Disclaimers
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year
URisk factors and warning statements
This advertisement is designed for a combination of benefits of two individual and separate products named, 1) ICICI Pru Signature and 2) ICICI Pru Guaranteed Income For Tomorrow. These products are also available for sale individually without the combination offered/suggested. The benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale
*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. Goods and Services 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 more details.
*1Tax benefit of 80C is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium. The premium of ₹ 3,479 per month used to calculate Tax Saving is calculated for a healthy non-smoker 35-years-old male with monthly mode of payment and premiums paid regularly for the policy term of 30 years with income payout option (income for 10 years) with Life Cover of ₹1 crore.
^1The premium ₹8982 p.m. is calculated for a 40-year-old healthy male with the monthly mode of payment, premiums paid for 12 years for the policy term of 40 years and life cover of ₹1 crore. The premium shown is inclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.
^2Tax benefit of 80C is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium. The premium of ₹939 per month used to calculate Tax Saving is calculated for a healthy non-smoker 32-years-old female with monthly mode of payment and premiums paid regularly for the policy term of 30 years with Lumpsum payout with Life Cover of ₹1 crore and Critical Illness cover of ₹ 20 lakh under Life & Health option.
^4Calculated for a 30-year-old healthy male paying Rs. 1 Lakh annually with a premium paying term of 10 years and a policy term of 20 years for Limited pay option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted. The tax saving amount shown is for maturity benefit @8% ARR.
^3Calculated for a 35-year-old healthy male paying Rs. 2.5 Lakh annually with a premium paying term of 10 years and a policy term of 20 years for Limited pay option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted
*3For tax calculation 35 year old healthy male is considered with premium payment term being 10 years and policy term 20 years. Tax benefits under the policy are subject to conditions under Sections 80C, 10(10D),115BAC and other provisions of the Income Tax Act, 1961. Goods and Services Tax and Cesses, if any, will be charged extra as per prevailing rates.
^Guaranteed Benefits will be payable subject to all due premiums being paid
3Return of Premium: is available on survival of life assured till the completion of the policy term, for a fully paid policy. This will be 100% of Total premiums paid i.e. the total of all the premium paid under the base product, excluding any extra premium, rider premium and taxes, if collected explicitly. On completion of the policy term and payment of maturity benefit, the policy will terminate and all rights, benefits and interests under the policy will stand extinguished.
5The total amount is calculated for a 30-year-old healthy male with a premium paying term of 12 years, deferment period of 2 years, income period of 30 years taking income in annual instalment under Level Income plan option. The premium shown is exclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.
ADVT No.: W/II/1696/2024-25
©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 – 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.
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 apolice complaint.