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The plan obeys its tagline ''Growth Bhi Protection Bhi'' which means it provides dual benefits of protection and wealth creation. The plan protects the insured and their family members with life insurance coverage of up to 100 times the annual premium and grows the wealth through market-linked returns. This is a ULIP plan that has a Maturity Booster and the policyholder can receive a monthly payout through a Systematic Withdrawal Plan(SWP). Let us explore the plan in detail.
If a person has to buy this plan they have to fulfil the following eligibility criteria:
Min: 18 years
Max: 60 Years
Min:5 Lakhs
Max: No Limit
Min:30 Years
Max: 40 Years
Min: 48 Years
90 Years
Regular Pay: 30-40 Years
Limited Pay: 5-12 Years
Annual, Semi-Annual, Monthly
The plan has two unique features mentioned in the plan name that offer the following benefits:
Gain |
Protect |
---|---|
By staying longer in the policy the plan offers a market-linked return. | You and your family get a Life Insurance Cover with the additional benefits of Accidental Death Cover and Accidental Disability Cover. |
Returns of 2X premium allocation from the 11th policy year. Return of 2X/3X mortality changes from the 11th policy year onwards. Maturity Booster to boost your funds at the time of maturity. |
Life Insurance covers the entire policy term so that your family is financially secure. Accidental Death Cover that pays lump sum payout in case of death of the policyholder. Accidental Disability Cover that pays lumps sum payout in case of disability caused due to an accident. |
The plan offers ample benefits that are mentioned below:
The plan has following exclusions:
ICICI Pru Protect N Gain is a protection-oriented unit-linked saving life insurance plan that safeguards the insured and their family members with a life cover and grows the wealth to fulfill long-term goals by investing in the market. This plan protects policyholders and gives them a stress-free life.
You can find other term policies offered by the ICICI Term Insurance company in the section below:
Comprehensive Plan
This plan offers an optional accidental death benefit of up to 2 crores, extended coverage until age 99, and includes coverage for Covid-19 claims.
Unique Features
Critical Illness Plan
The plan offers coverage for 64 critical illnesses, 360-degree protection, and enhanced safeguarding against accidental death.
Unique Features
Comprehensive Plan
The plan provides coverage for road and train accidents, physical incapacity and comes with discounts for women.
Unique Features
Comprehensive Plan
This policy includes benefits for death and disability, along with valuable add-ons like sum insured protector and claim protector.
Unique Features
Standard Plan
ICICI Pru iCare II is a term plan that lets you secure your family’s future, and allows you to choose the number of years for which you wish to pay the premiums.
Unique Features
Standard Plan
A standard pure protection term plan that offers coverage on affordable premiums.
Unique Features
Specialized Plan
The plan covers cancer survivors, pre-existing conditions, post-surgery individuals and offers lump sum and income benefits.
Unique Features
Standard Plan
A pure term plan that offers low coverage of 5 lakhs and premium discounts.
Unique Features
Affordable Plan
ICICI Pru Loan Protect protects your family from the outstanding home and car loans in your absence.
Unique Features
Affordable Plan
The plan covers death, accidental death, critical illness, and total and permanent disability offering loan benefits during periods of income loss.
Unique Features
Partial withdrawals are allowed only if the policyholder is 18 years of age.
The plan offers protection up to 10 times of annualized premium and provides an opportunity to increase the protection by 100 times.
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