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NEW
Get 100% GUARANTEED^, Tax-free* income + life cover+ for your long-term goals
Invest Now^*+Conditions apply W/II/1540/2022-23
Buy online & get up to 2% additional income~
NEW
Superior protection at every life stage with life cover1 and RETURN OF PREMIUM3
Check Premium13Conditions apply W/II/1540/2022-23
Buy online & get 5% discount
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- Plans
- TERM INSURANCE
- ICICI Pru iProtect Smart (Bestseller)`~Lumpsum Payout
- Claims amount paid out in single instalments (lumpsum)
- Up to 5%`= Online Discount (Lifetime)
- Affordable High Life Cover!a to protect your family
- Up to 15%2 Salaried Discount (For 1st Year premium)
- Tax benefit^ on premiums paid and tax-free^ claims payout
- Optional 34 Critical Illnesses## rider & Accidental Death Benefit9 rider
- ICICI Pru iProtect Smart (New)Monthly Income Payout
- Claims amount paid in monthly instalments
- Up to 5%`= Online Discount (Lifetime)
- Up to 30%*2 discount on premiums for monthly income payout (Lifetime)
- Up to 15%2 Salaried Discount (For 1st Year premium)
- In-built Terminal Illness Benefit3A and Permanent Disability Waiver5
- Optional 34 Critical Illnesses## rider & Accidental Death Benefit9 rider
W/II/1316/2023-24
- ICICI Pru iProtect Smart (New)(Term Plan for Women)
- Affordable High Life Cover!a to protect your family
- Flat 15%F Discount for Women on Life Cover (Lifetime)
- Up to 5%`= Online Discount (Lifetime)
- Up to 15%2 Salaried Discount (For 1st Year premium)
- 34 Critical Illnesses Cover## (Optional)
- Tax benefit^ on premiums paid and tax-free^ claims payout
W/II/0354/2024-25
- ICICI Pru iProtect Smart (Bestseller)`~Lumpsum Payout
- 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
- In-built Terminal Illness Benefit4 and Permanent Disability Waiver5
- Tax benefit^ on premiums paid and tax-free^ claims payout and returns
- Special discount2 on first year’s premium for salaried customers
- ICICI Pru iProtect Return of Premium(Guaranteed Return3)
- High Life Cover1 to protect your family
- Guaranteed 105% return3 of life cover1 premium on maturity
- Option to get Monthly Income2a or Flexible Life Cover2 at every life stage
- Optional 64 Critical Illnesses4 rider of up to ₹ 1 crore
- Optional Accidental Death Benefit5 rider of up to ₹ 2 crore
- Tax benefit2b on premiums paid and tax-free2b claims payout and returns
- ICICI Pru Protect N Gain (New)(Market Linked Return)
- Potential to grow your wealth with Market Linked Returns
- Life cover1 up to 125x of Annual Premium7
- Return of Mortality and premium allocation charges2
- Unlimited tax-free* partial withdrawals4 allowed, that too free of cost
- Take control of your investments with unlimited free fund switches6
- Tax benefit* on premiums paid and tax-free* claims payout and returns
- ICICI Pru iProtect Smart – Smart Exit Option(Optional Return)
- ULIP (UNIT LINKED INSURANCE PLANS)
- ICICI Pru Signature (Popular)
- Financial protection for your loved ones with life cover
- Tax benefits u/s 80C & 10(10D)4
- Return of mortality and policy administration charges1
- Withdraw money regularly from your policy with SWP3
For offline Signature refer to Offline Signature Brochure
- ICICI Pru Protect N Gain (New)(Market Linked Return)
- Potential to grow your wealth with Market Linked Returns
- Life cover1 up to 125x of Annual Premium7
- Return of Mortality and premium allocation charges2
- Maturity booster3 at policy maturity to boost your fund value
- Withdraw money regularly from your policy with SWP4
- Get added protection with Accidental Death cover5 and Accidental Disability cover5
- ICICI Pru Platinum (New)
- Potential to grow wealth through market linked returns
- Life cover1 to secure your loved ones
- Systematic withdrawal plan2 to withdraw money regularly from your policy
- Tax benefits3 as per prevailing tax laws
- Choice of 4 portfolio strategies and wide range of funds4
- ICICI Pru1 Wealth
- ICICI Pru LifeTime Classic
- ICICI Pru Smart Life
- ICICI Pru Signature (Popular)
- ULIP WITH CAPITAL GUARANTEE
- Signature Capital Guarantee II Solution
- ICICI Pru Save N Grow
- Market linked2 returns + Safety1 of investment
- Start creating wealth2 with a minimum premium of ₹1,850 p.m.
- Return of mortality and policy admin charges5 from 6th policy year
- Maturity booster6 to boost your earnings
- Life cover4 to financially protect your loved ones
- Tax3 benefits u/s 80C and 10(10D)
- Guaranteed Return Plans
- Child Plans
- RETIREMENT AND PENSION PLANS
- ICICI Pru Saral Pension PlanSingle Premium Immediate Income
- 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
- 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
- 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
- ICICI Pru Gold Pension Savings Plan
- 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
- 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
- ICICI Pru Future Perfect
- 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
See AlsoDifferent types of investments*Conditions apply
- ICICI Pru Gold (New)
- Health Insurance Plans
- ICICI Pru Heart / Cancer Protect
- 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
- TERM INSURANCE
- Term Insurance
- Claims
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- UNDERSTANDING LIFE INSURANCE
- Insurance Guide
- What is Life Insurance?
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- What are Child Insurance Plans?
- What is Annuity?
- What is an Endowment Policy?
- What is Critical Illness Insurance?
- Guide to Claims Settlement Ratio
- What is MWP Act?
- What are Riders?
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Plan Asset Allocation
This section helps you understand the amount of money that you could invest in either equity or debt as per your risk preference.
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‘The secrets of successful retirees: the official handbook’ helps you start life’s new chapter worry-free
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‘Is India prepared for retirement?’ report highlights the key findings about India’s attitude towards retirement, money and annuity plans
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In ULIPs, the Investment Risk In The Investment Portfolio Is Borne By The Policyholder
What Is Investment Insurance?
Investment insurance is a financial product that combines the benefits of both insurance and investment. A ULIP can be considered an investment insurance plan. It secures your loved ones financially in case of an unfortunate event and at the same time, helps you grow your money.
Insurance investment plans can be ideal for all ages, throughout your earning years. An investment insurance plan is a single solution to help you achieve your long-term financial goals, such as purchasing a house, starting a business, a financially independent retirement, and more. It enables you to live stress-free and protect your family's needs.
Insurance and Investment
Insurance and investment are two important components of financial planning. They offer distinct benefits and cater to your financial needs. Here is how:
Insurance provides you with a life cover that secures your loved ones financially in case of any unfortunate event. It provides your loved ones with a fixed amount of money in such a situation.
Investment helps you earn returns on your money by investing in market-linked instruments. Your money gets invested in equity and debt markets and offers you with returns. These returns can help you meet your financial goals.
Investment insurance offers the benefits of both insurance (through a life cover) and investment (market-linked returns). It offers an assured life cover amount in the case of an unfortunate event and, at the same time, helps you grow your money and generate returns for your financial goals.
Benefits of Investment Insurance
Funds for Emergencies and Leisure, both
Investment insurance plans give you a life cover that secures your loved ones in case of an unfortunate event. In addition, the returns from the plan can be used to fulfil your financial needs and goals. You can use the money to buy a house, travel, pay your child’s education fees, and more. You can also set it aside as an emergency fund to be used in case of any unplanned expenses. These funds can be withdrawn at any time after the first five years of the plan.
Systematic Withdrawals^
Some investment insurance plans offer the option to get regular payouts. You can opt for systematic withdrawals and create a regular source of income for yourself.
Tax Benefits
As these plans have a life insurance component, they qualify for tax benefits under The Income Tax Act, 1961. You can claim a deduction of up to ₹ 1.5 lakh on the premiums paid under the policy subject to conditions under Section 80C of the Income Tax Act, 1961. The payouts you receive from the plan are also tax-free subject to the conditions under Section 10(10D).
Investment insurance plans offered by ICICI Pru Life
ICICI Pru Signature:
This plan invests your money in market-linked instruments. You may choose to invest in high-performing equity funds, low-risk debt funds, or balanced funds, as per your risk appetite. You can also switch between the funds as many times as you want without any extra cost. The plan offers four portfolio strategies that help you manage your money as per your requirements.
ICICI Pru Signature offers you the flexibility to choose the premiums you want to pay as per your convenience. You can choose to pay the premiums monthly, half-yearly, yearly, or all at once. The plan also gives you the flexibility to increase your investment in the plan any time during the policy term using the top-up feature.
In addition, ICICI Pru Signature offers a life cover throughout your policy term. This ensures that your loved ones are financially secured, no matter what!
The plan also offers tax* benefits as per The Income Tax Act, 1961.
ICICI Pru Protect N Gain:
This plan also helps you invest your money in market-linked instruments. You may choose to invest in high-performing equity funds, low-risk debt funds, or balanced funds, as per your risk appetite. You can also switch between the funds as many times as you want without any extra cost. The plan offers four portfolio strategies that help you manage your money as per your requirements.
With ICICI Pru Protect N Gain, you can choose the amount of life cover you want from the plan. Your premiums are calculated basis the life cover amount that you choose. You can choose to pay the premiums monthly, half-yearly or yearly, as per your convenience. The plan also gives you the flexibility to increase your investment in the plan any time during the policy term using the top-up feature. The Systematic Withdrawal^ Plan feature allows you to withdraw a pre-determined percentage of your fund value regularly. This can help you to meet specific needs such as your child’s education or money for day-to-day expenses during retirement.
The plan also offers tax* benefits as per The Income Tax Act, 1961.
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Disclaimer
* 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 Service 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.
^Systematic Withdrawal Plan is allowed only after the first five policy years.
ICICI Pru Protect N Gain UIN:
ICICI Pru Signature UIN:
W/II/0562/2023-24
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