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Life Insurance

Tax Saving Life Insurance Solutions & Plans

This year get an early start. Invest in our tax-efficient life insurance solutions

iProtect Smart


ICICI Pru iProtect Smart, a Term Insurance Plan


trade  Guaranteed payout for 34 critical illnesses* which includes cancer of specified severity, heart attack, kidney failure etc.


lock  In case of permanent disability due to accident, all future premiums would be waived off and policy would continue


save  Double accidental death benefit#. Maximum amount that can be availed is Rs.2 crore and will be paid as a lump sum


tax  Option to increase life cover at key stages^


tax  Tax benefits up to Rs.54,075@ u/s 80C & 80D



Product features


saving suraksha


ICICI Pru Savings Suraksha, a non-linked insurance plan with
guaranteed benefits:


save  Life Cover: Secure your family’s future with the benefit of life insurance cover


rupess  Savings with Guarantees: At maturity, you will receive Guaranteed Maturity Benefit, Guaranteed Additions & Bonuses (if any) Conditions Apply


save  Flexibility: Choose payment term, mode, policy term and Sum Assured as per your need


tax  Tax Benefits: Get tax benefits on premiums paid and benefits received, as per prevailing tax laws


Product features


Disclaimer: Terms and conditions of ICICI Bank and third parties apply. ICICI Bank is not responsible for third party products, goods, services and offers. Usage of any third party product / service shall constitute a contract between the user and the third party. Nothing contained herein shall constitute or be deemed to constitute an advice, invitation, offer or solicitation to sell/purchase any products/services of ICICI Bank or any third party. The tax write up above is for the general understanding and reference. The user needs to verify all the facts, law and contents with the text of the prevailing statutes and seek appropriate professional advice before acting on the basis of any information contained herein as the taxation implications may vary depending upon the facts in each case/interpretation by tax authorities and the tax laws are subject to change from time to time. ICICI Bank Ltd expressly disclaims any liability to any person, in respect of anything done or omitted to be done by any such person by placing reliance upon the contents of this write-up.


*The critical illness benefit is an accelerated benefit and the death benefit will be reduced by the critical illness cover paid to the policyholder. This is available only under Life & Health and All in One Options. To know more about the illnesses covered, please refer to the sales brochure.

#This feature is only available under ICICI Pru iProtect Smart – Life Plus and All in One Options.

@Tax benefit of Rs. 54,075 is calculated at highest tax slab rate of 30.9% (including Cess) on insurance premium of Rs 1,50,000 u/s 80C/80CCC and health premium of Rs 25,000 u/s 80D of the Income Tax Act, 1961.

^This feature is only available under ICICI Pru iProtect Smart – Life Option

Conditions Apply: Guaranteed benefits are payable subject to all due premiums being paid and the policy being in force. Your Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured and gender and may be lower than your Sum Assured. Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium. Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any (this is in addition to what is mentioned).

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 Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat is a corporate agent (Composite, COR no.: CA0112 valid till 31/03/2019) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife") having its registered office at ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is underwritten by ICICI Prulife. ICICI Bank's customer's participation in the policy is entirely voluntary.

The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by ICICI Prulife from time to time. ICICI Bank is acting merely as a corporate agent of ICICI Prulife. Participation by ICICI Bank's is on a purely voluntary basis and there is no direct or indirect linkage between the provision of the banking services offered by ICICI Bank to its customers and insurance company products/ services. ICICI Bank shall not be liable or responsible for any loss resulting from insurance company's products/ services.

General disclaimers

ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN:L66010MH2000PLC127837.

© 2015, ICICI Prudential Life Insurance Company Limited. Registered Address: - ICICI PruLife Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025.

For more details on the risk factors, term & conditions please read sales brochure carefully before concluding the sale. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). Trade Logo displayed above belongs to ICICI Bank Ltd & Prudential IP services Ltd which shall be used by ICICI Prudential Life Insurance Company Limited under Registered License No.105 Advt No. W/II/0690/2016-17.

Tax benefits under the policy are subject to conditions under Sec. 80C, 80D and Sec 10(10D) of the Income Tax Act, 1961. Service tax and applicable Cesses will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time.

  • IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
ICICI Pru Savings Suraksha,UIN:105N135V01, Form No:E11,E12 ; ICICI Pru iProtect Smart: Form No.: T46, T47. UIN: 105N151V01.