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Overview
Build wealth, secure dreams: The ICICI Prudential Future Perfect Plan helps you achieve a brighter future.
Savings alone won't make your dreams come true; you need to grow your money to reach your future goals. An investment plan like ICICI Pru Future Perfect helps grow your wealth with the promise of protecting your money. It is an ideal savings and protection-oriented plan, offering dual assurances of guaranteed benefits and life cover.
In addition, the plan offers investment features that help you build a corpus with bonuses for potentially higher returns. Under the ICICI Pru Future Perfect plan, the insurer pays a cash bonus to the policyholder at the end of each financial year, if declared. You can also choose a premium payment term based on your needs.
ICICI Pru Future Perfect is a versatile savings life insurance plan. It offers a range of benefits, including:
- Guaranteed benefits
- Tax benefits
- Flexibility
- Special surrender value
- Loan benefit
- Life cover
Key Features
The ICICI Pru Future Perfect Plan offers the following key features:
- Cash Bonus: Once you survive the policy term, you'll receive a lump sum maturity benefit, along with Guaranteed Additions and a cash bonus.
- Guaranteed Features: The plan offers two guaranteed features: Guaranteed Maturity Benefit (GMB) and Guaranteed Additions (GA).
- Flexible Premium Payment: Flexible premium payment terms allow you to pay premiums at your convenience.
- Exit Benefit: You can exit your policy at any stage after paying premiums for at least two consecutive years and get Guaranteed Surrender Value.
Benefits of ICICI Pru Future Perfect Plan
There are various benefits to buying the ICICI Pru Future Perfect Plan. Let’s understand each of them in detail:
- Death Benefits: After the policyholder's unfortunate demise during the policy term, the insurance cover amount will be paid to the nominee.
- Policy Loan: Under this policy, you can also take out a loan after the policy obtains a surrender value, but the loan amount should not exceed 80% of the surrender value.
- Surrender Benefit: You can discontinue your policy anytime after paying premiums for two full consecutive years. Policyholders will receive either the guaranteed surrender value, including applicable bonuses and additions, or a special surrender value. Please note that if you surrender your policy before it has acquired a surrender value, no benefits will be payable.
- Maturity Benefits: Once you outlive your policy term, you shall receive a guaranteed lump sum maturity benefit.
How to Buy ICICI Pru Future Perfect Plan on PolicyX.com
Follow these steps to buy the plan on PolicyX.com:
- Visit the official website of PolicyX.com.
- Click on the ‘Investment’ tab.
- A new page will appear on the screen.
- Fill out the form at the top of the page with the necessary details.
- Select your income and city. Click on 'Proceed'.
- Update your education and occupation details.
- Choose your preferred plan and click on 'Buy this plan'.
- Select the policy term, premium period, investment amount, and riders (if required), and then proceed to pay.
How to Buy ICICI Pru Future Perfect Plan on ICICI Prudential Life Insurance Website
Follow these steps to buy the plan on the insurer's website:
- Visit the official website of ICICI Prudential Life Insurance.
- Hover over 'Investment Plans' from the top menu.
- Click on 'ICICI Pru Future Perfect'.
- Click on ‘Buy Now’ to be redirected to a new page.
- Enter your name and contact information. A representative will reach out to discuss quotes.
- Once discussed, you can make the premium payment and receive the policy documents.
Exclusions
- Suicide within 12 months of the policy purchase is not covered.
- Consumption of any intoxicants.
- Death due to any aviation accident.
- Death due to any adventurous sports.
Documents Required to Buy ICICI Pru Future Perfect
Here is the list of documents required to buy the ICICI Pru Future Perfect:
- Photo ID Proof: Passport, Aadhaar card, PAN card, Driving license (any one).
- Age Proof: Passport, Aadhaar card, PAN card, Driving license (any one).
- Address Proof: Utility bill, passport, voter ID, ration card (any one).
- Medical Records: Medical records of the policyholder if requested.
- Income Proof: Bank statement, last three months' salary slips (if you are salaried) (any one).
Plan At a Glance
| What’s Good Here | What’s Missing |
|---|---|
| Guaranteed Maturity Benefit | No Plan Options |
| Cash bonuses | No High sum assured rebate |
| Guaranteed Death Benefit | No Auto cover continuance |
| Guaranteed Additions | No additional riders |
| Flexibility | NA |
