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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 Guaranteed Income for Tomorrow
Achieve your life goals with ICICI Pru Guaranteed Income for Tomorrow ...Read More
🛡️ IRDAI Approved
⭐ 4.6/5 · 921 reviews
📊 80 years solvency ratio
✅ Minimum Age - 5 year% claim settlement ratio
🌐 Annual, half-yearly,+ pan-India
About ICICI Guaranteed Income for Tomorrow
A quick read on what this ICICI Prudential term plan covers and why it might be a fit for you.
Achieve your life goals with ICICI Pru Guaranteed Income for Tomorrow – secure savings, guaranteed returns, and financial security. ICICI Pru Guaranteed Income for Tomorrow is a two-in-one protection and savings-based life insurance plan. In addition to guaranteed maturity or death benefits, the investment plan offers guaranteed benefits in the form of a lump sum or regular income. This plan is unique as it offers four plan options. Each plan option is designed to serve a different life objective. Under the "Save the Date" feature, you can choose a particular date as per your requirement to receive guaranteed income. Under this plan, you can pay premiums for 6, 7, 8, 10, or 12 years (PPT) and receive regular income from the 2nd year onwards. ICICI Pru Guaranteed Income for Tomorrow is a two-in-one protection life insurance plan. We will read the plan in detail in the section below for more clarity and better understanding.
ICICI Pru Guaranteed Income for Tomorrow offers you a range of benefits including:
- Guaranteed Benefits
- Tax Benefits
- Flexibility
- Income plan option
- Policy revival
- Surrender benefit
Eligibility Criteria for ICICI Guaranteed Income for Tomorrow
Entry age
Minimum Age - 18 years Maximum Age - Policy Term
Maturity age
Maximum Maturity Age - 70 years
Policy tenure
5 years to 20 years
Premium payment term
5/6/7/8/10/12 Years
Premium payment frequency
Lump Sum/ Yearly/ Half-Yearly/ Monthly
Sum assured
NA
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Loan Benefit
- Tax Benefits
- Maturity Benefit
Cons
- No pre-existing condition
- Suicidal exclusion
- No drug consumption
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
Minimum entry age - 18 years
Maximum entry age - 60 years
Minimum sum assured - NA
Maximum sum assured - NA
Maximum policy term - 20 years
How Does the ICICI Guaranteed Income for Tomorrow Plan Work?
Let's understand how the ICICI Guaranteed Income for Tomorrow Plan works with a simple premium illustration.Problem
Ravi is a 32-year-old male looking for an investment plan to create long-term wealth for his child.
Solution
His financial advisor advised him to buy the ICICI Guaranteed Income For Tomorrow. He visited PolicyX.com
Let's understand how the ICICI Guaranteed Income For Tomorrow works for him with a premium illustration table.
| Age of policyholder | Annual Premiums | Policy tenure | Maturity Benefits |
| 32 years | Rs 1 lakh | 10 years | Rs 7,03,152 |
Key Takeaways: At the end of the policy tenure, the maturity benefits of Rs 7,03,152 are paid to the policyholder.
Benefits of ICICI Guaranteed Income for Tomorrow
There are various benefits to buying the ICICI Guaranteed Income for Tomorrow Plan. Let’s understand each of them in detail:
- Guaranteed Maturity Benefit: Once you outlive your policy term, you shall receive a guaranteed lump sum maturity benefit.
- Death Benefit: On the policyholder's unfortunate death during the policy term, the insurance cover amount will be paid out as a lump sum to the nominee.
- Survival Benefit: You get a fixed proportion of your annual premiums as a Survival Benefit.
- Surrender Benefit: If you don't feel like continuing your policy, you can exit at any stage after paying two full years' premium. For Single Pay plans, the surrender value is obtained immediately after paying a premium.
Features of ICICI Guaranteed Income for Tomorrow
Key features that make ICICI Guaranteed Income for Tomorrow stand out.
Income Benefit
The plan allows you to receive guaranteed income from 2 years onwards.
Plan Options
The plan offers four plan options that allow you to choose the protection based on your requirements.
Loan Benefit
You can take a loan against the ICICI GIFT plan in case of any financial crisis.
Save The Date
Under the "Save the Date" feature, you can make amends to your Guaranteed Income date.
Documents Required for ICICI Guaranteed Income for Tomorrow
Keep these documents handy when applying for ICICI Guaranteed Income for Tomorrow.
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).
Buying from their branch office
You can buy the ICICI Guaranteed Income for Tomorrow Plan offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.Exclusions of ICICI Guaranteed Income for Tomorrow Plan
- 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.
Other Features of ICICI Guaranteed Income for Tomorrow
Here are the key features of the ICICI Guaranteed Income for Tomorrow.
Plan At a Glance
| What’s Good Here | What’s Missing |
| Various Plan Options | No Paid Up Benefit |
| Surrender Benefit | No High Sum Assured Rebate |
| Guaranteed Income from 2 Years Onwards | No Auto Cover Continuance |
| Guaranteed Maturity Benefit | No Additional Riders |
| Special Premium Rates for Women | NA |
In a nutshell
ICICI Pru Guaranteed Income for Tomorrow is a two-in-one protection and savings-based life insurance plan. For more info related to this plan, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you.Life Insurance Articles
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ICICI Guaranteed Income for Tomorrow: FAQs
The 5 most-asked questions about ICICI Guaranteed Income for Tomorrow, answered.
ICICI Pru Guaranteed Income For Tomorrow (GIFT) is a guaranteed savings and protection plan that helps you build a corpse to achieve your future goals. It offers guaranteed returns, lump sums, or regular income streams over a specific period.
The minimum age for the ICICI Prudential Guaranteed Income for Tomorrow Plan is 18 years in India.
ICICI Pru GIFT plan is ideal if you want to retire early or need extra income to pay specific expenses.
The plan offers four options based on your protection needs: an Early Income Plan, an Income Plan, a Lump Sum Plan, and a Single-Pay Income plan.
Yes, you can opt for early income or single pay plan options in ICICI GIFT policy and get guaranteed income from 2nd year onwards before maturity.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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