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ICICI Prudential Future Perfect
Build wealth, secure dreams: The ICICI Prudential Future Perfect Plan helps you achieve a brighter future. Savings alone won't make your dreams come t...
Unique Features
- Guaranteed Additions
- Flexible PPT
- Cash Bonuses
ICICI Prudential
ICICI Prudential
ICICI Prudential Investment Plans help an individual to build a financial corpus for a child's marriage or schooling, ...Read More
Minimum Age - 5 year
Claim settlement ratio
Rs 50,000 to No limit
Annual Premium
5
Active plans
80 years
Solvency ratio
🛡️ IRDAI Approved
⭐ 4.6/5 · 921 reviews
✅ Minimum Age - 5 year claim settlement ratio
📊 80 years solvency ratio
🌐 Annual, half-yearly, pan-India
What you get with ICICI Prudential
The headline features and policy mechanics, at a glance.
Annual Premium Rs 50,000 to No limit
Affordable premium options starting from entry-level to comprehensive whole-life protection.
Minimum Age - 5 year claim settlement ratio
Industry-leading approval rate on eligible life insurance claims in the most recent fiscal year.
80 years solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
5 active life plans
Choose from level cover, increasing cover, and return-of-premium variants.
Annual, half-yearly, pan-India presence
Branch offices and claim service centres across India for easy policy servicing.
ICICI Prudential Investment Plans: Overview
ICICI Prudential Life Insurance provides a wide variety of ICICI Investment plans. One such insurance product offered by the company is its savings and money-back investment plans, catering to the multiple needs of customers. Investment plans like ICICI Pru Savings Suraksha, ICICI Pru Signature, ICICI Pru Smart Kid, and more are designed to give you calculated financial planning.
ICICI Prudential Savings Plans help you secure your life and allow you to build a financially independent future. ICICI Prudential Investment Plans help individuals build a financial corpus for a child's marriage or schooling, or for retirement. ICICI Investment Plans help people invest in plans that give larger returns and allow them to secure their future.
ICICI Prudential is among the most dominant players in India's insurance sector, having begun its operations in 2001. ICICI Prudential laid its foundation with the value of customer-centricity, offering long-term savings and protection products to meet the different life stage requirements of customers.
ICICI Prudential Life Insurance Company Limited (ICICI Prudential Life) is promoted by ICICI Bank Limited and Prudential Corporation Holdings Limited. It has consistently been among the top companies in the Indian Life insurance sector. ICICI Assets Under Management (AUM) on 31st March 2022 were INR 2,404.92 billion.
ICICI Prudential Investment Plans look after your investment needs by offering:
- Regular Savings
- Flexibility of Investment
- Potential for Growth
- Greater Rewards for Staying Invested
Features of ICICI Prudential Life Insurance
Good Solvency Ratio:
ICICI Prudential Life Insurance maintains a healthy solvency ratio, indicating its financial strength and ability to meet long-term obligations.
High Claim Settlement Ratio:
The company has a strong claim settlement record, ensuring timely and efficient processing of claims for policyholders.
Robust Annual Premiums:
ICICI Prudential Life Insurance consistently records substantial annual premiums, reflecting its large customer base and market presence.
Extensive PAN India Presence:
With a wide network of branch offices across India, ICICI Prudential Life ensures accessibility and dedicated support for its customers nationwide.
Benefits of ICICI Prudential Life Investment Plans
There are multiple benefits of ICICI Prudential Life Investment Plans. Read below to understand the plethora of advantages provided by the insurer.
Guaranteed Maturity benefit
ICICI Prudential Life Investment Plans offer guaranteed maturity benefits once the policy matures along with the applicable additions and bonuses.
Choice of Income Option
ICICI Prudential Investment Plans offer you the option to choose between lump sum or regular income.
Flexible Plans
ICICI Prudential Investment Insurance plans offer various coverage options, allowing you to select a plan that meets your needs.
Additional Rider Options
ICICI Prudential Investment Plans allows you to choose additional rider options as per your requirements by paying an additional amount.
Tax Benefits
Tax Benefits can be availed for premium payments of ICICI Prudential Investment plans under the Income Tax Act 1961.
Riders You Can Avail With ICICI Investment Plans
| Name of the Rider | Benefits |
| ICICI Prudential Accidental Death and Disability Rider | This rider provides protection against accidental death and disabilities. You can add this rider to your investment plan. |
Types of ICICI Prudential Plans
Every plan currently being sold by ICICI Prudential, shown side-by-side so you can shortlist quickly.
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ICICI Assured Savings
‘Save smartly with ICICI Pru Assured Savings to get guaranteed returns and life cover’. There's no harm in saving some money for the future. ICICI Pru...
Unique Features
- 9% to 11% Guaranteed Additions
- Guaranteed maturity benefits
- Special Surrender Value (SSV)
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ICICI Prudential Savings Suraksha
'A combination of savings and protection plan.'ICICI Pru Savings Suraksha is a financial plan that helps you save for future financial goals and provi...
Unique Features
- Guaranteed additions
- Multiple premium options
- Additional bonuses
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ICICI Pru Cash Advantage
ICICI Pru Cash Advantage is a non-linked individual life insurance savings plan that offers comprehensive benefits of savings and protection. This pla...
Unique Features
- Guaranteed Cash Benefit
- Life Cover
- Policy Loan
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ICICI Guaranteed Income for Tomorrow
Achieve your life goals with ICICI Pru Guaranteed Income for Tomorrow – secure savings, guaranteed returns, and financial security. ICICI Pru Guarante...
Unique Features
- Discount on Sum Assured
- Guaranteed Additions
- 2 Rider Benefits
Life Plans Comparison
Side-by-side across the 3 most-bought ICICI Prudential plans on PolicyX.
| Feature | ICICI Prudential Future Perfect | ICICI Assured Savings | ICICI Prudential Savings Suraksha |
|---|---|---|---|
| Plan type | Investment Plan | Investment Plan | Investment Plan |
| Sum assured | Minimum sum assured - 84,000 Maximum sum assured - 4 Lakhs | Minimum sum assured - 84,000 Maximum sum assured - 4 Lakhs | 7 to 10 times the annual premium |
| Entry age | Minimum age - 91 days Maximum age - 55 years | Minimum age - 0 years Maximum age - 60 years | Minimum age: 0 years, Maximum age: 60 years |
| Top benefits | Guaranteed Surrender Value · Revive Policy | Special Surrender Value · Guaranteed Benefits | Death benefits · Surrender benefits |
Documents required
For policy purchase and claim submission. Have these ready before you start.
Photo ID Proof
Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.
Age Proof
Age Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.
Address Proof
Address Proof (either of one) - Utility bill, passport, voter ID, ration card.
Medical Records
Medical Records of the policyholder if requested.
Income Proof
Income Proof (either of one) - bank statement, last three months' salary slips (if you are salaried).
How to Buy a ICICI Prudential Plan?
Step-by-step guides for the four key moments in your policy lifecycle. Click a tab to switch.
- Visit the PolicyX.com website or the ICICI Prudential official website to compare and choose a suitable life plan.
- Enter your personal details such as name, date of birth, gender, annual income, and smoking status to get a customised quote.
- Compare plan options — choose your sum assured, policy term, premium payment term, and any optional riders.
- Fill in the proposal form with your contact details, nominee information, and medical history accurately.
- Upload the required documents: identity proof, address proof, income proof, and recent photographs.
- Pay the first premium online via net banking, UPI, debit/credit card, or cheque.
- Complete the medical examination if required (depends on your age and sum assured).
- Receive your policy document via email and registered post after underwriting approval.
- Log in to the ICICI Prudential customer portal or the PolicyX.com dashboard before your policy renewal date.
- Review your existing policy details — coverage, premium amount, and nominee information.
- Choose to continue with the same plan or upgrade your sum assured if eligible.
- Pay the renewal premium online via net banking, UPI, debit/credit card, or cheque.
- Download the renewed policy document from your registered email or the insurer portal.
- Visit the official website of ICICI Prudential Life Insurance Company.
- Click on ‘Plans’ on the navigation bar and select the plan you want to buy.
- Click on the ‘buy now’ button and fill in the required details.
- Tap on 'next' and select a plan as per your requirements.
- Select the cover option you want and make your payment. Once the payment is made, you will get a payment confirmation at your registered email address.
What's covered — and what's not
The standard inclusions and exclusions across ICICI Prudential plans. Specific plans may add benefits — always check the policy wording before purchase.
✗ Exclusions
- If a policyholder commits suicide during the first 12 months after obtaining the insurance, the nominee receives no death benefit. They receive just the premiums paid up to the date of the incident or the policy's surrender value, whichever is greater.
Conclusion
In conclusion, ICICI Prudential Life Insurance offers a range of flexible, customer-centric investment plans tailored to meet various financial needs and life goals. With its strong digital presence, best claim settlement record, and diverse product portfolio, ICICI Prudential Life stands out as a trusted partner for securing one's financial future. For more info related to ICICI Prudential Life Investment Plans, you can contact Policyx.com 24/7. Our trusted insurance experts listen to your every unique problem and suggest the best possible solution for you.
Why Choose PolicyX.com?
Don't just take our word for it — check out what our happy customers say about us!
All my claims were rejected for 3 years. Then, I received a text from PolicyX team, who noticed that my claims hadn't been settled. They managed to get my claims settled, totalling ₹4.5 L. I really appreciate the efforts of the PolicyX advisors for their support in settling my claims.
Ravindra SinghI highly appreciate the help of the PolicyX team for settling my claim of Rs. 5 Lakhs with zero deductions. I took a policy online from them in March 2024. As a customer, it's been a great experience throughout the process.
Priti VarshneyI'm very satisfied because my claim of over ₹2 L has been settled as a result of your team effort. However, I was very upset with the insurer, who delayed the claim for almost 2 months. But with your support and interaction, the claim was settled within 30 days & I appreciate it a lot.
Nisha MaryI bought my health policy from PolicyX, and so far, it's been a very pleasant experience with the team. I really appreciate the help for renewing my health policy. I look forward to continuing my relationship with PolicyX and recommend it to everyone.
Ajay ShahPolicyX has been a savior during a medical emergency in my family recently. My wife was admitted in the hospital, and the insurance company declined my claim request. The PolicyX team handled the situation very well and I received the claim right on time.
Vijay RathodI purchased a health plan for the very first time and the support by PolicyX is commendable. They helped me with the paperwork, explained the policy details to me with patience and supported me at every step of policy buying. A big thanks to you guys.
Uma MahajanFrequently asked questions
The 10 most-asked questions about ICICI Prudential, answered.
In case you misplace your investment documents, you may request a copy by visiting the nearest ICICI Prudential Life Insurance branch.
The policyholder loses out on all of the benefits of the plan. After discontinuance of the coverage, it cannot be withdrawn. The policyholder would get hold of the invested amount.
Yes, you are allowed to stop your ICICI Investment Plan by filing a surrender request. The charges of the same may vary from plan to plan. In case you surrender your policy, you will be entitled to receive a surrender value that would be equal to your fund value.
Yes, you can. However, when you are choosing a minor as your nominee, you have to appoint an appointee also.
The option of receiving maturity benefit in the form of equal annual pay-outs over a fixed tenure of five years is known as the settlement option.
Cover Cessation Date which is also known as the date of maturity is the date on which your plan ends. On this date, the plan will pay the maturity benefit to you. The sum of maturity benefits varies from plan to plan.
There are certain factors that may help you in choosing an investment plan. The few factors that one should consider before investing in ICICI Investment Plans are: Determine your Monetary goals Evaluate your current expenses Future expenses that may arise Number of dependants Risk assessment
Before you may cancel your coverage, you must retain it for at least three years. You need to fill out a surrender form and submit your insurance document to any ICICI Prudential Life branch. The cancellation procedure will take 30 days, and the surrender value cash will be delivered immediately to your bank account. If you have a single premium policy, then you can terminate it after the first policy year.
Yes, ICICI Investment plans can help you save money on taxes by increasing your overall income and lowering your taxes. Under Section 80C of the Income Tax Act of 1961, the premium paid for a savings insurance plan is tax-free
Anybody who wants a risk-free and assured savings tool can invest in this plan. However, the minimum age of the policyholder must be 0 to 18 years, while the maximum age should be is 60 years.
Customer satisfaction
Aggregate ratings from 921 verified PolicyX customers who bought a ICICI Prudential plan.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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