NetBanking
NetBanking
Indus Direct
INDIE for Business
Indie Business
Credit Card
Forex Card
Quick Links
Quick Links
Quick Links
Quick Links
A protection and savings oriented participating life insurance plan that provides the protection of life cover1 along with a regular income* that can be used to meet your long-term recurring financial needs through participation in bonus#
T&C Apply
Plan Variants | Premium Payment Term (PPT) (in years) | Min/Max Policy Term (PT) (in years) | Min/Max Age at Entry (in years) | Min/Max Age at Maturity (in years) | Min/Max Annualized Premium |
---|---|---|---|---|---|
Immediate Income | 5 | 30 Years /99 minus age at entry | 0/50 | 30/99 | ₹50,000 p.a.*/ Subject to Board Approved Under-writing Policy |
6 | 0/55 | ||||
7 to 12 | 0/60 | ||||
Immediate Income with Booster | 6 | 0/50 | |||
7 | 0/55 | ||||
8 to 12 | 0/60 | ||||
Deferred Income | 7 | 0/50 | |||
8 | 0/55 | ||||
9 to 12 | 0/60 |
 *Condition apply
*Applicable Goods and Services Tax will be charged as per applicable rates. The tax laws are subject to amendments from time to time
The minimum Basic Sum Assured on Death will correspond to the minimum annualized premium and vary by the Death Benefit multiple as per age of entry of the Life Assured. The maximum Basic Sum Assured on Death will be subject to board approved underwriting policy.
Premium Payment Frequency: Yearly, Half-Yearly, Monthly
Premium and Benefits will vary depending upon the plan variant chosen.
#Bonuses: Bonuses will be applied through the simple bonus method. Cash Bonuses may be declared annually throughout the policy term for all three variants, and will be expressed as a proportion of the Annualized Premium. For a new policy sold with Date of Commencement of Risk on or after April 1 in any financial year, there may not be any Cash Bonus rate declared for such policies when the Survival Benefit becomes due to be paid. In such circumstances, the Company will pay a fixed cash income benefit in lieu of Cash Bonus. This fixed cash income benefit will be based on a non-participating Cash Income rate (declared by the Company annually in advance and same as the cash bonus rate declared) and once declared shall remain guaranteed to be paid as part of Survival Benefit as and when it is due. Such payments in the form of fixed benefit shall continue till a Cash Bonus rate (as applicable for the policy) is declared and the Cash Bonus benefit, if declared, becomes payable at the next benefit due date separate Terminal Bonus may be declared under each variant, and will be payable on death, surrender and maturity, respectively, for a premium paying or a fully paid policy. Please refer to the sales brochure for more details.
++ You have the option to utilize the balance in the Savings Wallet to offset any premiums due to be paid during the premium payment term. The same has to be provided to Us as a request prior to the premium due date. Upon receipt of such request and confirmation of the same, We shall automatically deduct the authorized amount on the premium due date from the Savings Wallet. If the amount available for offset is not sufficient to adjust the due premium, the balance due premium shall remain payable by You as on the premium due date. We shall recognize the settlement of due premium only after receipt of the same in full. Please refer to the sales brochure for more details.
*This regular income will consist of Guaranteed Income (GI) and Cash Bonus (CB) linked to declared bonuses, payable until policy maturity, death, surrender, or lapse, whichever occurs first.Â
BEWARE OF SUSPICIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
IRDAI CAUTIONS PUBLIC AGAINST SPURIOUS CALLS AND FICTITIOUS OFFERS
© 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. O‑.: ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Tel.: 40391600. Customer helpline number – 1800 2660. 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 Gold UIN:105N190V04 . Advt. No.: W/II/0589/2025-26
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:CA 0001) 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.