Icici Life Guaranteed Income For Tomorrow vs Sbi Smart Bachat Life Insurance Plan 2026 | PolicyX
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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
PLAN DETAILS

Icici Life Guaranteed Income For Tomorrow

Sbi Smart Bachat
Premium Including GST
Key Features
(Key features of the plan)
  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits
  • Know All About SBI Life Smart Bachat
  • Explore the Key Features and Benefits
  • Understand the Exclusions
Plan Maturity age Maximum Maturity Age - 70 years Maximum Maturity Age: 65 years
Plan Sum Assured 5/6/7/8/10/12 Years 7/10/15 years
Plan Entry Age Minimum Age - 18 years Maximum Age - Policy Term Minimum Age: 3 years, Maximum Age: 50 years
Plan Payment modes NA Rs 2 lakh to No limit
Plan Policy loan Lump Sum/ Yearly/ Half-Yearly/ Monthly Annual, half-yearly, quarterly and monthly
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term 5 years to 20 years Minimum term: 15 years, Maximum term: 30 years
Claim Settlement Ratio (2024-25) Minimum Age - 5 year Minimum Age - 5 year

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above life insurance plans using the PolicyX Life Insurance Calculator.

Riders

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.

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