ICICI Pru
Naye Zamaane Ka Naya Insurance
ICICI Prudential Life Insurance is a joint venture between ICICI Bank and Prudential plc. With over 30 years of global experience, ICICI Pru offers innovative insurance solutions.
2000
Founded
99.17%
Claims Ratio
9
Insurance Plans
4.8★
Customer Rating
Term Insurance Plans
Pure protection at lowest cost with ICICI Pru
ICICI Pru iProtect Smart
India's #1 online term plan - starts at just ₹16/day with 4 flexible options
₹16/Day
Premium
Up to ₹2 Crore
Coverage
10-85 Years
Policy Term
₹10 Lakh
Min Sum Assured
Benefits
Key Features
- 4 plan options: Life, Life Plus, Life & Health, All-in-One
- Cover 34 critical illnesses with Life & Health option
- Terminal illness benefit included
- Accidental death benefit up to ₹1 Crore
- Waiver of premium on total permanent disability
- Return of premium option available
Available Riders
ICICI Pru iProtect Super
No income proof needed - ideal for high coverage with flexible payout options
₹22/Day
Premium
Up to ₹3 Crore
Coverage
10-75 Years
Policy Term
₹25 Lakh
Min Sum Assured
Benefits
Key Features
- No income documents required for high sum assured
- Flexible payout: lumpsum or monthly income to nominee
- High sum assured up to ₹3 Crore
- Whole life cover option available
- Terminal illness benefit included
- Critical illness rider available
Available Riders
Endowment / Savings Plans
Guaranteed maturity benefit with life protection
ICICI Pru Signature Assure
Guaranteed maturity benefits ensure your savings grow safely with life protection
₹105/Day
Premium
Guaranteed Maturity Benefit + Life Cover
Coverage
10-25 Years
Policy Term
₹3 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed maturity benefits at policy end
- Life cover + savings in a single plan
- Tax benefits under Section 80C & 10(10D)
- Limited premium payment options (5/7/10/12 years)
- Loan facility available after lock-in period
- Paid-up value available
Available Riders
ICICI Pru Savings Suraksha
Safe investment with guaranteed returns - ideal for conservative investors
₹130/Day
Premium
Guaranteed Returns + Life Cover
Coverage
10-20 Years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed returns on your investment
- Safe and secure investment option
- Life cover with savings
- Tax benefits under Section 80C & 10(10D)
- Loan facility available
- Flexible premium payment terms
Available Riders
Money Back Plans
Guaranteed income during the policy term
ICICI Pru GIFT Pro
Guaranteed income plan - get regular payouts during the policy term and lumpsum at maturity
₹115/Day
Premium
Guaranteed Income + Maturity Benefit
Coverage
10-20 Years
Policy Term
₹5 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed Income for Tomorrow (GIFT) concept
- Lumpsum payout at maturity
- Regular income options during policy term
- Tax benefits under Section 80C & 10(10D)
- Guaranteed additions every year
- Flexible premium payment terms
Available Riders
ULIP / Investment Plans
Highest market-linked returns with ICICI Pru's fund management
ICICI Pru Signature
India's best ULIP - 100% premium allocation with no hidden charges
₹120/Day
Premium
Market Linked Returns + Life Cover
Coverage
10-30 Years
Policy Term
10x Annualized Premium
Min Sum Assured
Benefits
Key Features
- 100% premium allocation - no allocation charges
- Zero admin charges
- 4 portfolio strategies: Value, Balanced, Growth, Preserver
- Wide range of equity, debt & balanced funds
- Yields ₹64.8L at 4% and ₹99.24L at 8% for ₹20K/month for 20 years
- Loyalty boosts from year 5
Available Riders
ICICI Pru1 Wealth
Wealth creation ULIP - combine life protection with investment growth
₹110/Day
Premium
Market Linked Returns + Life Cover
Coverage
10-30 Years
Policy Term
10x Annualized Premium
Min Sum Assured
Benefits
Key Features
- Wealth creation through market-linked returns
- Multiple fund options across equity, debt & hybrid
- Flexible premium payment terms
- Life cover + investment in one plan
- Loyalty additions from year 6
- Top-up facility to increase investment
Available Riders
Pension / Retirement Plans
Guaranteed pension plans for worry-free retirement
ICICI Pru Guaranteed Pension Plan Flexi
Guaranteed lifelong pension - pay once or regularly and get income for life
₹150/Day
Premium
Guaranteed Pension for Life
Coverage
Whole Life
Policy Term
Based on purchase price
Min Sum Assured
Benefits
Key Features
- Guaranteed pension for life starting from next month
- Immediate and deferred annuity options
- Joint life option for spouse coverage
- Return of purchase price option
- 7+ annuity options to choose from
- Flexibility to choose payout frequency
Child Plans
Smart education planning for your child's bright future
ICICI Pru SmartKid Assure
Child education plan with guaranteed returns - never compromise on your child's future
₹65/Day
Premium
Guaranteed Returns + Child Education Fund
Coverage
Child's age 25 years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed returns on child's education plan
- Flexible payout at key education milestones
- Premium waiver if proposer passes away
- Life cover continues without premium payment
- Guaranteed additions every policy year
- Tax benefits under Section 80C & 10(10D)
Available Riders
Why Choose ICICI Pru?
High Claim Settlement
ICICI Pru has a claim settlement ratio of 99.17%, ensuring your family gets the benefits when they need it most.
Trusted Brand
With a legacy since 2000, ICICI Pru is one of the most trusted insurance brands in India.
Innovative Products
ICICI Pru offers 9 innovative insurance solutions across 6 categories tailored to your needs.
Need Help Choosing the Right ICICI Pru Plan?
Our AI-powered advisor can help you find the perfect ICICI Pru plan from 9 options based on your financial profile and needs.