ICICI Prudential Investment Plans
ICICI Prudential Investment Plans
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  • Long - Term Protection
  • Tax Benefits Under 80C
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ICICI Prudential Investment Plans

ICICI Prudential Life Insurance is a renowned life insurance company in India. The platform offers great investment options that cater to the multiple needs of customers. ICICI Prudential Investment Plans secure your lives and allows you to build a corpus for the future. A few of the plans provide a stream of regular income throughout the policy tenure. There are many more benefits that you can avail of by choosing ICICI Prudential Investment Plans. Check below-mentioned ICICI Prudential Investment Plans to get complete details.

Types of ICICI Prudential Investment Plans

1. ICICI Pru Cash Advantage

ICICI Pru Cash Advantage is a non-linked participating life individual savings product. It is a 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

  • Liquidity: The plan will start offering payout immediately once the premium payment term ends.
  • Guaranteed Benefit: ICICI Pru Cash Advantage provides guaranteed cash benefits every month throughout the policy tenure of 10 years. The guaranteed cash benefit is equal to the 1 percent of guaranteed maturity benefit.
  • Protection: Along with the cash benefits, this ICICI investment plan ensures to provide complete protection against different uncertainties of life.
  • Limited Premium Payment Term: The plan comes out with premium payment flexibility. There are multiple premium payment options available such as 5, 7 or 10 years.
  • Tax Benefits: The plan allows you to grab tax benefits on your investment. It will be applied to premiums paid and benefits received as per the income tax law.

Eligibility

Entry age1- 60 years
Premium payment term 5,7 or 10 years
Min/max-age at maturity18/80 years
Premium payment modeAnnual, half-yearly/monthly
Payout term10 years

2. ICICI Pru Saving Suraksha

ICICI Pru Saving Suraksha is an ideal investment product that offers the benefits of saving and protection. This plan is designed to meet the growing needs of customers. It does offer the required financial assistance at different stages of life. This ICICI investment plan is great to protect your loved ones and create wealth.

Key features

  • Protection: Along with multiple guaranteed benefits, the plan provides life cover for the entire policy tenure.
  • Savings With Guaranteed Benefits: The plan allows you to save more with guaranteed benefits such as guaranteed maturity benefits, terminal bonuses, vested reversionary bonuses, and guaranteed additions among others.
  • Maturity Benefits: On survival, till the end of the policy tenure, the insured will receive guaranteed maturity benefits.
  • Death Benefits: In an 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.
  • Tax Benefits: The plan offers tax benefits as per the income tax law. With the same, you will be able to save more.

Eligibility

Entry age0- 60 years
Premium paying modeAnnual / half-yearly / monthly
Maturity age 18-70 years
Policy term (years)10-30 years
Premium payment termLimited pay: 5, 7 or 10 years
Regular pay: Policy tenure

3. ICICI Pru Assured Savings Insurance Plan

ICICI Pru Assured Savings Insurance Plan is one of the most preferred plans for your next investment. It is a saving cum protection plan that offers assured benefits along with long term protection. The plan allows you to fulfill your non-negotiable goals. It will help your family in dealing with the financial crisis in case of your demise.

Key features

  • Guaranteed Additions: 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.
  • Flexibility: 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.
  • Guaranteed Maturity Benefits: At the end of the policy tenure, a mandatory lump sum amount payable as a maturity benefit.
  • Protection: With this saving cum protection plan, you are entitled to receive life cover for the entire policy tenure.
  • Tax Advantage: Tax benefits apply to premiums paid and benefits that you will receive as per prevailing tax laws.

Eligibility

Entry age3- 60 years
Premium payment modeAnnual / half-yearly / monthly
Maturity age 18-72 years
Policy term10-15 years
Minimum annual premium30000

4. ICICI Pru Future Perfect

ICICI Pru Future Perfect is a non-linked participating life individual savings product. It provides a safe journey towards a rising future. With the saving and protection feature, the plan allows you to achieve all your financial goals. It will provide a secure future for your children, a dream vacation, and a peaceful retirement.

Key features

  • Savings With Assured Benefits: A bunch of benefits is payable at the time of maturity along with life protection throughout the policy tenure.
  • Convenient: The plan allows you to choose premium payment term, premium payment frequency, sum assured on death and policy tenure as per your convenience.
  • Long - Term Protection: With this insurance plan, you will get life insurance cover for the entire policy tenure. It provides security to your loved ones.
  • Bonus: On maturity, avail terminal and reversionary bonus, if any.
  • Tax Benefits: By investing in this ICICI investment plan, you are liable to receive tax benefits as per the income tax laws of India.

Eligibility

Entry age91 days to 58 years
Maturity age18-70 years
Minimum annual premium8400
Premium paying frequencyAnnual / half-yearly / monthly
Minimum basic sum assured on death84000

5. ICICI Pru Lakshya Wealth

ICICI Pru Lakshya Wealth is a non-linked participating life insurance plan. It is a special plan designed to fulfill your dreams, grow your wealth with the promise of securing your money. It provides guaranteed benefits and bonuses throughout the policy tenure.

Key features

  • Lump-sum Benefit: Under this ICICI investment plan, you will receive a lump-sum amount on maturity which will help you in achieving your dreams.
  • Capital Protection: The plan offers guaranteed capital protection along with sum assured on maturity.
  • Guaranteed Benefits: Avail guaranteed value benefits on investing early, choosing high benefit and a long term plan. It offers exclusive benefits to women investors.
  • Bonuses: It offers multiple benefits in the form of regular additions, terminal bonus and much more. It offers several opportunities to grow your wealth.
  • Protection: The plan offers comprehensive life insurance cover throughout the policy tenure which secures your family’s future.
  • Tax Benefits: According to the Indian income-tax laws, you will get tax benefits on investing in ICICI Pru Lakshya Wealth.

Eligibility

Entry age3 - 50 years
Death benefitHIgher of sum assured or total premium
Policy Term (PT) in years12- 30 years
Maturity70 years
Maturity BenefitSum assured on maturity + applicable guaranteed value benefits + accrued regular additions net of encashment if any + terminal bonus.
BonusesRegular additions and terminal bonus
IncomeFixed number of years
Life coverThroughout the policy tenure

6. ICICI Pru Lakshya Lifelong Income

The plan is specially designed to provide the required assistance until the age of 99 years. A protection cum savings plan that helps you to attain your financial dreams along with protection. The plan provides a guaranteed income and cash bonuses. It ensures a comfortable and secure life.

Key features

  • Regular Income: Once the income date starts, you will become liable to receive a guaranteed income and cash bonus until the age of 99 years.
  • Guaranteed Capital Protection: The plan offers guaranteed protection in the form of sum assured. You can avail of it on maturity.
  • Regular Additions: Get bonuses in the form of regular additions every year. It will assist you to grow your wealth till the income starts.
  • Life Insurance Cover: 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.
  • Liquidity: The plan provides liquidity benefits that will help you in case of any financial emergency.
  • Tax Benefits: Avail tax benefits on premiums paid and benefits received under the Income Tax Act, 1961.

Eligibility

Min Age at Entry (in years)0
Death benefitHigher of -
- Sum assured on death + bonuses
- 105% of total premiums paid as on the date of death
Maturity BenefitSum assured on maturity + terminal bonus
Premium Payment OptionLimited
Premium payment modeAnnual, half-yearly, monthly
Sum Assured on DeathHigher of (10 times annualized premium or PPT X annualized premium)

Why ICICI Prudential Investment Plans?

ICICI Prudential is one of the most trusted organizations when it comes to investing. With a wide range of investment plans, the company ensures to deliver best at pocket-friendly prices. ICICI Prudential Investment Plans allows customers to avail of the benefits of savings and protection plans. It offers plans to cater to different needs of the customers, whether it is about a long term saving plan or protection along with investment. The company designed all its plans in a way which can meet the growing needs of customers and can help them in every required stage of life. Get bonuses, regular income, assured benefits, long term protection and a lot more with ICICI Prudential Investment Plans. It is a preferred platform to invest and grow well.

ICICI Prudential Investment Plans: 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 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 maturity benefit to you. The sum of maturity benefit varies from plan to plan.

Last updated on 19-08-2020