ICICI Pru iProtect Smart Plus Plan
- Choice of Plan Option
- Premium Break
- Insta Claim Payment
Himanshu is a content marketer with 2 years of experience in the life insurance sector. His motto is to make life insurance topics simple and easy to understand yet one level deeper for our readers.
Apeksha Parsai 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 Jun 23, 2025 5 min read
iProtect Smart Plus Term Plan by ICICI Prudential Life Insurance is an exclusive term insurance plan that provides financial security to your loved ones in case of your uncertain death during the policy tenure. There are three plan option you can choose from- Life, Life Plus and Life Rebalancing. You have the flexibility to choose the premium payment term and convert from Regular Pay into Limited Pay.
iProtect Smart Plus Term Plan offers a range of benefits including:
Minimum age- 18 years, Maximum age- 65 years
Maximum maturity age- 99 years
Minimum policy term- 5 years, Maximum policy term- Coverage till 99 years
Base sum assured- Rs 50 lakhs to Rs No limit
No policy loan is available under this plan.
Yearly, half-yearly, quarterly, and monthly
Let's understand how the ICICI Pru Smart Plus Term Plan works with a simple premium illustration.
Mr Verma a 35-year-old salaried professional is looking for a term insurance plan with a premium break option to protect his loved ones against the uncertainties of life.
He visited PolicyX.com to find a suitable term plan for him. One of the insurance experts suggested him to buy the ICICI Pru Smart Plus Term Plan.
Mr Verma bought the ICICI Pru Smart Plus Term Plan from PolicyX.com. Let’s understand the plan works for him with a simple premium illustration table.
| Age of policyholder | Annual premiums | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
| 30 years | Rs 9,030 | 30 years | 30 years | Rs 5,02,570 | Rs 1 crore |
Key Takeaways:
(i) In case of Mr Verma’s uncertain death during the policy tenure, his family would receive the death benefits of Rs 1 crore and the policy will lapse with immediate effect.
(ii) In case he survives the policy tenure, no benefits are paid and the policy will lapse on maturity.
Here are the benefits associated with the ICICI Pru iProtect Smart Plus Plan
You can avail the following rider with IICICI Pru Smart Plus Term Plan:
This rider offers an additional sum assured in case the policyholder is diagnosed with 20 or 60 critical illnesses.
Suicidal Exclusion: The iProtect Smart Plus Term Plan does not cover deaths due to suicide. In case the policyholder dies due to suicide within the first 12 months of policy purchase no death benefits are paid to their family. Either 80% of the premiums paid to date or the surrender value of the policy is provided to their family.
iProtect Smart Plus Term Plan is an exclusive term insurance plan for perfect for every individual. It offers various benefits to the policyholders including choice of policy tenure, premium break benefit, discounts, option to change the premium payment term, and a lot more.
If you are confused about whether this plan is right for you or not, you can contact us at PolicyX.com. One of our insurance experts will help you choose a plan that best suits your requirements.
We offer No Spam, No Gimmicks, and Only Expert Insurance Advice.
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Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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