ICICI Prudential Investment Plans

Details of ICICI Prudential Market-Linked Insurance Plans

1. ICICI Pru Signature Plan

   ICICI Pru Signature is a Unit Linked Insurance Plan (ULIP) offered by ICICI Prudential Life Insurance. It is a savings and protection plan that provides you with life cover while also allowing you to grow your wealth through investment in units of various funds.

   Features of ICICI Pru Signature Plan:

   • Provides financial security for your family throughout the policy term.

   • Offers benefits until 99 years of age with a whole life policy option.

   • Allows systematic withdrawals for regular access to funds.

   • Returns mortality and policy administration charges at maturity.

   • Provides potential tax benefits on premiums and benefits received.

2. ICICI Smart Life Plan

   ICICI Pru Smart Life is a Unit Linked Insurance Plan (ULIP) that combines investment and insurance benefits. With a ULIP, a portion of your premium goes towards providing life cover, while the remaining amount is invested in market-linked funds.

   Features of ICICI Pru Smart Life Plan:

   • Partial withdrawals after 5 policy years.

   • Loyalty Additions and Wealth Boosters for long-term holders.

   • Waiver of future premiums on insured's death.

   • Potential tax benefits on premiums and benefits.

   • Choose Fixed or LifeCycle Portfolio Strategy.

3. ICICI Pru1 Wealth Plan

   ICICI Pru1 Wealth Plan is a single premium Unit Linked Insurance Plan (ULIP) offered by ICICI Prudential Life Insurance. The plan offers a wealth booster benefit, which provides additional units at the end of the policy term. 

   Features of ICICI Pru Pru1 Wealth Plan:

   • Continuous life insurance coverage for the entire policy term.

   • Allocate premiums among 11 funds as desired.

   • Switch between funds freely at no cost.

   • Receive a bonus based on your initial premium at policy maturity.

   • Protect policy proceeds for your wife and children under the Married Women's Property Act.

   • Enjoy potential tax advantages on premiums and benefits according to the current Income Tax Act.

4. ICICI Pru LifeTime Classic Plan

   ICICI Pru Life Time Classic is a Unit Linked Insurance Plan (ULIP) that offers a life benefit to your family in case of your death, while also allowing you to invest your money and grow your wealth over time.

   Features of ICICI Pru LifeTime Classic Plan:

   • Pick from 4 portfolio strategies.

   • Receive maturity benefit as lump sum or structured payout.

   • Death benefit for family in case of unfortunate demise.

   • Option to enhance protection level.

   • Wealth Boosters every 5 years from the end of the 10th policy year.

   • Potential tax benefits on premiums and benefits received.

5. ICICI Pru Guaranteed Wealth Protector Plan

   The ICICI Pru Guaranteed Wealth Protector Plan is a Unit Linked Insurance Plan (ULIP) designed to offer the potential for high returns by investing a portion of your money in equity, while also providing the dual assurances of capital protection and life cover.

   Features of ICICI Pru Guaranteed Wealth Protector Plan:

   • Protect savings from market downturns with an Assured Benefit.

   • Pay premiums once or for 5 or 7 years.

   • Earn Loyalty Additions and a Wealth Booster.

   • Enjoy tax benefits on premiums and benefits as per the current Income Tax Act.

6. ICICI Pru EzyGrow Plan

   ICICI Pru EzyGrow is a Unit Linked Insurance Plan (ULIP) offered by ICICI Prudential Life Insurance. ULIPs are a type of investment plan that combines insurance coverage with investment options.

   Features of ICICI Pru EzyGrow Plan:

   • No premium allocation charges.

   • Choose from 4 portfolio strategies

   • Return of Mortality and Policy Administration charges through Maturity Booster to enhance your fund value.

   • Option to receive Maturity Benefit as a lump sum or regular income over 1-5 years.

   • Tax benefits applicable on premiums paid and benefits received, subject to the current Income Tax Act.

7. ICICI Pru Platinum Plan

   ICICI Pru Platinum is a Unit Linked Insurance Plan (ULIP) that offers a wide range of fund choices, unlimited free switches, top-up facility, and Systematic Withdrawal Plan (SWP).

   Features of ICICI Pru Platinum Plan:

   • Grow your wealth with market-linked returns from 22 fund options.

   • Use the Top-up feature to boost savings as per your financial goals.

   • Enjoy market-linked returns to grow wealth.

   • Feel secure with life insurance cover.

   • Optimize tax savings with benefits on premiums and benefits as per the Income Tax Act.

   • Protect your family's future with customizable life cover options.

8. ICICI Pru Gold Plan

   ICICI Pru Gold Plan is a protection and savings oriented participating life insurance plan offered by ICICI Prudential Life Insurance. It means that along with a life cover benefit, it also provides bonuses that are declared by the company.

   Features of ICICI Pru Gold Plan:

   • Life cover up to age 99.

   • Income up to age 99, with immediate or deferred start, combining Guaranteed Income and bonus-linked income.

   • Flexibility to manage income for withdrawals or adjust premiums.

   • Guaranteed boosters every 5 years to enhance savings (Immediate Income with Booster plan variant).

   • Tax benefits on premiums and benefits as per the current Income Tax Act.

9. ICICI Pru Sukh Samruddhi Plan

   ICICI Pru Sukh Samruddhi is a participating savings-oriented life insurance plan offered by ICICI Prudential Life Insurance Company. It is designed to help you grow your savings while providing life cover for your family.

   Features of ICICI Pru Sukh Samruddhi Plan:

   • Financial protection with life cover for loved ones.

   • Option to receive benefits as Income or Lump sum.

   • Flexible premium payment and policy terms for future planning.

   • Choose the income receipt date with 'Save the Date' feature.

   • Accumulate and withdraw income conveniently using 'Savings Wallet'.

   • Tax benefits on premiums and benefits under the current Income Tax Act.

10. ICICI Pru SmartKid Plan

    ICICI Pru SmartKid Plan is a Unit Linked Insurance Plan (ULIP) offered by ICICI Prudential that is designed to help you save for your child's future. It combines insurance coverage with investment potential, aiming to provide a financial benefit for your child at a crucial life stage.

    Features of ICICI Pru SmartKid Plan:

    • Lump sum payment of Sum Assured and future premiums covered in parent's death.

    • Development Allowance: Annual financial support for the child after the parent's death.

    • Funds allocated for the child's education expenses.

    • Optional rider for accident and disability protection.

    • Tax benefits on premiums under the Income Tax Act, 1961.

11. ICICI Pru Traditional Savings Plans

    ICICI Pru Traditional Savings Plans, also known as ICICI guaranteed return plan, are a type of life insurance policy that offers guaranteed returns along with death benefits.

    ICICI Life Traditional Plans	Entry Age	Maturity Age	Policy Term	Minimum Sum Assured
    ICICI Pru GIFT Pro Plan	18 - 60 years	18 - 75 years	8 - 17 years	₹ 3.5 lakhs
    ICICI Guaranteed Income for Tomorrow Plan	18 - 60 years	18 - 80 years	10/ 12/ 15/ 16/ 20 years	7/ 10 X Annualised Premium
    ICICI Pru Savings Suraksha Plan	0 - 60 years	18 - 70 years	10 - 30 years	7/ 10 X Annualised Premium
    ICICI Pru Assured Savings Insurance Plan	8 - 60 years	18 - 72 years	10/ 12/ 15/ 16/ 20 years	Total premiums paid + GA*; OR 105% of total premiums paid
    ICICI Pru Future Perfect Plan	1 - 58 years	18 - 70 years	10 - 30 years	₹ 84,000
    ICICI Pru Gold Pension Savings Plan	18 - 70 years	40 - 80 years	10 - 40 years	Total premiums paid + GA*; OR 105% of total premiums paid
    ICICI Pru Guaranteed Pension Plan Flexi	40 - 70 years	Deferment: 5 - 15 years	–	Total premiums paid + GA*; OR 105% of total premiums paid
    ICICI Pru Guaranteed Pension Plan	30 - 70 years	–	–	Total premiums paid + GA*; OR 105% of total premiums paid
    ICICI Pru Saral Pension	40 - 80 years	–	–	101% of total premiums paid
    ICICI Pru Easy Retirement SP	18 - 80 years	30 - 90 years	10/ 15/ 20/ 25/ 30 years	101% of total premiums paid
    ICICI Pru Easy Retirement Plan	18 -70 years	30 - 80 years	10/ 15/ 20/ 25/ 30 years	101% of total premiums paid

    *GA: Guaranteed Additions