form, Original policy certificate, Copy of death certificate issued by local
authority, AML KYC documents- Nominee’s recent photograph ,Copy of Nominee’s pan
card, Nominee’s current address proof, photo identity proof, Cancelled cheque/
Copy of bank passbook, Copy of medico legal cause of death, Medical records
(Admission notes, Discharge / Death summary, Test reports, etc.), For accidental
death - Copy of FIR, Panchnama, Inquest report, Postmortem report, Driving
license
c) Total claim amount of all the life policies held by the Life Assured <=₹ 1.5
Crore
d) Claim does not require any on-ground investigation
1 Day is a working day, counted from date of receipt of all relevant documents
from the claimant, additional information sought by the Company and any
clarification received from the claimant. The Company will be calling the
claimants for verification of information submitted by the Claimant which will
also be considered as part of relevant documents. Working day will be counted as
Monday to Friday and excluding National holidays/Bank holidays/Public holidays,
Interest shall be at the bank rate that is prevalent at the beginning of the
financial year in which death claim has been received. In case of breach in
regulatory turnaround time, interest will be paid as per IRDAI regulations.
Under ULIP policies, if claim is submitted prior to 3 pm then the claim will be
considered under Claim For Sure on the same day. If claim is submitted post 3pm
or if the policy is inactive at the time of claim notification then the claim
will be considered under Claim For Sure the next day as per availability of NAV
ICICI Pru Protect N Gain (UIN: ). ICICI Pru Linked Accidental Death and
Disability Rider (UIN: )
IShield
This advertisement is designed for Combi Product named: iShield, UIN:
ICIHLIP24028V012324. The product is jointly offered by “ICICI Lombard General
Insurance Company Limited” and “ICICI Prudential Life Insurance Company Limited”
which offers the combination of a Life Insurance cover offered by ICICI
Prudential Life Insurance Company Limited and a Health Insurance cover offered
by ICICI Lombard General Insurance Company Limited. The risks of this ‘Combi
Product’ are distinct and are assumed / accepted by respective insurance
companies. The liability to settle the claim vests with respective insurers,
i.e., for health insurance benefits “ICICI Lombard General Insurance Company
Limited” and for life insurance benefits “ICICI Prudential Life Insurance
Company Limited.”
1Life cover is the benefit payable on death of the Life Assured during the
policy term.
2Permanent Disability: On diagnosis of Permanent Disability (PD) due to an
accident, the future premiums under your policy for all benefits are waived. To
know more about definitions, terms and conditions applicable for permanent
disability due to accident, kindly refer sales brochure of ICICI Pru iProtect
Smart.
3The Company hereby agrees subject to the terms, conditions and exclusions
herein contained or otherwise expressed, for the period and to the extent of the
Sum Insured as specified in the Schedule to this Policy. The Policy covers
Reasonable and Customary Charges incurred towards medical treatment taken during
the Policy Period for an Illness, Accident or condition described below if this
is contracted or sustained by an Insured / Insured Person during the Policy
Period and subject always to the Sum Insured, any subsidiary limit specified in
the schedule of Benefits, the terms, conditions, limitations and exclusions
mentioned in the Policy and eligibility as per the insurance plan opted by
insured and stated in as stated in the Schedule
4This benefit covers relevant medical expenses incurred during a period up to
the number of days as specified in the Schedule of benefits forming part of this
Policy, prior to hospitalisation or day care treatment for treatment of Disease,
Illness contracted or Injury sustained for which the Insured / Insured Person
was hospitalized, giving rise to an admissible claim under this Policy. This
benefit is a part of benefit available under ‘In-patient treatment’ and is
limited to the available Sum Insured under ‘In-patient treatment’.
Pre-hospitalisation Medical Expenses can be claimed as reimbursement only.
5This benefit covers hospitalisation expenses towards medical treatment, and/or
day care procedure/ treatment/ surgery incurred by the Insured / Insured Person
which is undertaken under General or Local Anesthesia in a Hospital/day care
centre (where 24 hours of hospitalisation is not required due to technologically
advanced treatment) which shall be payable. The benefit under this Section is
limited to the available Sum Insured under ‘In patient treatment’ of this Policy
as mentioned in the Schedule to this Policy
6Tax benefits 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 more details.
IShield – UIN:ICIHLIP24028V012324. ADV/17800
ICICI Pru GIFT Pro
1Life Insurance Cover is the benefit payable on death of the Life Assured during
the policy term.
2Guaranteed Benefits will be payable subject to all due premiums being paid.
3Level Income and Increasing Income are income options available under GIFT Pro.
Under Level Income, the Guaranteed Income will remain constant throughout the
income period. If Increasing Income is selected, the Guaranteed Income will
increase by 5% p.a of the base income
4You can choose to receive any percentage from 0% to 100% of the sum total of
all annualized premiums payable by you as MoneyBack Benefit. This will be paid
as a one time Lump sum amount. Additionally you also have the flexibilty to
choose any year, on or after the maturity date of the policy up to the last
income year, to receive this MoneyBack Benefit. Your Guaranteed Income amount
will be adjusted based on the MoneyBack Benefit % and payout year selected by
you. You can opt for these flexibilities at the inception of the policy.
MoneyBack Benefit % and payout year cannot be changed later.
5Low cover income booster at the inception of the policy, you can choose to opt
for “Low Cover Income Booster” wherein you will be able to receive increased
income for opting a lower life cover
6You have an option to receive GI every year on a Special Date of your choice
preceding the due date of first GI pay-out during the Income Period. The Special
date can be chosen to coincide with any date such as, Date of Maturity, birth
date or anniversary date etc. Payment of GI will commence from this Special Date
and all further GIs will be paid every year on this Special Date chosen. In case
You opt for a Special Date, the GI payable each year would be adjusted by
multiplying the GI amount with a discount loading factor, varying by the policy
month in which the Special Date falls.
7Tax benefits under the policy are subject to conditions under 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 more details.
ICICI Pru GIFT Pro UIN:
Smartkid with ICICI Pru Smart Life
~Reference for rising cost of education:
https://www.thehindubusinessline.com/data-stories/data-focus/after-a-massive-dip-in-2021-education-inflation-rises-with-return-to-normalcy/article65513706.ece
https://www.moneycontrol.com/news/business/personal-finance/how-education-inflation-can-hurt-your-childs-future-8682261.html
`Company pays all due premiums in your absence provided all due premiums have
been paid. Units will continue to be allocated as if the premiums are being paid
– to ensure that your savings for your desired goal continues uninterrupted.
*Tax benefits under the policy are subject to conditions under Section 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 more details
+Partial withdrawals are allowed after the completion of five policy years
provided monies are not in Discontinued Policy 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 partial
withdrawals are free of cost. For the purpose of partial withdrawals, lock in
period for Top-up premiums will be five years from date of payment or any such
limit prescribed by IRDAI from time to time. Partial withdrawal will not be
allowed if it results in termination of the policy
ΔMinimum premium is applicable for specific ages. Please refer the product
brochure for more details
SmartKid with ICICI Pru Smart Life Plan UIN . Advt. No.: W/II/0607/2023-24
`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.
*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.
Ωhttps://www.deccanherald.com/business/1-in-3-life-insurance-policies-in-india-sold-to-women-sbi-report-1093571.html
E/II/0643/2023-24
*`Benefits from the 2nd year onwards is available under the Early Income Plan
option.
Two policies of ICICI Pru iProtect Smart. UIN:
W/II/0602/2023-24
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ICICI Pru tops the claim settlement list in Q2-FY24. Read!
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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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irdai cautions public against spurious calls and FICTITIOUS offers