This plan helps youngsters and first time investors to set aside small regular savings from their monthly income for wealth creation and tax-benefits
By investing
₹1.7 Lakh everyyear for 7 years
You get
₹20.07 Lakh in return
Answer a few easy questions to get a custom quote just for you!
1 Conditions Apply
Nidhi is a 35 year old Marketing professional. She wants to create an alternate source of income for herself so that she can plan to retire early. She decides to invest in ICICI Pru Guaranteed Income For Tomorrow - Income Plan option8
She also gets tax benefits4 on both premiums paid and benefits received
Nidhi can also get Guaranteed Income" when she wants with Save the Date5 feature
Configure my plan
year Legacy
Lives covered as on March 31, 2021
Benefits paid up to March 31, 2021
in life category, by FICCI Insurance Industry 2021
in life category, by FICCI Insurance Industry 2021
Although a savings plan is suitable for all ages, the right time to buy it is as soon as possible. If you have a family to look after and want to secure their future in your absence, a savings plan can help you. The returns from such plans increase with time and can cover expenses like children’s education, loans repayments, etc.
The tenure of the policy can be between 5 and 20 years basis plan selected. The minimum age at the time of policy maturity should be 18 years, and the maximum age at the time of policy maturity should be 65 years or less.
Yes, one will get additional maturity benefits for buying this plan online as mention below
| Plan options | Plan options |
|---|---|
| Income | 2.5% of Guaranteed Income |
| Early Income | 3.5% of Guaranteed Income |
| Lump Sum(Limited Pay) | 2.5% of Sum Assured on Maturity |
| Lump Sum(Single Pay) | 1.0% of Sum Assured on Maturity |
Premium paying modes available under this plan are Single Pay, Monthly, Half-Yearly and Yearly.
If you have reached the bar for surrender value, you will be given the surrender value if you discontinue the plan. You will receive the guaranteed surrender value and the cash value of the vested bonuses. However, if your policy has not reached the surrender value, you will not receive any benefits.
To view or download your premium paid certificate, click here and enter your policy number and date of birth.
(https://www.iciciprulife.com/services/download-premium-paid-certificate.html)
To update life insurance policy related details, click here.
The first step involves reporting your claims. You can report your claims online, at our branches, at our central office, on our central ClaimCare helpline, through SMS or e-mail~
Our special ClaimCare team will assess your claim, and inform you in case any further documents need to be submitted.
Once your claim is intimated, and we receive all the relevant documents, decision will be made on your claim.
~Claim will be formally registered after we receive a written request of your claim at our branch or Claims Cell office. Physical documents will be required to start the process.
Your nominee can report a claim in various ways:
To get a list of the documents* required while reporting a Death Claim, Please click here .
*Recent passport size photograph and Pan Card copy/Form 16 is mandatory of claimant.
1 Guaranteed benefits in the form of lump sum will be payable under Lump Sum Plan option. Guaranteed benefits in the form of regular income will be payable under Income Plan option and Early Income Plan option. Guaranteed benefits are payable subject to all due premiums being paid.
2 Guaranteed Early Income is the income that you receive from 2nd year during your policy term. The frequency of Guaranteed Early Income is same as that of your premium payment. Benefits from 2nd year onwards is available under the Early Income plan option
3 Life insurance cover is the benefit payable on death of the life assured during the policy term.
4 Tax benefits of ₹ 54,600(₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 31.20%(including cess excluding surcharge) on life insurance premium u/s 80C of ₹ 1,50,000 and health premium u/s 80D of ₹ 25,000. 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.
5 Save the Date: You can choose to receive income on any one date succeeding the due date of first income to coincide with any special date.
6 Loan amount up to 80% of the surrender value can be availed
7 Additional Maturity Benefit is offered for online sales: For Lump Sum Plan option, 2.5% of Sum Assured on Maturity is applicable for Limited pay. In case of Single Pay in Lump Sum Plan option, 1% of Sum Assured on Maturity is applicable. For Income Plan option, 2.5% of Guaranteed Income is applicable. For Early Income Plan option, 3.5% of Guaranteed Income is applicable. For Single Pay Income Plan option, 1% of Guaranteed Early Income is applicable.
"Guaranteed Income is the income that you receive during the Income Period under Income and Early Income plan options.
8 ICICI Pru Guaranteed Income For Tomorrow offers four plan options namely 'Lump sum', 'Income', 'Early Income' and 'Single Pay Income'. The customer can choose any plan option from the four available options. Please refer to the product brochure for more details.
9 The total income is calculated for a 35-year-old healthy female with a premium paying term of 10 years, policy term of 11 years and income period of 10 years taking income in annual instalment under Income plan option in online mode. The premium shown is exclusive of taxes and the mentioned annual income of Rs. 197884 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 total income is calculated for a 30-year-old healthy male paying premium in monthly mode for 10 years, policy term of 11 years and income period of 10 years taking income in annual instalment under Income plan option of ICICI Pru Guaranteed Income for Tomorrow policy purchased in online mode. 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
**Calculated for a 30-year-old healthy male paying premium in monthly mode for 7 years and a policy term of 15 years for Lump Sum plan option of ICICI Pru Guaranteed Income for Tomorrow policy purchased in online mode. 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
^Calculated for a 25 year old healthy male paying premium in monthly mode for 7 years, policy term of 15 years for a lumpsum plan option of ICICI Pru Guaranteed Income for Tomorrow in online mode. 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.
0 - Data regarding lives covered is as per Annual report 2020 – 2021. Please refer the same for further details
! - As per financial statement ( Schedule 4- benefits paid (Gross) of the company, benefits paid since inception up to march 31, 2021
@ - ICICI Prudential Life Insurance adjudged winner in the Life Insurance category for "Excellence in Claims and Customer Experience" by FICCI Insurance Industry Awards, September 2021 (Validity of the award is 1 year)
& - ICICI Prudential Life Insurance adjudged winner in the Life Insurance category for "Innovation During COVID 19" by FICCI Insurance Industry Awards 2021, September 2021 (Validity of the award is 1 year
(c) ICICI Prudential Life Insurance Company Limited. IRDAI Regn. No. 105. CIN: L66010MH2000PLC127837. ICICI Prudential Life Insurance Company Limited. Registered Address: ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a 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. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). ICICI Pru Guaranteed Income for Tomorrow. UIN: 105N182V03. Advt. No.: W/II/4339/2021-22.
The above listed insurance products are available online with ICICI Securities Ltd. For details on the complete list of all insurance products please get in touch with your Relationship Manager.
ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 2288 2460, 022 - 2288 2470. I-Sec acts as a Composite Corporate agent having registration number –CA0113. Please note, Insurance related services are not Exchange traded products and I-Sec is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. Insurance is the subject matter of solicitation. ICICI Securities Ltd. does not underwrite the risk or act as an insurer. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale.
The information mentioned herein above is onl for consumtion b the client and such material should not be redistributed
The information contained herein is strictly confidential and meant solely for the selected recipient and may not be altered in any way, transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without prior written consent of ICICI Securities Limited. The contents of this mail are solely for informational purpose and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product. While due care has been taken in preparing this mail, I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any inaccurate, delayed or incomplete information nor for any actions taken in reliance thereon. This mail is not directed or intended for distribution to, or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication, availability or use would be contrary to law, regulation or which would subject I-Sec and affiliates to any registration or licensing requirement within such jurisdiction.
BEWARE OF SPURIOUS/FRAUD PHONE CALLS!
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.
