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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
- ICICI Pru GIFT ProGuaranteed Income Plan
- 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
2Conditions apply
- ICICI Pru Guaranteed Income For TomorrowGuaranteed Lumpsum Plan
- ICICI Pru GIFT ProGuaranteed Income Plan
- 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
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
- 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
*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
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- What are ULIPs?
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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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- Understanding Section 80E
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- Asset Allocation
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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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- Asset Allocation
- FAQS
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Claim Related FAQs
Get answers to all your questions regarding claims, their submission and settlement.
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Here is what our delighted customers have to say about their online buying experience.
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- Retirement Planning Handbook
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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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- Retirement Research
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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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- Retirement Planning Handbook
- UNDERSTANDING LIFE INSURANCE
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IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
A bigger home, a better car, your children’s admission to the best college, or financial stability during your post-retirement years – sometimes your financial goals may seem challenging. However, achieving your goals is simple when you have the right plan to help you manage your money. There lies the significance of financial planning. Let us find out about financial planning and its importance to grow your wealth.
What is Financial Planning?
Financial planning helps you create a step-by-step roadmap to meet your financial objectives in the future, keeping in mind your current income and investments. Financial planning gives you better control over your income by:
- Properly defining your financial goals
- Managing your expenses & taxes, and
- Investing efficiently
Why is Financial Planning Important?
Child's education
Education is becoming increasingly expensive. With prices rising every year, these costs will only go up in the future. You can use a children’s education calculator to understand the amount of funds required for your child’s bright career. A good financial plan will help you build up the amount required by the time your child is ready for college. A ULIP plan like ICICI Pru Smart Kid1 is a viable solution. It offers:
- Financial rewards2 for staying invested for a longer duration
- Returns3 at the end of the policy term to fund your child’s education
- Life cover4 offering lump sum payout to cover your child’s expenses in case of an eventuality during the policy term
- Waiver of premiums in case of an unfortunate event before the maturity date
Post-retirement goals
Everyone wants to be financially independent after retirement. Thus, you must ensure you have enough funds to cover future expenses and fulfil your post-retirement dreams. A retirement plan offering regular income ensures financial security even after your paycheque stops. With a retirement planning calculator, you can review how much to invest to build enough funds for a comfortable retirement. When you start investing early, you get a head start for achieving this goal.
Money management
Managing your money is essential to achieve important financial milestones. A financial plan helps you prioritise your important life goals and estimate the funds needed to achieve them. It also helps with getting significant returns on your money within the time-frame available for fulfilling your goals.
Tax-saving
Taxes form a significant part of your expenses every year. Hence, it is necessary to make the right investments that help with saving taxes5. With financial planning, you can identify such tax-saving investment options that match your savings goals as well.
Emergencies
With careful money management, you can keep aside a nest egg worth six months’ salary. It can be useful in case of unforeseen expenses. Financial planning keeps you ready for uncertainties so that financial emergencies do not derail your savings or affect your living standards.
Thus, the significance of financial planning is the clarity it gives on managing your money effectively and improving your financial well-being.
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Disclaimer
1 Unit Linked products are different from traditional insurance products and are subject to the risk factors.
The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/ her decisions. ICICI Prudential Life Insurance is only the name of the Life Insurance Company and Smart Kid Solution is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contact, its future prospects and returns.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns .
2 Wealth Booster : Average of the Fund Values on the last business day of the last eight policy quarters where Fund Value is the total value of your money that is invested in equity and debt fund of your choice.
3 Fund Value is the total value of your money that is invested in equity and debt fund of your choice.
4 Life cover is the benefit payable on death of the life assured.
5 Tax benefits are subject to conditions under Section 80C,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good 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.
ICICI Pru Smart Life (unit-linked non-participating individual life insurance plan) - UIN: 105L145V08
L/II/1232/2015-16
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