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ICICI Prudential Life Insurance Company India

ICICI Prudential Life Insurance Company Limited is joint venture between ICICI Bank Limited and Prudential Corporation Holdings Limited. ICICI Company is the first private life insurance company in India has received a National Insurer Financial Strength of AAA. This is a leading international financial services group headquartered in the UK. ICICI Prudential Company has consistently been top most company in the Indian Life Insurance Sector.

ICICI Company started operations with mark of 100000 policies and now it crossed the mark of 5 million policies, Total premium of 100 billion, and crossed 250 billion of assets under management. To build a surviving association that serves the protection and long-term saving needs of customers. The company first and foremost priorities are keep customers at the center of everything, humility, No boundaries to support.

Every family need in their life is to get happy life throughout their life span to secure and financial stability from younger ones who are earning. With life insurance you can guarantee them with best life insurance plans. From ICICI Prudential Life Insurance Company provides you with wide range of Term Insurance Plans, Health Insurance Plans, Unit Linked Insurance Plans, Traditional Savings/Money Back Plans, Retirement Plans, Riders, Group Plans, and Rural Plans.

Why Choose ICICI Prudential Life Insurance?

  • Waiver of Premium on Permanent Disability: In case if you are diagnosed with any disability occurred due to accident becomes burden to pay the charges. The future premiums get waived off while your policy cover stays perfect.
  • Coverage: Coverage of life cover till 99 years at affordable premiums when your family is not around will cover up the financial security to you.
  • Critical Illness Cover: When policyholder diagnosed with cancer, heart attack and kidney failure, etc. These will cost your expenses with complete coverage after your first diagnosis. This ICICI Prudential Life Insurance covers 34 critical illness covers.
  • Claim Settlement: The customer support claims are settled within 24 hours and get hassle-free experience.
  • 100% Coverage Payout: In case policyholder spot with terminal illness can get 100% coverage amount.
  • Tax Benefit: According to section 80c and 10(10d) of tax benefits eligible for premium paid and received benefits.

Types of ICICI Prudential Life Insurance Plans & Policies:

A life insurance policy provides financial security for your family in case of uncertainties. It can also offer maturity benefits on surviving the term and be used to save for your future needs. In return for this pay out, you make periodic payments to the life insurance company. In some types of policies, there is also an option to get critical illness benefits or create additional protection for your family if you demise from an accident.

1.) Term Insurance Plans:

Term insurance is a type of life insurance that provides coverage for a specific period of time or years. Anyone with financial insecurities should buy a Term Insurance Policy. This includes married couples, parents, business people and self-employed, SIP investors, young professionals with dependent parents, and in some cases, even retirement people.

Term Plans What is it? Age of Entry Annual Premium Benefits
ICICI Pru iProtect Smart Term Plan This plan gives protection for your family and critical illness cover. Life cover up to 99 years and policy term starts from 40 years. 25 years Rs. 2,400 Lifelong Cover at affordable rates, 34 critical illness covers with cash pay-out up to Rs. 1 crore, and accidental death benefit up to 2 crore.
ICICI Prudential SARAL JEEVAN BIMA Plan This plan is to cover your family with financial protection after your death. 18 years Based on single pay, regular pay, and limited pay/ yearly, half yearly, and monthly. Life covers to secure your family and get tax benefits.
ICICI Prudential iCare II Plan This plan is to cover your family with financial protection after your death. 18 years Rs 2,400, can pay once or regular policy period. Life covers to secure your family in your absence and get tax benefits.
ICICI Prudential PRECIOUS LIFE Plan This plan provides death benefit + accident death benefit cover. 18 years Rs. 2,400 and Based on single pay, regular pay, and limited pay/ yearly, half yearly, and monthly. Individual covers accidental death benefit with sum assured 2, 00,000. Wide coverage, enhanced protection, and flexibility.
ICICI Prudential Life Raksha Plan Protect your family and provide them with a lump sum amount to meet immediate liabilities that may arise in your absence. 18 years Based on single pay, regular pay, and limited pay/ yearly, half yearly, and monthly. Policy lasts for 5 years, premium amount depend on your age and life cover, and Maturity Benefit.
ICICI Prudential POS iProtect Smart Plan This plan is to protect life cover, accidental death benefit, and tax benefit. Policy term: 5 years. 18 years Rs. 2,400 and Based on single pay, regular pay, and limited pay/ yearly, half yearly, and monthly. Additional accidental death benefit, flexibility
ICICI Prudential POS Life Raksha Plan This plan covers your family without medical tests and provides them with lump sum amount with certain liabilities in your absence. 18 years Rs. 2,400 Policy lasts for 5 years, premium amount depend on your age and life cover, Maturity, and death benefit.
ICICI Prudential Loan Protect Plan This plan is a non-participating term insurance plan provides life cover to individual has taken mortgage or auto loan for any other financial institution. 18 years Rs. 4,860 Life Cover, Death benefit of fixed and reducing cover. Single premium/5 years.
ICICI Prudential Loan Protect Plus Plan This plan is to cover your home loan burden to your family. 18 years Fixed/5 year moratorium period/7 year moratorium period. Single pay /Five pay. Yearly, half-yearly and monthly. Comprehensive benefits, wide range of policy terms, premium payment terms, and tax benefits. Death benefit + accidental critical illness cover.

2.) Health Insurance Plans:

Now-a-days health illnesses like heart attack and cancer. However, the costs effected with recovery could place a huge injure on your finances. To skip these costs, you need a plan that can give you what other traditional health plans may not provide lump sum insurance pay out on detection without any medical bills. This cash pay-out can help to pay for your medical costs and can also ensure that your income never stops.

ICICI Prudential Heart/Cancer Protect Health Plan:

Entry Age Policy Term Premium Sum Assured Premium Payment
30 years 20 years Rs. 2,357 Rs. 40 lakhs based on stage of cancer Monthly, quarterly, half-yearly and yearly.
Benefits:
  • Affordable Coverage: Get Health Insurance cover for heart and cancer up to 20 lakh at less than 160 per month.
  • Waiver of Premium: Minor/Major claim or diagnosis of permanent disability due to accident.
  • Minor pay-out: Get covered minor conditions up to 25% of sum assured on diagnosis.
  • Family Benefit: At first year premium get 5% discount when buying health cover for you and your spouse.
  • Income Benefit: Get 1% of the sum assured as additional income for 5 years on diagnosed.
  • Increasing Cover: Get 10% increase in cover for every no-claim policy year.

3.) Unit Linked Insurance Plans:

Unit Linked Insurance Plans is an insurance product that combines insurance and investment benefits in a single plan. ULIP offers life cover which is a major benefit over the traditional wealth creation tools. It not only helps your money grow but also protects your loved ones future from life's unexpected turns.

ULIP Plans What is it? Age of Entry Annual Premium Benefits
ICICI Prudential Signature Online Plan This plan offers life insurance and flexible investment in this plan. It is savings plan that can give you returns and give security to family. 45 years Rs. 30,000 Return of mortality and policy administration charges. Policy benefits till 99 years of age with whole life policy term and can withdraw money regularly from your policy.
ICICI Prudential Signature Plan This plan offers life insurance and flexible investment in this plan. It is savings plan that can give you returns and give security to family. Can add ICICI Pru ULIP death rider. 45 years Rs. 1, 00, 000 Return of mortality and policy administration charges. Policy benefits till 99 years of age with whole life policy term and can withdraw money systematically from your policy.
ICICI Pru1wealth Plan This plan protects your family life cover get tax benefits on premium paid. Wealth boosters, life cover, single premium. 30 years Rs 1, 00, 000 100% amount invested in wide range of mutual funds, multiple funds, 10 times life cover to protect your loved ones.
ICICI Prudential life Time Classic Plan This plan achieves your financial goals with growth of equity, debt and balanced funds along with life cover. 18 years Rs. 30,000 to 46, 800 Life cover, loyalty additions & wealth boosters by investing in the plan. Policy term from 10 - 25 years depend on your age and premium.
ICICI Prudential Guaranteed Wealth Protector Plan This plan achieves your dreams with better returns. Pay premiums in 5 / 7 pay. 8 years Rs. 24, 000 and five pay, seven pay. No risk to capital 101% money back, Wealth boosters and loyalty additions for staying invested for policy term.
ICICI Prudential Smart Life Plan This plan gives security your family future with wealth creation in your absence. 20 to 49 years Rs. 45, 000 Comprehensive protection, premium waiver benefit, life cover, loyalty additions & wealth boosters.
ICICI Prudential Smart Kid Plan This plan provides security financial in future education, illness, and long-term goals. Rs. 45, 000 based on yearly, half-yearly, or monthly. Fund expenses can withdrawal any time after completion of 5 policy years.
ICICI Prudential Smart Couple Plan This plan covers the family needs as gives financial security cover to you or spouse in anyone absence. Rs. 45, 000 and policy term 10 years for single pay, regular and limited pay. Wealth boosters and loyalty additions for long term investments. Security of your loved ones with premium waived.

4.) Traditional Savings/Money Back Plans:

Money Back Plans What is it? Age of Entry Annual Premium Benefits
ICICI Prudential Guaranteed Income For Tomorrow Plan This plan protects and savings oriented term life insurance plan with benefits to help you achieve your life goals. 18 years Sum assured: Rs. 2 Lakh and based on single pay, regular pay. Benefits with regular income to achieve your life goals, financial security of your family & loyalty, and tax benefits.
ICICI Prudential Cash Advantage Plan This plan offers regular additional income for life. 1 to 60 years For 5 pay: 30, 000 7 pay: 18, 000, and for 10 pay: 12, 000. Policy lasts for 15/17/20 years. Family financial protection through life covers and tax benefits.
ICICI Prudential Savings Suraksha Plan This plan offers your savings the opportunity to grow while enjoying the benefits of guaranteed returns. 0 - 60 years Rs 12, 000 based on 5/7/10 or 12 years. Maturity benefit, reversionary & terminal bonus, and tax benefits.
ICICI Prudential Assured Savings Insurance Plan This plan protects your family and secures their dreams with growth in wealth. 8 - 60 years Rs. 2,500 p.m. based monthly/half yearly/annually. Pay premium for either 5/7 years. Grow wealth with guaranteed maturity benefits, additional benefits with 9% to 10% every year, and tax benefits available.
ICICI Prudential Future Perfect Plan This plan gets dual assurance of guaranteed benefits and life cover while complementing your investment with bonuses that offer higher returns. 3 - 70 years Rs. 12, 000 based on 5/7/10/15/20 years. Reversionary and terminal bonus on maturity of plan. Tax benefits and with policy term of 10 to 30 years.
ICICI Prudential LAKSHYA Plan This plan is designed to grow your wealth and protecting your money. 20/40 years based on policy term Rs. 12, 000 Based on 5,7,10, or 12 years. Get lump sum on maturity protection throughout the policy term, and tax benefits received as per prevailing tax laws.
ICICI Prudential LAKSHYA Lifelong Income Plan ICICI Prudential LAKSHYA Lifelong Income Plan 20 to 40 years Rs. 30, 000 based on 10/12/15 years Regular income till 99 years of age to secure your family’s future.

5.) Retirement Plans:

Retirement Plans What is it? Age of Entry Annual Premium Benefits
ICICI Prudential Easy Retirement Plan This plan provides regular income with potential growth of equity and debt funds. 18 years Rs. 48,000 based on 5, 10, 15, 20, 25, or 30 years. Build your retirement bulk, Assured benefit through market downturns, and increase your investment through top-ups.
ICICI Prudential Guaranteed pension Plan – Deferred Annuity This deferred annuity plan slow income up to 10 years. Get back your purchase price on diagnosis of a critical illness or permanent disability due to accident. 30 years Rs. 1000 p.m. and Monthly, quarterly, and half-yearly. Current interest rates for the annuity can cover either single or joint life, flexible pay out.
ICICI Prudential Guaranteed pension Plan – Immediate Annuity This plan gives guaranteed income for life immediately and gets back your purchase price in your survival years. 30 years Rs. 1000 p.m. and Monthly, quarterly, and half-yearly. Current interest rates for the annuity can cover either single or joint life, flexible pay out. Purchase annuities from your savings.
ICICI Prudential Easy Retirement SP Plan This plan invested in equity linked growth while providing a safety net of capital protection. 18 years Rs. 48, 000 based on policy term of 10, 15, 20, 25 or 30 years, and premium payment once and regular period. Protect your savings from market downturns through an assured benefit. Pay premium only once and get regular pension post retirement.
ICICI Prudential Saral Pension Plan Get guaranteed income for life immediately with single life or joint life. 18 years Rs. 1000 p.m. based on monthly; quarter, half-year or year. Lifelong income by just paying once, continue pension for spouse after you with the joint life, and avail a loan against your policy.

6.) Group Plans:

Group Plans What is it? Benefits
ICICI Pru Group Term Plus Plan This plan ensures financial security of your employees or members with a life cover. Get affordable premium costs and tax benefits. Employer – Employer groups and Non-employee- employer groups.
ICICI Prudential Group Loan Secure Plan This plan help employees lead an independent post – retirement life with this plan, which offers regular income for life. Pay premium with Rs. 5000 up to 75 years and a comprehensive plan which offers death, terminal illness, accidental death and disability covers.
ICICI Prudential Group Insurance Scheme for Pradhan Mantri Jeevan Jyoti Bima Yojana Plan The government of India introduced PMJJBY as a low premium insurance scheme at age group of 18 to 50 years.
ICICI Prudential Shubh Raksha Credit Plan This plan has minimum life cover of Rs. 1000 and premium be paid only once at time of purchase Individual covers accidental death benefit with sum assured 2, 00,000. Wide coverage, enhanced protection, and flexibility.
ICICI Prudential Super Protect – Credit Plan Minimum life cover of 5000 with premium paid only once. Policy protection offers loan and coverage to suit needs of customers.
ICICI Prudential Group Suraksha Plan This plan has minimum group size of 10 members, annually renewable policy. Helps trust and organisation to manage funds based group benefits and post-retirement medical or leave encashment schemes.
ICICI Prudential Group Suraksha Plus Superannuation Plan This plan has minimum group size of 10 members, annually renewable policy. Provides an option to manage defined benefit and defined contribution schemes.

7.) Rural Plans:

Rural Plans What is it? Age of Entry Annual Premium Benefits
ICICI Prudential Sarv Jana Suraksha Micro Insurance Plan This plan protects your loved ones with financial security due to uncertain things at an affordable low cost. 45 years Rs. 50 p.a and regular premium pay out regularly throughout policy period and policy lasts for 5 years. Protection at an affordable cost, security of your loved ones future even in your absence.
ICICI Prudential Anmol Bachat Plan This plan protects and grows your savings and provides you a life cover. 18 years Rs. 2, 400 based on 1/5/7/10 years. Savings with comfort of guarantees, protection at affordable cost, flexibility of payment, and tax benefits.

8.) Riders:

Add-ons What is it? Premium Benefits
ICICI Prudential Corona Protect Rider Plan This plan covers you with hospital charges due to covid-19 and tax benefits and one-time premium. Get 25% of rider sum assured on hospitalization for minimum 72 hours. Life insurance offers death and add-on corona protect rider available.
ICICI Prudential Corona Protect plus Rider Plan This plan covers you with hospital charges due to covid-19 and tax benefits and one-time premium. Get 25% of rider sum assured on hospitalization for minimum 72 hours. Life insurance covers death and add-on corona protect rider available + Pru Lifetime classic.

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