Life Raksha Plan vs Iprotect Super Term Plan Term Insurance Plan 2026 | PolicyX
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ICICI Pru Life is a pure protection term insurance plan designed to provide affordable financial security for families. The plan offers life cover ranging from ₹50,000 to ₹5 lakh with tax benefits on premiums paid.

The plan is offered by ICICI Pru Life Insurance company and comes with tax benefits against the premiums that you pay. The premium payment term of the Life Raksha plan is regular pay for 5 years. It is to be noted that this plan does not come with any maturity or surrender benefits. 

Here are some benefits of this plan:

  • 5 year regular pay
  • Affordable premiums
  • Tax benefits
  • Short term cover
  • Option to choose low sum assured

 

 

PLAN DETAILS

Life Raksha Plan

Iprotect Super Term Plan
Premium Including GST
Key Features
(Key features of the plan)
  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Option
  • Term Plan for Self-employed
  • Premium Break Option
  • Smart Exit Benefit
Plan Maturity age Maximum Maturity Age - 70 years Maximum maturity age- 85 years
Plan Sum Assured 10 times annual premium Base sum assured- Rs 50 lakhs to Rs 1 crore
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum age- 18 years, Maximum age- 55 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Yearly, half-yearly, quarterly, and monthly
Plan Policy loan Policy loan is not available under ICICI Life Raksha Plan No policy loan is available under this plan.
Plan Sample Premium Rs 789-/ per month Rs 761/- per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 5 years Minimum policy term- 20 years, Maximum policy term- 85 years minus entry age
Claim Settlement Ratio (2024-25) 99.33% 99.33%
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* 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 term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders You Can Avail With iProtect Super Term Plan 

You can avail the following rider with ICICI Prudential iProtect Super Term Plan:

ICICI Prudential Non-Linked Accidental Death and Disability Rider

This rider offers an additional sum assured in case the policyholder met with accidental death/ total or permanent disability due to an accident.

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