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LINK YOUR AADHAAR WITH PAN BY MARCH 31, 2022 TO AVOID HIGHER TAX DEDUCTION ON
YOUR POLICY PAYOUTS. CLICK HERE TO KNOW MORE. ||
OUR LIFE INSURANCE PLANS COVER COVID-19 CLAIMS. ||
FOR SERVICE RELATED QUERIES, PLEASE CALL ON 1860 266 7766. TIMINGS – 10:00 A.M.
TO 7:00 P.M., MON TO SAT (EXCEPT NATIONAL HOLIDAYS). IF YOU ARE AN ADVISOR,
PLEASE SELECT OPTION 7 ON THE IVR MENU. ||
DEDICATED CLAIMS ASSISTANCE FOR COVID-19. CLICK HERE FOR MORE INFO. ||
DEDICATED CLAIMS ASSISTANCE FOR FAMILIES AFFECTED BY HEAVY RAINFALL, FLOODS AND
CYCLONE. CLICK HERE FOR MORE INFORMATION.
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Call centre hours 9.00 a.m. – 9.00 p.m., all days
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Call charges apply. Timings – 10:00 A.M. to 7:00 P.M.,
Monday to Saturday (except national holidays)
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×
LIFE INSURANCE, RETIREMENT PLANNING, AND WEALTH CREATION
All in one place.
TERM INSURANCE
ICICI PRU
IPROTECT SMART
Key Features
* Life cover 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 ₹ 540 per month (under Life Option)
Check Premium
SAVINGS PLAN
ICICI PRU GUARANTEED INCOME FOR TOMORROW
Key Features
* 100% guaranteed~~ tax-free`` income/lumpsum
* Option to get income from 2nd year*`
* Upto 3.5% Additional Maturity Benefit online~*
* TAX BENEFIT``
* LIFE COVER
Start with just ₹ 2,500 per month
CHECK RETURNS
~~Conditions Apply
TERM INSURANCE
ICICI PRU IPROTECT
RETURN OF PREMIUM
Key Features
* 105% Return of total premiums† paid
* Life stage cover1† benefit (optional)
* 64 Critical illnesses$* cover (optional)
* TAX BENEFIT`
Start with just ₹ 1,066 per month (under level cover option) ‘``
Check Premium
ULIP PLAN
ICICI PRU
SIGNATURE ONLINE
IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE
POLICYHOLDER
Key Features
* 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
CHECK RETURNS
RETIREMENT PLAN
ICICI PRU GUARANTEED PENSION PLAN
Key Features
* Lifelong guaranteed~# income
* Option to defer income upto 10 years
* Return of purchase price
* TAX BENEFIT //
* MUTLIPLE JOINT LIFE OPTIONS9
Get 1% extra annuity every year
CALCULATE PENSION
~# Conditions Apply
Endowment Plan
ICICI PRU SAVINGS SURAKSHA
Key Features
* GuaranteedↃ returns with company performance linked bonuses£
* 5% Guaranteed AdditionsŦ for the first 5 years
* Tax-free± returns
* TAX BENEFIT±
* LIFE COVER
Start with just ₹ 1,000 per month
CHECK RETURNS
ↃConditions Apply
Conditions Apply. W/II/4911/2021-22
COMPLETE PROTECTION FOR YOUR FAMILY THROUGH
OUR TERM PLAN ICICI PRU IPROTECT SMART
Complete protection for your family through
our Term Plan ICICI Pru iProtect Smart
Create your own plan
Tell us about yourself to customize your plan I am:
* Single
Option to change nominee later Save tax up to ₹54,600``
Check Premium
* Married without kids
Full claim payout on diagnosis of 34 critical illnesses (optional)^ Option to
increase life cover at the time of 1st & 2nd child birth, without any
medicals
Check Premium
* Married with kid
Full claim payout on diagnosis of 34 critical illnesses (optional)^ You can
choose how your family will get the life cover amount - as lump sum and/or
monthly income
Check Premium
* Working woman
Special rates for women Full claim payout on diagnosis of 34 critical
illnesses (optional)^
Check Premium
* Self employed
MWPA – Protection against wrongful claims Additional payout up to ₹2 Crore in
case of death due to accident^^
Check Premium
* Paying off a loan
Large sum assured to cover your loan amount Full claim payout on diagnosis of
34 critical illnesses (optional)^ which can be used to pay your EMIs
Check Premium
Create your own plan
W/II/1476/2020-21
Experience the new and improved ICICI Prudential Life Insurance Mobile App
Our state-of-the-art mobile app will help you manage your insurance policies
with ease. Get the app to pay premium, download statements, file claims, buy new
policies, switch funds and much more.
LIFE INSURANCE
A life insurance plan is a contract between an insurance policyholder and an
insurance company, where the insurer promises to pay a sum of money in exchange
for a premium after a set period or upon the death of an insured person. Life
insurance offers you and your family financial protection. Some policies also
offer optional add-ons, such as critical illness benefit, accidental death
benefit, and more. The importance of life insurance cannot be ignored in
ensuring the financial safety of your loved ones.
BENEFITS OF BUYING LIFE INSURANCE
+
Life insurance protects your family members’ financial interests in your
absence. It gives you peace of mind and confidence and helps you save taxes.
There are several benefits of life insurance. Let us take a look at some of
them:
* Financial security: Life insurance products can provide you and your loved
ones with financial security. You can financially secure your family by
choosing a substantial life cover so that they can maintain their standard of
living in your absence
* Wealth creation: These plans help you create wealth over time and build
savings. Life insurance plans can be used to save for your future needs. They
offer options to cover different types of risks and goals
* Disciplined investment: With regular premium payments, life insurance plans
inculcate financial discipline. They offer unique investment opportunities
for every risk type with a wide range of products, such as unit linked
investment plans, guaranteed savings plans, endowment plans, and more
* Retirement planning: Life insurance products like annuity plans, savings
plans, endowment plans, and other help you build a retirement pool. These
plans offer guaranteed income on maturity and help you secure your retirement
with adequate savings
* Tax savings: Life insurance plans offer many tax` benefits to facilitate
better savings. The premiums paid are tax` deductible under Section 80C and
80D of the Income Tax Act, 1961. The maturity benefits also enjoy a tax-free`
status under Section 10(10D) in most cases
WHAT ARE THE DIFFERENT TYPES OF LIFE INSURANCE?
+
Types of life insurance in India:
* Term life insurance plan: Term insurance plans offer your nominee a fixed sum
assured amount in exchange of regular premiums, in case of an unfortunate
incident during the policy term
* Health insurance plan: Health insurance plans reimburse insured customers for
their medical expenses, including treatments, surgeries, hospitalisation and
the like which arise from injuries/illnesses, or directly pay out a certain
pre-determined sum to the customer
* Unit linked insurance plan (ULIP): A unit-linked insurance plan offers
investment and insurance under the same policy. A part of your premium gets
invested in equity/ debt/ balanced funds as per your choice and the other
part is used to secure your loved ones with a sum assured
* Endowment plan: An endowment plan allows you to build risk-free savings and
protect the financial interests of your family in your absence
* Annuity plan: An annuity plan is a type of retirement plan that offers you a
regular payment in return for a lump sum investment. In simple words, you pay
the life insurance company a premium in lump sum and your money is returned
to you as regular income either immediately or after a certain period of
time. The life insurance company invests your money and pays back the returns
generated from it to you as payouts
WHO NEEDS LIFE INSURANCE THE MOST?
+
Life insurance can be a must-have financial tool for the following people:
* Newly married couples: Life insurance can offer newly married couples peace
of mind and financial security. It can help your spouse live their life
comfortably and meet all financial liabilities
* Parents with young children: Parents with young children can purchase life
insurance to ensure that their children have a financial cushion to fall back
on if they are not around to take care of them. Insurance plans can also help
parents save for their kids’ future needs
* People nearing retirement with fewer savings: Life insurance plans allow you
to save and invest your money. You can opt for low-risk options and secure
your retirement and old age
* Business owners: Life insurance benefits can help your family carry on your
business in your absence. The pay-outs can also help them pay off creditors
or clear your debts
REASONS TO BUY LIFE INSURANCE
+
You can also buy life insurance policies online. You can compare different life
insurance products, their premiums, sum assured amounts, features, and more on
the internet. You can also compare the claim settlement ratio of several
insurance companies and pick a suitable life insurance policy. Life insurance
can be useful for several reasons like:
* It protects your loved ones and allows them to lead a dignified and
comfortable life in your absence
* It lets you create an additional source of income to meet your goals
* It helps you cover medical costs with add-on coverage
* It offers you peace of mind
* It helps you save for your old age
* It ensures a regular stream of income even after retirement
* It helps you provide for your child’s education and future needs
HOW MUCH LIFE INSURANCE DO I NEED?
+
The simplest way to calculate the minimum sum assured amount for a life
insurance plan is to multiply your current annual income by 10$ if you’re under
55 years of age. For example, if your current annual salary is ₹ 10 lakh, you
should buy a life insurance cover that is worth at least ₹ 1 crore. Another way
to calculate life insurance is by analysing your current and future expenses.
Here are some of the most important factors that you must consider before
choosing a sum assured amount for life insurance:
* Debt: Financial liabilities like loans can become a burden on your family in
your absence. Take cognizance of your debt and pick a life insurance amount
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 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 sum assured for life
* Age: Different stages of life present different financial needs. Hence, keep
the age of your dependents in mind while calculating your life insurance
coverage
FACTORS THAT AFFECT LIFE INSURANCE PREMIUM
+
The premium amount for your life insurance plan can depend on a number of
factors. Some of these have been mentioned below:
* Age: Age is one of the chief factors that impact the life insurance premium.
As you age, the possibility of the insurer paying the claim also increases.
This is why the premium rises with age
* Gender: Women tend to live longer than men $$ . Hence, they pay the premium
for a longer period. This results in a comparatively lower life insurance
premium
* Present health and medical history: You have to undergo a medical test before
purchasing a life insurance policy so that the insurer can assess your health
status. Having a history of medical issues can increase the premium for life
insurance. Family health history and hereditary diseases can also impact the
life insurance premium
* Lifestyle: Poor lifestyle choices like smoking and drinking can increase the
risk of certain ailments. This impacts the premium amount for a life
insurance plan
HOW DO I FILE A LIFE INSURANCE CLAIM?
+
You can file a life insurance claim in the following steps:
* You can file a claim online, at a physical branch central office, or on our
central ClaimCare helpline through SMS or e-mail
* You can visit the Claims section of the ICICI Prudential 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.
COMP/DOC/Sep/2021/159/6577
CUSTOMER TESTIMONIALS & REVIEWS
Customer Testimonials & Reviews
*
Karan Gupta
★★★★★
Thanks to ICICI Prudential Life Insurance for solving my queries about 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 the doubts.
*
Nakul Bhangadia
★★★★★
Hassle free and dependable. If the first few steps of taking insurance are
smooth, it gives confidence that the insurance is in safe hands.
*
Amit Sharma
★★★★★
Easy process. With the help of your executive, it becomes more trustable.
*
Suman Roychoudhury
★★★★★
Term insurance policy issuance is usually time taking with lots of documents
and medicals. Thanks to ICICI Prudential Life Insurance team for proving this
is a myth if you are purchasing term insurance online. Even during 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 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 the doubts.
*
Nakul Bhangadia
★★★★★
Hassle free and dependable. If the first few steps of taking insurance are
smooth, it gives confidence that the insurance is in safe hands.
*
Amit Sharma
★★★★★
Easy process. With the help of your executive, it becomes more trustable.
*
Suman Roychoudhury
★★★★★
Term insurance policy issuance is usually time taking with lots of documents
and medicals. Thanks to ICICI Prudential Life Insurance team for proving this
is a myth if you are purchasing term insurance online. Even during pandemic,
the policy issuance was lightning fast!!
Read all
COMP/DOC/Sep/2020/179/4471
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6 steps to a Healthier Lifestyle
Steps that can help you maintain a balanced lifestyle and mental harmony
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DISCLAIMERS
ICICI Pru iProtect Smart:
**Our Life insurance policies COVID-19 claims, subject to applicable terms and
conditions of policy contract and extant regulatory framework.
`~Source: Company BuyOnline Data-Apr 2021 till date
`^Source: Company BuyOnline Data-Dec 2015 till date
~^ The percentage saving computed is purely in terms of premium paid over the
term (Difference between 5 years Limited and Regular pay) of the policy and does
not account for time & other factors that may happen during this period. It is
one of the many features that the product offers and you can opt for it based on
your individual needs. The percentage saving is for ICICI Pru iProtect Smart -
Life Option for ₹ 1 Crore life cover for a 26 year old healthy Male for a policy
term of 58 years with lump sum payout option. The annual premium for 5 years
Limited Pay option will be ₹ 85,762 & the monthly premium will be ₹ 7,324. The
premium amounts are inclusive of taxes.
λLife cover is the death benefit payable on 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.
1† 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.
ICICI Pru iProtect Return of Premium(UIN: 105N186V01), A Non-Linked,
Non-Participating Individual Life insurance Savings product. W/II/4644/2021-22
† Return of Premiums: 'Return of Premium' is available under three of the plan
options namely- “Return of Premium"; “Return of Premium with Life-stage cover"
and “Early return of Premium with Life-stage cover" and refers to 105% of total
of all premiums received, excluding premiums for optional benefits i.e.
Accidental Death Benefit, Critical Illness Benefit, any extra premium, any rider
premium and taxes, if any. The fourth plan option "Income Benefit" provides
regular monthly income from the policy anniversary after the Life Assured
attains age 60 as a survival benefit till the end of the policy term.
$*Critical Illness Benefit: CI Benefit is an additional optional benefit chosen
at inception and is available with ‘Life and health’ and ‘All in One’ benefit
options. The CI Sum Assured is paid as a lump sum upon the Life Assured being
diagnosed on 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
‘`` The above calculations are for a 25 year old healthy male who has opted for
Regular pay: 40 years premium payment option with a policy term of 40 years
under Return of premium option for ICICI Pru iProtect Return of premium with a
life cover of ₹ 50 lakh with Lump-sum payout option. The above premiums are
inclusive of taxes.
^Critical Illness Benefit is optional and available under Life and Health and
All in One options. This benefit is payable, on first occurrence of any of the
34 illnesses covered. The CI Benefit, is accelerated and not an additional
benefit which means the policy will continue with the Death Benefit reduced by
the extent of the CI Benefit paid. The future premiums payable under the policy
will reduce proportionately. If CI Benefit paid is equal to the Death Benefit,
the policy will terminate on payment of the CI Benefit. To know more in detail
about CI Benefit, terms & conditions governing it, kindly refer to sales
brochure. Critical Illness benefit is available till age of 75.
## The premium of ₹441 p.m. has been approximately calculated for a 18 year old
healthy male life with a monthly mode of payment and premiums paid regularly for
the policy term of 18 years with income payout option with Life Cover of ₹1
crore. Goods and Services tax and/or applicable cesses (if any) as per
applicable rates will be charged extra
^^Available only under Life Plus and All in One option. Maximum amount that can
be availed is `2 Crore and will be paid as a lump sum.
++ A lump sum is paid out on diagnosis of any of the listed conditions. This
payout is based on the level of the condition. In any case, the total payout in
the policy cannot exceed 100% of the Sum Assured of the cover selected. Please
refer to the sales brochure to know about the payouts at different level of
condition
`Tax benefits under the policy are subject to conditions under Section 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 details, before acting on above.
*`Benefits from 2nd year onwards is available under the Early Income plan
option.
~Subject to realization of payment and documents. Policy can be purchased in 3
steps: 1. Generating premium quote 2. Filling basic details and answering health
related questions 3. Premium payment
~*Additional Maturity Benefit is offered for online sales: For Lump Sum Plan
option, 2.5% of Sum Assured on Maturity is applicable for Limited pay. In case
of Single Pay in Lump Sum Plan option, 1% of Sum Assured on Maturity is
applicable. For Income Plan option, 2.5% of Guaranteed Income is applicable. For
Early Income Plan option, 3.5% of Guaranteed Income is applicable. For Single
Pay Income Plan option, 1% of Guaranteed Early Income is applicable
+ 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 - 105N151V06. ICICI Pru Signature -
105L177V03. ICICI Pru Guaranteed Pension Plan - 105N181V02. ICICI Pru Guaranteed
Income For Tomorrow - 105N182V02.
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 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 ₹ 5,824 p.a (inclusive of all taxes)
3Refer the product brochures for the definitions, exclusions and other terms and
conditions applicable for Permanent Disability due to accident and Terminal
Illness.
424*7 buying assistance available through our digital assistant Ligo.
5Day 1 is counted from the day of receiving the last document. One day claim
settlement applicable only if all due premiums in the policy have been paid and
the policy has been active for a continuous period 3 years, total claim amount
should not exceed 1.5 crore and claim does not require any investigation.
Mandatory documents need to be submitted at Branch Office before 3pm on a
working day- Original policy certificate, copy of death certificate by local
authority, 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, Panchanama, Inquest report, Driving license.
Interest will be paid for every day of delay beyond one working day. 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.
65% discount on premium is applicable only for Regular and Limited pay policies.
In case of Single Pay, discount applicable is 2% of Single Premium.
7Only doctor’s certificate confirming diagnosis needs to be submitted. The
benefit is payable only on the fulfillment of the definition of the diagnosed
critical illness.
8 As per currently applicable tax laws, tax benefit of ₹ 54,600 ( ₹ 46,800 u/s
80C and ₹ 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, 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 above.
~#Your annuity is informed to you when you buy the plan and is guaranteed and
unchanged for life.
9This option is available only with Joint Life. Joint life can be either the
spouse, children, parents or siblings.
//Tax benefits under the policy are subject to conditions under Section 80C,
80CCC, 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 details, before acting on above.
" Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years and 10%
for 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)).
!As per Internal Data of policies sold for all products from Apr’21-Dec’21 in
the BOL Channel.
`*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 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 policy term, premium, premium payment term, age and gender.
~~ Guaranteed benefits in the form of lump sum will be payable under Lump Sum
Plan option. Guaranteed benefits in the form of regular income will be payable
under Income Plan option and Early Income Plan option.
`` Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at
highest tax slab rate of 31.20%(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. 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 details, before acting on above.
$ How much life insurance do you really need? -
https://economictimes.indiatimes.com/wealth/insure/how-much-life-insurance-do-you-really-need/articleshow/22065416.cms?from=mdr
$$ Why men often die earlier than women -
https://www.health.harvard.edu/blog/why-men-often-die-earlier-than-women-201602199137
ΘGuaranteed benefits are payable subject to all due premiums being paid and the
policy being in force on the date of maturity.
°The total amount is calculated for a 30-year-old healthy male with a premium
paying term of 10 years paying premiums in monthly mode and income period of 30
years taking income in annual installment under 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 entire policy term opted. Total benefit of ₹ 1,01,34,240 is
calculated by taking the sum of all guaranteed incomes payable over the entire
income duration. COMP/DOC/Dec/2021/3012/7166
*Claim statistics are for FY 2019-20 and is computed basis individual claims
settled over total individual claims for the financial year. For details, refer
to Public Disclosures in our Website. W/II/3484/2018-19.
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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
license.
BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDAI is not involved in activities like selling insurance policies, announcing
bonus or investment of premiums. Public receiving such phone calls are requested
to lodge a police complaint.
irdai cautions public against spurious calls and FICTITIOUS offers