Icici Prudential Savings Suraksha vs Icici Pru Signature Plan

‘ A combination of savings and protection plan’.

ICICI Pru Savings Suraksha is a financial plan that helps you save for future financial goals and provides a financial net to safeguard your loved ones in your absence. It is an ideal choice if you want to collect a lump sum to fulfill your financial goals and protect your family members even in your absence.

This plan offers you numerous benefits including guaranteed additions, terminal and revisionary bonuses if declared, death benefits, surrender benefits, maturity benefits on survival, etc. This investment plan offers you two options to pay premiums- limited pay (5,7,10 or 12 years) and regular pay (for 10 to 30 years). You can also get a loan on your policy if you have paid regular premiums for a minimum of two years. The sum assured paid on the uncertain demise of the policyholder usually ranges from 7 to 10 times the annual premiums paid.

ICICI Pru Savings Suraksha is a versatile savings plan life insurance plan. We will read the plan in detail in the section below for more clarity and better understanding.

ICICI Savings Suraksha Plan offers you a range of benefits including:

• Guaranteed Benefits
• Tax Benefits
• Flexibility

• Multiple payment options
• Policy revival 
• Surrender value 

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.  

• Life Cover
• Wealth Boosters
• Return of Premium Allocation Charges

• Value Benefit
• Whole Life Option
• Systematic Withdrawal Plan (SWP)