• Life Cover is the benefit payable on death of the life assured during the policy term.
•  Accelerated Critical Illness Benefit (ACI Benefit) is optional and available under Life & Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Medical documents confirming diagnosis of critical illness needs to be submitted. The benefit is payable only on the fulfillment of the definition of the diagnosed critical illness. The ACI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the ACI Benefit paid. The future premiums payable under the policy will reduce proportionately. If ACI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the ACI Benefit. To know more in detail about ACI Benefit, terms & conditions governing it, kindly refer to sales brochure. ACI Benefit term would be equal to policy term or 30 years or till 75 years, whichever is lower.
• Accidental Death benefit is up to Rs. 2 Crores (Subject to underwriting guidelines). Accidental Death Benefit (AD Benefit) is available in Life Plus and All in one options. AD Benefit is available for the policy term or till the age of 80 years, whichever is lower.
• On diagnosis of Permanent Disability (PD) due to an accident, the future premiums payable only under ICICI Pru iProtect Smart policy for all benefits are waived. To know more about definitions, terms & conditions applicable for permanent disability due to accident, kindly refer sales brochure of ICICI Pru iProtect Smart.
• Lump-sum on survival till maturity is provided through the maturity benefit of ICICI Pru Savings Suraksha. It will be payable only if you have paid all due premiums as per the premium payment term.
• Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the Guaranteed Maturity Benefit and the vested reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death.
• Return of premium feature refers to lump sum on survival through the maturity benefit of ICICI Pru Savings Suraksha calculated assuming future investment return of 8% p.a. The maturity value of the policy depends on a number of factors including future investment performance. It will be payable only if you have paid all due premiums as per the premium payment term and policy is in-force till completion of the policy term of ICICI Pru Savings Suraksha.
• The maturity benefit i.e. the amount payable at the end of the policy term of ICICI Pru Savings Suraksha is calculated assuming Rate of Return of 8% and 4%. For split of guaranteed and non-guaranteed returns please refer the detailed benefit illustration of individual products mentioned above. If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates (4% & 8% p.a.) of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of the policy depends on a number of factors including future investment performance.
• Maximum entry age for ICICI Pru iProtect Smart Money Back is 54 years.
• Tax benefits under the policy are subject to conditions under Section 80C, 80D,10(10D), 115BAC and other provisions of the Income Tax Act,1961. Good and Service tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

The plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance. INDUSIND Bank Limited (CA Registration No:CA0001) is the Corporate Agent of ICICI Prudential Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen. Thimmayya Rd., (Cantonment), Pune – 411001. Participation by the Bank’s clients in the insurance products is purely on voluntary basis. Call us on: 1860 267 7777.
© ICICI Prudential Life Insurance Co. Ltd. All rights reserved. Registered with Insurance Regulatory & Development Authority of India (IRDAI) as Life Insurance Company. Regn. No. 105. CIN: L66010MH2000PLC127837.
Reg. Off.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number - 1860 266 7766. Timings – 10:00 A.M. to 7:00 P.M., Monday to Saturday (except national holidays). Member of the Life Insurance Council. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale. Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd and used by ICICI Prudential Life Insurance Company Ltd under license. ICICI Pru iProtect Smart Money Back UIN:105N151V06 & 105N135V02. ADVT. No.: W/II/3331/2021-22.

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