ICICI Pru Signature is a ULIP that combines life cover with wealth creation, hel ...Read More
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Divya Singh is an associate writer at PolicyX.com with over 1 year of experience in creating diverse forms of content. She specializes in breaking down complex terms and life insurance topics into clear, practical insights for readers. Her approach combines thorough research with a simple, engaging style, ensuring that customers can understand policies without confusion.
Apeksha has trained young minds about the benefits of health & term insurance throughout her 8+ years career. She designs, develops, and delivers impactful training programs for agents/brokers, and internal teams. Her expertise lies in insurance product knowledge, sales strategies, regulatory compliance, and customer service.
Updated on Apr 13, 2026 3 min read
ICICI Pru Signature is a ULIP that combines life cover with wealth creation, helping you protect your family while growing your investments. It provides flexible Wealth Boosters, fund options, Value Benefits, and return-of-premium allocation charges. It adapts to changing life stages, providing disciplined investing, financial security, and long-term growth. Investment risk is borne by the policyholder, with loyalty additions and boosters rewarding long-term commitment. The plan provides a low Reduction in Yield (RIY) for cost-efficient growth, MWPA registration for fund protection, and structured settlement options over 1–5 years at maturity.
0-70 years
99 years
10 to 30 years
Single, Yearly, Half-Yearly, and Monthly
Single, Yearly, Half-Yearly, and Monthly
0-39 years- 1.25 X Single Premium 40 and above 40 years- 10 X Single Premium
Let's understand how the ICICI Pru Signature works with a simple premium illustration.
Mr. Verma wants a plan that offers both life protection and wealth creation. He wants flexibility in investment options, the ability to make top-ups, and partial withdrawals when needed.
Mr. Verma chose ICICI Pru Signature for life cover and ULIP benefits. He picked the Premier Plan with a balanced strategy. The plan allows top-ups, partial and systematic withdrawals, optional riders, and provides nominee payout of the higher of Fund Value or Sum Assured.
Let us see a brief illustration of the ICICI Pru Signature:
| Age | Annual premiums | Policy Term | Premium payment Term | Sum Assured | Estimated Fund Value at Maturity | Estimated monthly SWP option |
| 30 years | ₹2,00,000 | 20 years | 20 years | ₹50,00,000 | ₹58,00,000 | ₹24,000 (from year 21 onwards, if selected) |
Key Takeaways: In case of Mr. Sharma's demise during the policy tenure, ₹50,00,000 and market interest will be paid to their nominee.
Here are some features of ICICI Pru Signature Plan:
ICICI Pru Signature is a ULIP that combines life cover with wealth creation, helping you protect your family while growing your investments. It provid...
Unique Features
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Here is the list of exclusions associated with this life insurance plan:
ICICI Pru Signature suits people who need life protection with disciplined investing. You build long-term wealth while keeping a financial safety net for your family. Insurance and investment go hand in hand. Flexible portfolio strategies, Wealth Boosters, and options like SWP or settlement payouts facilitate different life goals over time. The plan also gives control with the help of top-ups and adjustable features, so your coverage and investments evolve with your responsibilities. With protection, growth potential, and flexibility in a single structure, it works well for individuals planning for future milestones and long-term financial stability.
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