ICICI Investment Plan

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ICICI Prudential Investment Plans

ICICI Prudential Life Insurance deals in a wide variety of insurance products. One such insurance product offered by the company is its savings and money-back investment plans, catering to the multiple needs of customers. ICICI Prudential Savings Plans helps you to secure your lives and allow you to build a financially independent future. A few of the plans provide a stream of regular income throughout the policy tenure. Check the below-mentioned ICICI Prudential Investment Plans to get complete details.

Investment Plans offered by ICICI Prudential

The company offers a wide range of investment plans, ICICI Prudential Investment Plans allow customers to avail themselves of the benefits of savings and protection plans. The company offers different long-term saving plans or protection plans along with investment.

If you are also looking for such options, find below the investment plan variants offered by ICICI Prudential company.

S.No Plan Name Who Should Buy?
1. ICICI Pru Guaranteed Income For Tomorrow This plan is for customers who are looking for a financial plan that provides guaranteed benefits to help achieve their life goals.
2. ICICI Pru Cash Advantage People looking for a comprehensive financial solution that provides regular cash flow to meet the recurring expenses while building a corpus for the long-term financial goals should consider investing in this plan.
3. ICICI Pru Savings Suraksha This investment plan is for customers who wish to protect their loved ones and create wealth.
4. ICICI Pru Assured Savings Insurance Plan The plan is suitable for customers who wish to get guaranteed savings benefits to meet their non-negotiable goals.
5. ICICI Pru Future Perfect This policy is for customers who want dual assurances of guaranteed benefits and life cover.
6. ICICI Pru Lakshya Wealth This insurance product helps to fullfill the financial needs of the customers by offering guaranteed value benefits.
7. ICICI Pru Lakshya Lifelong Income The plan is designed for people who wish to receive guaranteed income and cash bonus for a longer period in their life.

**Last Updated on August, 2021

Let's learn about these plans in a little more detail. Given below is a summarised overview of all the above-listed plans.

  1. ICICI Pru Guaranteed Income For Tomorrow

    ICICI Pru Guaranteed Income For Tomorrow is a protection and savings-oriented life insurance plan that provides guaranteed benefits to help customers in achieving their life goals. This plan comes with 4 different benefit options i.e.Lump sum, income, early income, and single pay income benefit.

    Key Features:

    • The plan provides fixed life insurance cover to provide financial security to the family members of the policyholder.
    • Guaranteed benefits in the form of a lump sum or regular income are provided within this plan to help customers save funds for their future goals.
    • This plan also provides customers with an option to receive guaranteed income from 2nd year onwards
    • Customers can avail of loan benefits against this policy in case of any financial emergency.

    Eligibility Criteria:

    Plan option Lumpsum Option Income Option Early Income Single Pay Income
    Premium payment mode Single Pay, Annual, Half-Yearly, Monthly
    Minimum entry age 18 minus policy term
    Minimum maturity age 18 years
    Maximum entry age 60 years 60 years 60 years For sum
    assured on death:
    10X: 45 years
    1.25X: 60 years
    Maximum maturity age 80 years 71 years 71 years For Sum
    Assured on Death:
    10X: 55 years
    1.25X: 70 years

    **Last Updated on August, 2021

  2. ICICI Pru Cash Advantage

    ICICI Pru Cash Advantage is a non-linked participating life individual saving cum protection plan. The plan provides a guaranteed amount every month for 10 years, maturity benefits & bonuses along with the life cover which provides the needful financial assistance to your family in case of your demise. This investment plan allows you to fulfill your financial goals.

    Key Features:

    • The plan offers payout immediately once the premium payment term ends.
    • With this plan, guaranteed cash benefits are provided every month throughout the policy tenure of 10 years. The guaranteed cash benefit is equal to the 1 percent of guaranteed maturity benefit.
    • Along with the cash benefits, this ICICI investment plan ensures to provide complete protection against different uncertainties of life.
    • The plan comes out with premium payment flexibility. There are multiple premium payment options available such as 5, 7, or 10 years

    Eligibility criteria:

    Eligibility condition Minimum Maximum
    Entry Age For 5 pay- 3 years
    For 7 pay- 1 year
    For 10 pay- 0 year
    60 years
    Maturity age 18 years 80 years
    Premium payment term 5 years, 7 years, and 10 years
    Premium payment mode Annual/Half-yearly/Monthly
    Payout term 10 years

    **Last Updated on August, 2021

  3. ICICI Pru Savings Suraksha

    ICICI Pru Savings Suraksha is an investment product that offers the benefits of saving and protection. This plan offers financial assistance at different stages of life.

    Key Features:

    • Along with multiple guaranteed benefits, the plan provides life cover for the entire policy tenure.
    • The plan allows customers to save more with guaranteed benefits such as guaranteed maturity benefits, terminal bonus, vested reversionary bonuses, and guaranteed additions among others.
    • On survival, till the end of the policy tenure, the insured will receive guaranteed maturity benefits.
    • In the unfortunate demise of the insured, the family deals with the emotional and financial crisis. To provide the required financial assistance, the plan offers death benefits to the nominee.

    Eligibility Criteria:

    Eligibility condition Minimum Maximum
    Entry Age 0 years 60 years
    Maturity age 18 years 70 years
    Premium paying mode Annual/Half-yearly/Monthly
    Premium payment term Limited pay: 5, 7, 10, or 12 years
    Regular pay: Policy term

    **Last Updated on August, 2021

  4. ICICI Pru Assured Savings Insurance Plan

    ICICI Pru Assured Savings Insurance Plan is a saving cum protection plan that offers assured benefits along with long-term protection. The plan helps your family in dealing with the financial crisis in case of your demise.

    Key Features:

    • At the end of every year, 9% or 10% of the premium of your total premium will be added to the policy benefits. It depends upon the policy term.
    • The plan allows you to choose the premium payment mode as per your own choice. You can choose amongst different available options- monthly, half-yearly, or yearly premium payment mode.
    • At the end of the policy tenure, a mandatory lump sum amount payable as a maturity benefit.
    • With this saving cum protection plan, you are entitled to receive life cover for the entire policy tenure.

    Eligibility Criteria:

    Eligibility condition Minimum Maximum
    Entry Age 3 years 60 years
    Maturity age 18 years 72 years
    Premium paying mode Annual/Half-yearly/Monthly
    Premium payment term 5 years, 7 years, and 10 years

    **Last Updated on August, 2021

  5. ICICI Pru Future Perfect

    ICICI Pru Future Perfect is a savings and protection oriented plan. With the saving and protection feature, the plan helps you to achieve your financial goals. It helps you to have a secure future for your children, a dream vacation, and peaceful retirement.

    Key Features:

    • The plan offers benefits that are payable at the time of maturity along with life protection throughout the policy tenure. These benefits include guaranteed maturity and accrued guaranteed additions.
    • Customers are provided with the ease of choosing the premium payment term, premium payment frequency, sum assured on death and policy tenure as per their convenience.
    • With this insurance plan, the policyholder gets life insurance cover for the entire policy tenure. It provides security to your loved ones.
    • On maturity, customers can avail the terminal and reversionary bonuses, if any.

    Eligibility Criteria:

    Eligibility condition Minimum Maximum
    Entry Age 91 days 58 years
    Maturity age 18 years 70 years
    5-year pay- 60 years
    Premium paying mode Annual/Half-yearly/Monthly
    Premium payment option Limited pay

    **Last Updated on August, 2021

  6. ICICI Pru Lakshya Wealth

    ICICI Pru Lakshya Wealth is a protection and savings-oriented conventional participating life insurance plan. It provides guaranteed benefits and bonuses throughout the policy tenure.

    Key Features:

    • This ICICI investment plan provides 3 payout options and customers have the flexibility to choose from these options at their convenience. The options available are-
      • Lump-sum at policy maturity
      • Income for a limited period
      • Lifelong Income with income till 99 years of age
    • The plan offers guaranteed capital protection along with a sum assured on maturity.
    • Customers can avail of guaranteed value benefits on investing early, choosing high benefits and a long-term plan. It offers exclusive benefits to women investors.
    • This plan also offers multiple benefits in the form of regular additions, terminal bonuses, and much more. It offers several opportunities to grow your wealth.
    • Comprehensive life insurance coverage is provided to the policyholder throughout the policy tenure which helps in securing his/her family's future.

    Eligibility Criteria:

    Eligibility condition Minimum Maximum
    Entry Age 3 years 55 years
    Maturity age 18 years 70 years
    Premium paying mode Annual/Half-yearly/Monthly
    Premium payment option Limited pay

    **Last Updated on August, 2021

  7. ICICI Pru Lakshya Lifelong Income

    The plan provides assistance until the age of 99 years. It is a protection cum savings plan that provides a guaranteed income and cash bonuses.

    Key Features:

    • Once the income date starts, you will become liable to receive a guaranteed income and cash bonuses until the age of 99 years.
    • The plan offers guaranteed protection in the form of sum assured that can be availed on maturity.
    • Get bonuses in the form of regular additions every year. It will assist you to grow your wealth till the income starts.
    • With this insurance cum investment plan, you will receive the life cover till the age of 99 years. It will secure your family's future.
    • The plan provides liquidity benefits that will help you in case of any financial emergency.

    Eligibility Criteria:

    Eligibility condition Minimum Maximum
    Entry Age 0 year 55 years
    Policy term 99 years - Age at entry
    Premium paying mode Annual / Half-yearly / Monthly
    Premium payment option Limited pay

    **Last Updated on August, 2021

How to Buy ICICI Prudential Investment Plans?

Customers can now buy these plans online from the official website of the company. Given below is a step-by-step guide:

  • Visit the website of ICICI Prudential Life Insurance Company.
  • Click on the Plans tab and select Savings Insurance Plans.
  • Select your desired plan and click on 'Buy Online'.
  • Fill in the required details and click on 'Get Your Quote'.
  • Customize the plan according to your needs.
  • Submit the details and upload essential documents.
  • Make the payment using available payment modes.

The company will share the policy documents with you at your registered mail ID. It will also send a hard copy to your address.

Please note that the ICICI Pru Lakshya Lifelong Income plan is not available for the online purchase method. Customers have to visit the nearest ICICI prudential life insurance branch to invest in the same.

In case you face any problems, you can turn to PolicyX.com. Just follow the below steps and buy your policy now:

  • Go to the top of this page and fill a form “Free quotes from top companies”
  • Once done, submit the form
  • The next page will show you the quotes as per your requirements.
  • Choose your ideal plan and pay the premium online. Once the payment is confirmed, you will receive your policy details at your registered email address.

FAQs

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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (28 Total Rating)

September 13, 2021

Anshuman Dami

Bhopal

bought a term plan from icici pru after carefully considereing that covid like situation is imminent. my fam needed protection financially and now they have it

September 13, 2021

Vasundhara

Chandigarh

will be foreever grateful to policyx for helping me settle the claim...really needed all the support in this time

September 9, 2021

Ishan Khatri

Madurai

went to get the death benefits after my husband s recent death...support staff was very nice and helped fasten the process

June 18, 2021

Rohan Kumar

Bengaluru

Thanks to policyx. I called them to compare plans and I get a good guidance about ICICI Pru. This plan helped me a lot in my crisis

May 24, 2021

Umang Singh

Kolkata

I purcharsed iProtect Smart policy from ICICI a year ago and am really satistfied with this one. Policy provides gives many benefits and i have also suggested this policy to my other family members. Good Company friends. You should buy policy from ICICI too.

Last updated on August, 2021

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