ICICI Prudential Life Insurance

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ICICI Prudential Life Insurance Company Limited began its operations in the fiscal year 2001 after it received approval from the Insurance Regulatory Development Authority of India (IRDAI) in November 2000. It is a joint venture between ICICI Bank Limited and Prudential Corporation Holdings Limited, a part of the Prudential Group. ICICI Prudential Life is also the first insurance company in India to be listed on Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). 

Top ICICI Prudential Life Insurance Plans (2021)

ICICI Prudential Life Insurance has maintained its focus on offering a wide range of life insurance products which meets the needs of its Indian customers at every step in life. Let’s have a look at the top life insurance plans offered by ICICI Pru Life in different insurance categories: 

ICICI Prudential Life Term Plans 

Term Insurance is a life insurance policy which provides coverage for a certain period of time. Term insurance plans are protection-oriented insurance policies which provide financial protection to the family in case of unfortunate death of the insured during the policy term. Term Insurance is the most basic type and also the most important type of life insurance policy available in the market. Term insurance plans offered by ICICI Prudential Life also covers the risk of disability and critical illness through their optional riders. 

Term insurance Plans Offered by ICICI Prudential Life -

Product NameProduct Description
ICICI Pru iProtect SmartICICI Prudential iProtect Smart is a non-linked, non-participating, individual pure risk insurance product. It has an add-on critical illness cover which gives claim pay-out on the first diagnosis of any of the covered 34 critical illnesses without any requirement of hospital bills. This plan offers to enhance your coverage through its optional accidental death rider. It is also available to be brought online.
ICICI Pru iCareIIICICI Prudential iCare II is a non-linked, non- participating term insurance plan in which a lump sum amount is paid to the nominee in the event of unfortunate death of the insured during the term of the plan. You get the option for extra protection in case of accidental death by purchasing an accidental death benefit rider.
ICICI Pru Precious LifeThe Precious Life plan of ICICI Prudential is specially designed for individuals with existing medical conditions such as cholesterol, diabetes, high blood pressure, or those who have undergone critical surgeries such as open-heart surgery or angioplasty.
ICICI Pru Life RakshaICICI Prudential Life Raksha Plan is a non-linked, individual, non-participating, pure risk insurance policy. With this term plan, in case of unfortunate death of the insured, a lump-sum benefit is paid to the family to manage their regular incomes. The policy lasts for a period of 5 years.
ICICI Pru POS iProtect SmartICICI Pru POS iProtect Smart Plan is an individual, non-linked, non-participating, pure risk term insurance plan. You can choose your level of protection under this plan from two benefit options which include life and life plus. In the life cover, you get the death benefit and in the life plus cover, you receive the death benefit and accidental death benefit. 
ICICI Pru POS Life RakshaICICI Prudential POS Life Raksha plan protects your family and provides them with a lump sum amount to meet immediate liabilities that may arise in your absence. No medical examination is required to buy this plan. This is a five year policy. 

 ICICI Prudential Life Unit-linked Plans

Unit-linked insurance plan combines the benefits of protection and savings in a single plan. A ULIP plan is both an insurance policy and an investment. The policy provides a death benefit to the nominee if the insured passes away during the term of the plan. Alternatively, the maturity benefit is also paid if the insured survives the policy term. On maturity, the fund value is paid which includes the premiums paid and the returns earned on them. In unit-linked insurance plans, the investment risk in the investment portfolio is borne by the policyholder.

Unit-linked Plans Offered by ICICI Prudential Life -

Product NameProduct Description
ICICI Pru Signature (Online)It is a special savings plan which provides better returns along with insurance protection and is available to be brought online. The entire premium paid for the plan is allocated among the funds of your choice. This plan also offers policy benefits to 99 years of age with the Whole Life option. 
ICICI Pru Signature It is a savings and protection oriented unit-linked life insurance product. Along with a life cover to secure your family in your absence, this plan also offers flexible investment options which help you to achieve your goals. The plan provides a choice of 4 portfolio strategies and a wide range of funds across equity, debt and balanced funds to suit your investment needs. 
ICICI Pru1 WealthIt is a non-participating, single premium unit-linked insurance plan. It is more than a life insurance plan. With just a single premium payment, you get 100% of your money invested in the funds of your choice. It has 7 funds choice with the facility to switch these funds anytime at no extra cost. 
ICICI Pru Smart Life ICICI Pru Smart Life provides you and your family all round-protection. In case of unfortunate death during the term of the policy, your family will receive a lump-sum benefit. In addition, with the fixed portfolio strategy of the plan, you can manage your investment by investing it in equity and/or debt funds as per your risk appetite. 
ICICI Pru Guaranteed Wealth ProtectorICICI Pru Guaranteed Wealth Protector ensures that you enjoy better returns while keeping your money safe. You can choose the number of years for which you want to pay the premiums for the plan. On maturity of this plan, a higher assured benefit or fund value amount is paid. 
ICICI Pru LifeTime ClassicICICI Pru LifeTime Classic is a non-participating, unit linked plan that provides complete financial protection for your family through life cover and also gives you the potential to create wealth and save for your future. This insurance policy also offers 4 portfolio strategies from which you can choose based on your investment needs. 
ICICI Pru Smart Couple PlanICICI Pru Smart Couple plan provides security for your loved ones with premium waived in your absence. You get the choice of investment strategy to suit your needs. The plan also offers the option to pay the premium once, for a limited period or on a regular basis throughout the term. 

ICICI Prudential Life Money Back Plans

Money-back plans are risk free investment policies which also come with an  insurance shield. Money-back plans are not linked to the stock market and hence carry low risk. These money-back plans give you the benefit of regular income during the term of the policy and full sum assured is paid as death benefit irrespective of money back benefits already paid. These traditional insurance plans offer bonuses such as simple reversionary bonuses and terminal bonus, for staying invested, that helps you enhance the benefits payable under the plan. 

ICICI Prudential Offers Two Money Back Plans -

Product NameProduct Description
ICICI Pru Cash AdvantageICICI Pru Cash Advantage provides additional income at regular intervals and a lump sum amount at maturity to enable you to meet your future goals. With this plan, as soon as your premium term ends, you will start receiving guaranteed cash benefits at regular intervals and also a maturity benefit at the end of the plan. However, in case of unfortunate death of the life assured, the death benefit will be paid to the nominee. Hence, it provides you and your family all-round protection. 
ICICI Pru Lakshya Lifelong IncomeICICI Pru Lakshya Lifelong Income is a protection and savings oriented conventional participating life insurance product which helps you to fulfil your financial needs through guaranteed income and cash bonus. It is specially designed to provide the policy benefits to its customers until 99 years of age. Regular incomes, in the form of guaranteed additions and cash bonus, are paid from the Income Start Date which you choose 
 

 ICICI Prudential Life Endowment Plans

Endowment plans are traditional saving plans which help you create a lump sum corpus over the policy duration. These plans cover the risk of premature death and pay a death benefit on death during the policy tenure. Alternatively, if you survive the duration of the policy, a lump sum maturity benefit is paid. Thus, endowment plans are savings cum insurance plans which provide a guaranteed corpus on death or maturity.

ICICI Prudential Offers a Range of Endowment Policies -

Name of the plan Product Description
ICICI Pru Savings SurakshaIt is a non-linked, participating endowment insurance plan which offers you the opportunity to grow your savings along with enjoying the benefits of guaranteed returns. ICICI Pru Savings Suraksha grows your wealth through its guaranteed additions and guaranteed maturity benefit. At the end of the term of the policy, you get a sum which includes guaranteed additions, guaranteed maturity benefit and additional bonus declared by the insurance company, if any. 
ICICI Pru Assured Savings Insurance Plan ICICI Pru Assured Savings Insurance Plan is a non-linked non-participating life individual savings product. It provides guaranteed savings to help you fulfil the goals of your family by providing them with a lump-sum payout. The plan allows you to select the number of years for which you want to pay the premiums for the plan. It also offers guaranteed additions and guaranteed maturity benefits. 
ICICI Pru Future Perfect ICICI Pru Future Perfect is a non-linked, participating, life individual savings product which gives you dual assurance of life cover and guaranteed returns while complementing your investment corpus with bonuses declared by the company providing potentially higher returns. You have an option to choose the premium payment option as per your choice  
ICICI Pru Lakshya Wealth ICICI Pru Lakshya Wealth is a non-linked, participating insurance plan which is specially designed to grow your wealth with the promise of protecting your hard-earned money. The plan grows your wealth through guaranteed benefits and bonuses which enhance the overall benefit payable under the policy.

ICICI Prudential Life Child Plan

Child plans are insurance plans which take care of the protection and saving requirements for the security of your child’s future. In ICICI Prudential Child Insurance Plan, the parent is the life insured while the child is the beneficiary. You can pay the premiums for a specified tenure and receive maturity benefit at the end of the plan. However, on the unfortunate death of the policyholder, the future premiums of the plan are waived off through the inbuilt premium waiver rider but the policy continues unaffected. 

ICICI Prudential Offers One Child Life Plan -

Product NameProduct Description
ICICI Pru SmartKid SolutionICICI Prudential SmartKid Solutions Plan is a unit-linked insurance plan which grows your investments and also helps you to secure educational milestones for your child. In case of an unfortunate death of the life assured, the future premiums of the plan are waived off and the plan continues for the remaining term of the plan. The plan also offers rewards of wealth boosters and loyalty additions for long term investments. 

ICICI Prudential Life Retirement Plans

Retirement Insurance plans offer you the way to build your own pension income. You can choose to accumulate your retirement corpus and receive annuities in instalments after your retirement or get guaranteed immediate pension for your life by investing a lump sum amount. ICICI Prudential Life offers you to enhance your pension plan by adding certain optional riders such as ‘critical illness rider and/or disability due to accident rider. Retirement plans are designed specially to enable you to meet your post-retirement needs such as medical and living expenses. 

Retirement Plans Offered by ICICI Prudential Life -

Product NameProduct Description
ICICI Pru Easy RetirementICICI Prudential Easy Retirement plan is a unit-linked pension plan that provides regular income for you post-retirement with the potential growth of equity and debt funds. The plan also ensures that you do not lose the capital invested even when the market is volatile by promising a minimum vesting benefit. The plan offers a choice of investment strategies that suit your needs and also have pension boosters to increase savings for retirement. 
ICICI Pru Immediate Annuity ICICI Pru Immediate Annuity Plan is a non-linked life insurance plan that ensures that you and your spouse live a secured life in your golden years with regular incomes to meet your day-to-day expenses. It also helps you to leave a legacy for your children. The plan offers a wide range of annuity options to suit your specific needs. 
ICICI Pru Easy Retirement SP ICICI Pru Easy Retirement Single Premium Plan provides equity-linked growth along with providing a safety net of capital protection. A single premium is needed to buy the plan after which you can enjoy coverage throughout the policy duration

 ICICI Prudential Life Rural Plans

Rural Plans are life insurance solutions which aim to offer an opportunity to the rural population to enjoy the protection of a life insurance cover and get the benefit of increased savings for their future. ICICI Prudential Life Rural Plans are crafted to meet the requirements of the people from the rural parts of the country by offering life cover at low rates of premium. 

Rural Plans Offered by ICICI Prudential Life -

Product NameProduct Description
ICICI Pru Sarv Jana SurakshaICICI Pru Sarv Jana Suraksha is a micro insurance term plan which provides financial security to you and your family at an affordable premium cost. In case of an unfortunate death of the insured during the term of the plan, your family gets a lump sum benefit to take care of their financial needs. 
ICICI Pru Anmol Bachat ICICI Pru Anmol Bachat is a non-linked, micro insurance term plan which protects and grows your savings along with providing you a life cover. Under this insurance plan, you have the flexibility to choose premium paying terms as per your needs. The plan also offers bonus which accrue during the policy term and will be paid along with the guaranteed maturity benefit at the end of the term of the policy. 

ICICI Prudential NRI Plans

Life Insurance plans offered by ICICI Prudential Life Insurance are available to be brought for NRIs too. NRIs can buy all the types of insurance plans offered by ICICI Prudential as per their coverage needs and requirements. 

ICICI Prudential Life Insurance Riders

Riders are additional benefits which you can buy along with your existing life insurance policy at affordable rates. Riders are optional and can be added as per your insurance needs by paying low additional premiums. These riders are valuable tools which help you in expanding and enhancing your life insurance coverage. 

ICICI Prudential Offers the Following Life Insurance Riders -

Rider Name Product Description
Critical Illness RiderUnder this insurance rider, you get coverage of critical ailments such as heart attack, cancer, brain tumour, etc as mentioned in the plan by paying extra premium. ICICI Prudential Critical illness rider provides coverage against 34 critical illnesses. Critical illness cover provides a lump sum payment when a covered critical illness is diagnosed. The lump sum amount received from under the rider can be used to meet both medical cost and household expenses. 
Accidental Death RiderAll the life insurance plans of ICICI Prudential Life cover accidental death. However, if you buy an accidental death rider with your existing insurance plan, the insurer will pay an additional sum assured in case of your unfortunate death due to an accident during the policy tenure
Unit Linked Accidental Death RiderThis rider is available under unit linked insurance plans. The rider covers accidental death during the term of the policy. In case of accidental death during the policy tenure an additional sum assured is paid along with the death benefit payable.

Benefits of Buying ICICI Prudential Life Insurance Plans

ICICI Prudential Life Insurance plans offers a range of benefits depending upon the type of insurance policy you buy. Let’s discuss the benefits of buy ICICI Prudential life insurance plans- 

  1. Financial Security and Peace of Mind - Buying life insurance provides financial security as well as ultimate peace of mind. This is because with life insurance plans, you know that your family and loved ones will have a financial safety net in your absence. ICICI Prudential Life insurance plans cover the risk of disability and critical illness too along with death thereby providing your family with a 360-degree financial security against adverse situations.
  2. Life Cover- The basic benefit of life insurance plans is that it offers cover against premature death. Almost in all the insurance plans, except immediate pension plans and health plans, a lump sum benefit is paid to the family of the insured on his/her premature death. It helps the family to overcome the financial burden in the absence of the breadwinner.
  3. Wealth Creation - Many life insurance plans also offer the opportunity to create wealth. Apart from life cover, these insurance plans invest your premium amount in different investments (debt or equity or both) to help you grow your corpus through market linked returns. You can use this corpus to fulfil different financial goals in your life.
  4. Saving for Your Children’s Education- Life insurance plans also help you to save along with enjoying insurance cover. Child insurance plans allow you to fulfil your child’s educational goals. Such plans, in the form of a unit linked or savings plan, help you to grow your investments and secure the educational milestones of your child.
  5. Meeting Financial Goals- ICICI Prudential Life Insurance plans enable you to fulfil your financial goals. You can invest in different life insurance plans as per your financial needs and goals. Term plans help you to fulfil income replacement goals, retirement plans help you to create a corpus for your retirement, child plans help you to meet educational goals of your child and traditional plans help you to save and create wealth for meeting future financial needs.
  6. Liquidity- With unit-linked insurance plans, you get an option of partial withdrawal that allows you to withdraw a part of your money invested in the policy. This option provides you the benefit of liquidity to help you to take care of immediate expenses. Partial withdrawals are free of cost and can be made only after expiry of the first five years of the plans. Similarly, ICICI Prudential money back insurance plans provide guaranteed benefits at regular intervals which provide you with liquid funds to meet your short term financial needs.
  7. Cover Against Critical Illness and Disability- Along with providing life-cover, the insurance plans offered by ICICI Prudential Life also provide protection against critical illnesses. For a small additional premium, critical illness rider provides lump sum payment when the insured is diagnosed with covered critical illness and under accidental disability rider, the insurance company pays all the future premiums in case of total and permanent disability suffered by the insured.
  8. Tax Benefits- Life Insurance plans offer tax benefits under various sections of the Income Tax Act, 1961. You can avail the tax benefits both for the premiums paid for the plans as well as the income received from the plans, subject to certain terms and conditions. You can enjoy tax-free returns from ICICI Prudential Life Insurance plans and lower your taxable income. The detailed tax benefits are discussed below.

ICICI Prudential Life Insurance Claim Process 

Having a high Claim Settlement Ratio of 98.6% for the financial year 2018- 2019 ICICI Prudential Life Insurance has proved that settlement of its life insurance claims is very simple and easy. You can report to the insurance company of the claim online through the website of the company. ICICI Prudential Life has 3 step claim settlement process which is discussed as follows-

Step 1- Claim Reporting: The first step involves reporting your claim to the insurance company. You have the option to report the claim online, at the central office, at the branch office, via SMS, via email, or through its call centre facility as per your convenience. However, the claims which are reported through SMS, online or through email will not be regarded as intimation. Physical documents are required to be submitted to start the process of claim settlement. 

Step 2- Claim Processing: The special ClaimCare team of ICICI Prudential Life will assess your life insurance claim and inform you in case of need of any further documents. After receiving all the necessary documents, the company will process your insurance claim for settlement. 

Step 3- Claim Settlement: Once your life insurance claim is intimated and the company receives all the relevant documents, the claim will be settled. 

Documents Required for Death Claim

Following documents are required to be submitted at the branch of ICICI Prudential Life Insurance for a death claim: 

  • Claim Settlement Form
  • Death Certificate (Death Claims)
  • Hospitalisation/Medical Documents
  • Claimant’s current address proof and photo identity proof
  • Cancelled cheque/copy of bank passbook of the nominee

Documents Required for Health Insurance Claim

Following documents are required to be submitted for making a health insurance claim in ICICI Prudential Life Insurance: 

  • Nominee’s statement/ claim intimation form
  • Attending doctor’s certificate
  • Original policy documents
  • Copy of medical records ( admission notes, test reports and discharge summary)
  • Cancelled cheque

Documents Required for Critical Illness Claim

Following documents are required for easy settlement of Critical illness claim: 

  • Claim Settlement/Claim intimation form
  • Attending doctor’s certificate
  • Original policy documents
  • Copy of medical records ( admission notes, test reports and discharge summary)
  • Cancelled cheque

ICICI Prudential Life Insurance Tax Benefits

Under the Income Tax Act, 1961, you can save tax on your hard earned money by investing in ICICI Prudential Life Insurance plans. You take tax advantage of the various sections of the Income Tax Act, 1961 offering tax benefits both on investments as well as on returns and save tax. Let’s have a look on different tax benefits that you can avail from ICICI Prudential Life Insurance plans-

Sections of Income Tax Act, 1961Tax Benefit Available
Section 80C Under section 80C of the Income Tax Act, 1961, you can avail tax benefits on premiums paid by you for ICICI Prudential life insurance policies (except retirement/pension plans). Tax deduction under this section allows exemption up to INR 1.5 lakh per annum. However, the premiums up to 10% of the sum assured are allowed as deduction.
Section 80CCCSection 80CCC of the Income Tax Act, 1961, provides a deduction for premiums paid or amount invested by an individual in any annuity pension insurance plan of ICICI Prudential Life Insurance. Premiums up to INR 1.5 lakhs per annum paid towards the deferred annuity plans are allowed as deduction. However, the premium should be up to 10% of the sum assured to claim deduction
Section 80D Under Section 80D of the Income Tax Act, 1961, tax benefit can be availed on health insurance premiums. Hence, if you invest in ICICI Prudential Health insurance plans, you are allowed to avail the premiums paid for the health plan as deduction. If your life insurance plan has health related inbuilt cover or an add-on cover, you can avail tax benefits under this section. However, the deduction is subject to a maximum of INR 25,000 for every financial year. For individuals aged 60 years and above, the deduction limit is up to INR 50,000 in one financial year
Section 10 (10A)Under deferred annuity plans of ICICI Prudential Life Insurance, you can withdraw 60% of the corpus of your plan on maturity. This withdrawal is called commutation of pension. However, only 33% of the entire corpus will be free from tax and can be availed as exemption under section 10 (10A) of the Income Tax Act, 1961. The rest would be taxable.
Section 10 (10D) Under Section 10 (10D) of Income Tax Act, 1961, the pay-outs received from ICICI Prudential Life Insurance plans in the form of death benefit to the nominee of the plan or on maturity as survival benefits to the insured, including the bonuses received, if any is exempted from tax. It is treated as a tax-free income provided the premiums paid for the plan does not exceed 10% of the sum assured in the plan. If the premium exceeds 10% of the sum assured, the maturity benefit along with bonuses would be taxable in the hands of the policyholder. 
However, the limit of 10% premium does not apply to death benefits. The death benefit is completely tax-free under this section in the hands of nominee, irrespective of the amount of premium.

ICICI Prudential Life Insurance Customer Care Details

You can contact ICICI Prudential Life Insurance either by visiting the branch, online or through their call facility for query, complaint, claim or feedback. Here are the details to contact the company- 

Phone number (for customers calling from India) 1860 266 7766 (Do not prefix this number with ‘+’ or ‘91’ or ‘00’
Phone number (for customers calling from outside India)  +91 22 6193 0777
Query for online purchase180030069777
Email for reporting a claimclaimsupport@iciciprulife.com
SMS for claim settlement‘ICLAIM <space> Policy No.’ To 56767

ICICI Prudential Life Insurance Review

ICICI Prudential Life has consistently been amongst the top players in the Indian life insurance sector. Ever since its inception in 2001, ICICI Prudential Life offers a range of insurance products to retail as well as corporate customers in India. Some details about the company are as follows-

  • The Assets Under Management (AUM) were INR 1700.06 billion as on 30th June 2020.
  • It has been awarded the “Claims and Customer Service Excellence Awards” in the Life Insurance Category by FICCI on 25th August, 2020.
  • ICICI Prudential Life guarantees death claim settlement in 1 day from the day of receiving the last document.
  • For financial year 2018-19, the average turn-around time of the company for settling a claim is 2.34 days
  • 70% of the claims of the company for financial year 2018-19 have been settled within 3 days and 97% of the received claims have been settled within 30 days from the date of intimation.

ICCIC Prudential Life Insurance has superior claim paying ability which is proven by consistent highest ratings awarded by ICRA, one of well-known independent rating agencies.

ICICI Prudential Life Insurance FAQs

  • What is the grace period in ICICI Prudential Life Insurance plans?

    Grace period in ICICI Prudential Life insurance plans is 15 days for monthly premium payment mode and 30 days for other modes of premium payment. If the premium is not paid within the grace period, the policy will lapse and the insurance cover will cease.

  • What is premium loading in term insurance plans of ICICI Prudential Life?

    Premium loading is an extra charge that is added to your base premium for choosing the monthly premium payment mode. ICICI Prudential generally charges a premium loading of 5%, if you choose to pay your premiums monthly.

  • Do term insurance plans offer tax benefits?

    Yes, term insurance premiums are deductible under section 80C of the Income Tax Act, 1961. The deduction is allowed upto a maximum of INR 1.5 Lakh for term insurance premiums paid over the year.

  • What is Systematic Withdrawal Plan (SWP)?

    Under the ULIP plans, Systematic Withdrawal Plan (SWP) allows you to withdraw a pre-determined percentage of the fund value on a regular basis. This helps you to meet specific needs such as child’s education or money for day-to-day expenses during your retirement.

  • Who will receive the claim of life insurance policy if the nominee dies?

    When the policyholder and nominee both dies, in such a case a legal heir can receive the claim of life insurance plan.

  • Why is the term insurance premium amount for smokers higher than that of a non-smoker?

    Term insurance premiums for smokers are higher than that of non-smokers because the premium for the plan increases with risk and probability of the policyholder’s death. Smokers have a higher death rate than non-smokers. Hence, they have to pay a  higher premium.

  • What is fund value in ULIP plans?

    Under ULIP plans, the policyholder has the option to choose from a set of funds to invest in according to their goals and risk appetite. The total monetary worth of the fund units which is owned by the policyholder is termed as fund value in ULIP plans. For example, if the policyholder holds 20,000 units at the current price of INR 50 per unit, then the fund value will be INR 20,000 × 50= 1,00,000.

  • What is the time frame within which the claim of life insurance plans is to be reported?

    One should report a life insurance claim as soon as possible, to help the company to process it faster. Disability claims should be reported within 120 days from the date of disability and claims for critical illness or major surgery should be reported within 60 days from the date of diagnosis of critical illness or from the date of surgery, as the case maybe.

  • Can I change the nominee in my insurance policy?

    Existing nominations can be changed to a new nomination by the policyholder at any time during the term of the insurance plan by an endorsement on the back of the insurance plan.

  • How much money can I withdraw from my ICICI Prudential ULIP plans?

    You can withdraw up to 20% of your fund value from your ICICI Prudential ULIP plans. However, no withdrawal is allowed for the first five years of the policy. You can withdraw from the sixth policy year.

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