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ICICI Life Signature Online
ICICI Life Signature is a Unit-Linked Insurance Plan (ULIP) that combines savings and protection. It provides a life cover to financially secure your family and offers flexible savings options to help you achieve your financial goals.
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List of ULIP Funds ~
Fund Name
AUM
NAV
Returns (in %)
3 Year
5 Year
10 Year
Midcap Fund
SBI Life
AUM:64,395 Cr
64,395 Cr
NAV
49.05
-49.05%
Returns
13.87%
Opportunities Fund
HDFC Life
AUM:32,429 Cr
32,429 Cr
NAV
76.53
0.12%
Returns
10.33%
High Growth Fund
Axis Max Life
AUM:15,356 Cr
15,356 Cr
NAV
119.46
-0.02%
Returns
20.3%
Highest Returns
Opportunities Fund
ICICI Life
AUM:3,711 Cr
3,711 Cr
NAV
58.97
-0.29%
Returns
9.59%
Multi Cap Fund
Tata AIA Life
AUM:11,642 Cr
11,642 Cr
NAV
66.38
-66.38%
Returns
12.11%
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Disclaimer :
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
What is ICICI Pru Signature Online?
ICICI Pru Signature is a Unit Linked Insurance Plan (ULIP) focused on savings and protection. It provides life cover and flexible savings options, along with potential tax benefits. The ULIP plan offers wealth boosters, return of mortality and policy administration charges (excluding Whole Life option), and systematic withdrawal options. Customers can choose from various portfolio strategies and funds, with the option to switch between them, but unit-linked products have a 5 year lock-in period. The policy also provides options for maturity benefits, death benefits, and partial withdrawals, with certain conditions applied. Moreover, it offers features such as premium redirection, top-ups, and the ability to increase or decrease the sum assured, subject to specific terms and conditions. ICICI Pru Signature presents itself as an investment that meets varied financial goals, including securing a family's future.
Key Features of ICICI Pru Signature Online
Below are the key features of ICICI Pru Signature Online:
-
Life Cover: Provides financial security for your family throughout the policy term.
-
Wealth Boosters: Extra units are added to your policy at the end of every 5th policy year, starting from the 10th policy year until the end of the term, and as investors often ask which SIP is best for achieving long-term financial goals, each Wealth Booster equals 3.25% of the average fund values on the last business day of the last eight policy quarters, with allocation guaranteed.
-
Systematic Withdrawal Plan (SWP): Allows regular money withdrawals from your policy.
-
Flexible Options: Offers a choice of 4 portfolio strategies and a wide range of funds across equity, balanced, and debt categories.
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Whole Life Option: Enjoy policy benefits until 99 years of age. The policy term will be 99 minus the age at entry.
-
Premium Allocation: The entire premium is allocated among your chosen funds without deductions.
-
Return of Charges: Mortality and Policy Administration Charges are added back to the fund value at maturity (excluding extra mortality charges and taxes, and not applicable for the Whole Life option).
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Settlement Option: Maturity benefits can be received as a lump sum or as periodic payouts.
-
Free Switches: Unlimited free switches between funds are available for the Fixed Portfolio Strategy.
-
Change in Portfolio Strategy (CIPS): Switch among available Portfolio Strategies up to four times a year, free of cost.
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Premium Redirection: Change the premium split for the Fixed Portfolio Strategy without charge. The new split applies to future premiums.
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Top-up: Save surplus money as Top-up premium.
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Increase/Decrease in Sum Assured: Option to change your Sum Assured during the policy term.
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Increase in Policy Term: Option to increase your policy term (decreasing is not allowed).
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Increase/Decrease in Premium Payment Term: Option to change the Premium Payment Term (decreasing is not allowed), provided all due premiums have been paid.
Eligibility Criteria of ICICI Pru Signature Online
| Feature | Policies other than Whole Life | Whole Life Option |
| Minimum Entry Age | 0 years | 0 years |
| Maximum Entry Age | 60 years | 60 years |
| Minimum Maturity Age | 18 years | 99 years |
| Maximum Maturity Age | 75 years | 99 years |
| Minimum Premium | ₹30,000 p.a. – Unlimited | ₹60,000 p.a. – Unlimited |
| Minimum Sum Assured (Age 0-49) | 7 X Annualized Premium | 7 X Annualized Premium |
| Maximum Sum Assured (Age 0-49) | 10 X Annualized Premium | 10 X Annualized Premium |
| Minimum Sum Assured (Age 50+) | 5 X Annualized Premium | 5 X Annualized Premium |
| Maximum Sum Assured (Age 50+) | 10 X Annualized Premium | 10 X Annualized Premium |
| Premium Payment Term (PPT) | Minimum 5 years, 10 years, 15 years | Limited Pay-Whole life option: Maximum 12 years, 15 years Regular Pay: Same as policy term |
| Policy Terms | 15-30 years | Equal to 99 minus Age at entry |
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| Bandhan Life Debt Fund | ₹40.12 | ₹91 Cr | 5.17% | 6.06% | |
| Bandhan Life Secure Fund | ₹29.04 | ₹48 Cr | 5.27% | 4.5% | |
| Bandhan Life Blue Chip Equity Fund | ₹29.84 | ₹189 Cr | 6.73% | 10.35% | |
| Bandhan Life Stable Fund | ₹32.23 | ₹14 Cr | 4.66% | 7.96% | |
| Bandhan Life Accelerator Fund | ₹47.03 | ₹195 Cr | 8.73% | 11.98% | |
| Bandhan Life Opportunity Fund | ₹40.78 | ₹238 Cr | 12.77% | - | |
| Aegon Balanced | ₹43.87 | ₹12 Cr | 5.12% | 8.08% | |
| Aegon Enhanced Equity | ₹67.26 | ₹104 Cr | 8.71% | 11.44% | |
| Aegon Pension Balanced | ₹50.09 | ₹2 Cr | 5.99% | 8.62% | |
| Aegon Pension Debt | ₹31.88 | ₹4 Cr | 4.95% | 5.84% | |
| Aegon Pension Enhanced Equity | ₹109.67 | ₹15 Cr | 9.15% | 11.73% | |
| Aegon Pension Index | ₹82.78 | ₹5 Cr | 4.49% | 9.83% | |
| Aegon Pension Secure | ₹28.89 | ₹1 Cr | 4.71% | 4.91% | |
| Aegon Life Group Equity Fund | ₹58.03 | ₹11 Cr | 9.71% | - |
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Benefits of ICICI Pru Signature Online
Below are the benefits of ICICI Pru Signature Online:
-
Death Benefit
In case of death of the Life Assured, the nominee/legal heir receives the highest of:
-
Sum Assured (including Top-up Sum Assured, if any)
-
Minimum Death Benefit (105% of total premiums, including Top-up premiums, if any, received up to the date of death)
-
Fund Value (as on the date of death intimation, Foreclosure, or Maturity, whichever is earlier)
-
-
Maturity Benefit
On maturity, you receive the Fund Value, with the option for lump sum or structured payouts via the Settlement Option.
-
Partial Withdrawal Benefit
After the lock-in period, make unlimited partial withdrawals (up to 20% of the Fund Value in a policy year), free of cost, provided the monies are not in the Discontinued Policy Fund. SWP is available under this facility.
Additional Details of ICICI Pru Signature Online
-
Premium Allocation Charge: Nil.
-
Fund Management Charge (FMC): Applicable and adjusted from the NAV daily. Varies by fund.
-
Policy Administration Charge: Levied monthly by unit redemption.
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Mortality Charges: Levied monthly by unit redemption based on the Sum at Risk.
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Discontinuance Charges: Applicable as per policy terms (vary by policy year and annual premium). No charge for Top-up premiums.
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Surrender: Allowed after the lock-in period. During the lock-in, the fund value moves to the Discontinued Policy Fund.
-
Policy Revival: Available within a specified period.
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Suicide Clause: If suicide occurs within 12 months of commencement or revival, only the Fund Value is payable.
FAQs
-
What is the Settlement Option in ICICI Pru Signature Online?
The Settlement Option allows you to receive the Maturity Benefit as structured payouts over one to five years. Payments can be yearly, half-yearly, quarterly, or monthly. -
What is the Free Look Period?
You have 30 days from receiving the Policy Document to review the policy terms and conditions. If you are not satisfied, you can return the policy with reasons for cancellation. -
How can I secure my family under the Married Women’s Property Act (MWPA)?
You have the option to secure the policy for the benefit of your wife and children under Section 6 of the MWPA, 1874. This protects the funds from creditors and claimants. -
What is Premium Redirection in ICICI Pru Signature?
If you have selected Fixed Portfolio Strategy, at policy inception, you specify the funds and the proportion in which the premiums are to be saved in the funds. At the time of payment of subsequent premiums, the split may be changed without any charge. -
What is Automatic Transfer Strategy (ATS) within the Fixed Portfolio Strategy?
If you choose Automatic Transfer Strategy (ATS) you can save all or part of your savings in Secure Opportunities Fund, Money Market Fund, Income Fund and/or Constant Maturity Fund and transfer a fixed amount in regular instalments into other funds. There are no additional charges for ATS. -
What are Wealth Boosters in ICICI Pru Signature Online?
Wealth Boosters are extra units that are allocated to your policy at the end of every 5th policy year starting from the end of 10th policy year till the end of your policy term. Each Wealth Booster will be equal to 3.25% of the average of the Fund Values on the last business day of the last eight policy quarters.
Insurers Offering ULIPs
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ