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ICICI Prudential Life Insurance Company Ltd. (ICICI Prudential Life Insurance) is a joint venture between ICICI Bank Limited and Prudential Corporation Holdings Ltd. The insurer started operations in 2001. It offers a comprehensive range of insurance plans, including term, pension, child, ULIP, and group plans. In FY 2015, ICICI Prudential Life Insurance became the first private life insurance company to be registered under the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
As of March 31, 2026, the company reported assets under management (AUM) of over 3,136.34 billion and provided insurance coverage to more than 9.17 crore lives. ICICI Prudential Life also maintained a strong claim settlement ratio of 99.3% in FY2025 and paid benefits worth over ₹46,182 crore, reflecting its strong customer trust and financial stability.
ICICI Prudential Life Insurance offers various life insurance solutions that cater to different financial needs, such as wealth creation, child education, retirement planning, and securing your family's future. Key Reasons to Choose ICICI Prudential Life Insurance are:
Note: Know more about what is term life insurance first before reading this article.
As of 17 July, ICICI Prudential Life Insurance Company shares were trading at ₹501.70 on the NSE, down 1.41% during the trading session.
| Day Change | Day High | Day Low | 52-Week High | 52-Week Low | Opening Price |
| -1.41% | ₹508.00 | ₹496.65 | ₹706.80 | ₹491.00 | ₹507.60 |
Below are the term plans offered by ICICI Prudential Life Insurance Company. Take a look:
ICICI Prudential Life Insurance offers a Critical Illness Rider that protects against life-threatening diseases financially. This optional add-on covers major illnesses like cancer, heart attack, stroke, and kidney failure, ensuring you receive a lump sum payout upon diagnosis. The benefit amount can be used to manage hospital bills, medical expenses, doctor's fees, and recovery costs, allowing you to focus on getting better without financial worries. Additionally, ICICI Prudential Life Insurance extends its coverage to women-specific critical illnesses, such as breast cancer, cervical cancer, and ovarian cancer, providing enhanced support for women during tough times. This rider protects your family's financial stability, even during unexpected medical crises.
| Cancer of specified severity | Angioplasty | Myocardial Infarction (First Heart Attack - of specified severity) |
| Heart Valve Surgery (Open Heart Replacement or repair of Heart Valves) | Surgery to aorta Heart and Artery Benefit | Cardiomyopathy |
ICICI Prudential Life Insurance plans come with a range of riders that can either be in-built or added separately to enhance the base coverage of your policy. These riders provide additional protection and financial security for you and your family during unforeseen events. For instance, ICICI Prudential Life Insurance offers Terminal Illness Benefit and Waiver of Premium (WOP) as in-built features at no extra cost. Other riders can be included at a nominal additional premium to strengthen your coverage.
Here is the complete list of riders offered by ICICI Prudential Life Insurance:
| 100 % Payout on terminal Illeness (free) | Extra payout on accidental death (paid) |
| Cover against 34 Critical Illenesses (paid) | Waiver of premium covered |
Choosing the right life cover is crucial as it ensures your family's financial stability in your absence. The sum assured should be sufficient to cover ongoing financial obligations, loans, and living expenses for your loved ones. To estimate the ideal life cover, use the Human Life Value Calculator provided by ICICI Prudential, which considers your income, liabilities, and lifestyle expenses.
As a general rule of thumb, it is recommended that you opt for life insurance coverage that covers 10 to 20 times your current annual income.
For example, if you are 30 years old with an annual income of ₹10 lakhs, your ideal life cover should be around ₹2.5 crores. This amount will help your family clear any outstanding loans, manage daily expenses, and stay financially secure, even in your absence.
When choosing an ICICI Life insurance plan for the family's financial protection, one important factor is deciding on the right sum assured. The following is a list of term plans with different sum assured options.
Our term life insurance calculator in india can help you calculate the following:
ICICI Prudential Life Insurance has earned the trust of millions of policyholders by combining strong financial stability, reliable claim settlement, and customer-focused services. Here are some of the key reasons why it stands out:
Financially Strong Insurer: Backed by ICICI Bank and Prudential Corporation Holdings Limited, the company maintains a healthy solvency ratio and manages one of the largest asset portfolios among private life insurers.
Wide Range of Insurance Solutions: From term insurance and ULIPs to savings, retirement, child, and health plans, ICICI Prudential offers solutions for different life stages and financial goals.
Digital-First Customer Experience: Customers can buy policies online, pay premiums, update policy details, register claims, and access services through the website, mobile app, WhatsApp, and self-service portals.
Flexible Plan Features: Many plans offer optional riders and customizable benefits, allowing policyholders to tailor their coverage according to their protection and financial needs.
Industry Recognition: The company has received several industry awards and recognitions for its customer service, digital innovation, and insurance solutions, reinforcing its reputation as a trusted life insurer.
Here is a list of all the ICICI Prudential Life Insurance Benefits you need to know before buying an ICICI life insurance plan.
Financial Protection: ICICI Prudential Life Insurance plans offer financial security for your loved ones in case of your untimely death. Group plans also protect employees in organizations.
High Claim Settlement Ratio: The company has a strong Claim Settlement Ratio of 99.3% for the financial year 2024-25, indicating that most claims filed are successfully settled.
Reputed Insurance Provider: Established in 2001, ICICI Prudential is a joint venture between ICICI Bank and Prudential Corporation Holdings. It has received numerous awards and was the first private life insurer to manage assets of ₹1 trillion.
Budget-friendly Premiums: ICICI Prudential offers comprehensive plans at affordable rates. They provide a lifetime discount of 15% on premiums for female customers and an additional 15% discount on the first year's premiums for salaried women.
Critical Illness & Disability: Optional riders provide lump-sum payouts to cover treatments for up to 60 critical illnesses (like cancer) and accidental permanent disability.
Online Customer Services: Customers can manage their policies easily through the ICICI Life Insurance Login Portal, where they can pay premiums, update personal information, and track claims.
*Note: If you want to know the premium amount of your term insurance plan quickly, you can use the term insurance calculator.
Below are the different types of life insurance plans offered by ICICI Prudential Life Insurance Company. Take a look:
The term life insurance policy helps protect your family's future and ensures they lead their lives comfortably without any financial worries, even in your absence. These ICICI Prudential term insurance plans offer a death benefit to your family in the event of your unfortunate death during the policy term. Your family can use this amount to live comfortably and pay off their debts. Some of these also offer the benefits of term insurance with return of premium plans. Let's understand them here:
| Plan Name | Entry Age | Maximum Maturity Age | Policy Term |
| ICICI Pru iProtect Smart | 18 - 65 years | 99 years | 5 - 81 years |
| ICICI Pru Protect and Gain | 18 - 60 years | 90 years | 30 - 40 years |
| ICICI Pru iProtect Smart Return of Premium (ROP) | 18 - 55 years | 85 years | 20 - 40 years |
| ICICI Pru Saral Jeevan Bima | 18 - 65 years | 70 years | 5 - 40 years |
| ICICI Pru iCare II | 18 - 65 for RP (Regular pay) 18 - 60 years for SP (Single pay) | 85 years | 5 - 67 for RP 5/10 for SP |
| ICICI Pru Precious Life | 18 - 65 years | 70 years | 5 - 40 years |
| ICICI Pru Life Raksha | 18 - 60 years | 65 years | 5 years |
| ICICI Pru Loan Protect | 18 - 65 years | 70 years | 5 - 30 years |
| ICICI Pru Loan Protect Plus | 18 - 65 years | 70 years | 5 - 30 years |
| ICICI Pru iProtect Supreme | 18 - 55 years | 85 years | Min: 20 years |
| ICICI Pru iProtect Super | 18 - 55 years | 85 years | Min: 20 years |
Some ICICI Term plans also offer the benefits of term insurance with return of premium.
These ICICI Prudential Life Insurance plans are unit-linked insurance plans which help you manage your funds based on your risk appetite. These life insurance products allow you to increase your wealth over time while providing security against life's uncertainties. ULIP Plans offered by ICICI Prudential Life Insurance Co. Ltd are:
| Plan Name | Entry Age | Maximum Maturity Age | Policy Term |
| ICICI Pru Signature Online | 0 - 60 years | 75/99 years | 10 - 30, 99 years |
| ICICI Pru1Wealth | 15 - 60 years | 70 years | 10 years |
| ICICI Pru Life Time Classic | 0 - 75 years | 80 years | 5 - 30 years |
| ICICI Pru Guaranteed Wealth Protector | 8 - 70 years | 80 years | 10 - 12 years |
| ICICI Pru Smart Kid | 20 - 54 years | 64 years | 10 - 25 years |
| ICICI Pru Smart Couple Plan | 20 - 54 years | 64 years | 10 - 25 years |
| ICICI Pru EzyGrow | 0 - 55 years | 70 years | 15 - 40 for RP 99 - age at entry for LP |
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns |
|---|---|---|---|---|
| ICICI Prudential Life Easy Retirement Balanced Fund | ₹28.13 | ₹272 Cr | 6.24% | 7.28% |
| ICICI Prudential Life Easy Retirement Secure Fund | ₹24.65 | ₹55 Cr | 5.17% | 6.37% |
| ICICI Prudential Life Money Market Fund | ₹29.89 | ₹2192 Cr | 5.69% | 5.84% |
| ICICI Prudential Life Income Fund | ₹33.41 | ₹6434 Cr | 5.3% | 6.61% |
| ICICI Prudential Life Multi Cap Balanced Fund | ₹44.59 | ₹1677 Cr | 8.81% | 9.04% |
| ICICI Prudential Life Bluechip Fund | ₹46.28 | ₹3987 Cr | 9.28% | 10.62% |
| ICICI Prudential Life Opportunities Fund | ₹61.38 | ₹3627 Cr | 13.3% | 12.6% |
| ICICI Prudential Life Maximiser Fund V | ₹55.18 | ₹44642 Cr | 10.85% | 10.6% |
| ICICI Prudential Life Multi Cap Growth Fund | ₹56.97 | ₹17071 Cr | 11.15% | 10.61% |
| ICICI Prudential Life Maximise India Fund | ₹29.89 | ₹772 Cr | 10.69% | 11.43% |
| ICICI Prudential Life Active Asset Allocation Balanced Fund | ₹20.39 | ₹2354 Cr | 7.81% | - |
| ICICI Prudential Life Focus 50 Fund | ₹19.79 | ₹3402 Cr | 8.26% | - |
| ICICI Prudential Life Value Enhancer Fund | ₹24.71 | ₹8007 Cr | 13.16% | - |
| ICICI Prudential Life Secure Opportunities Fund | ₹16.42 | ₹401 Cr | 5.17% | - |
| ICICI Prudential Life India Growth Fund | ₹24.23 | ₹8335 Cr | 10.98% | - |
| ICICI Prudential Life Balanced Advantage Fund | ₹15.19 | ₹2948 Cr | - | - |
| ICICI Prudential Life Mid Cap Fund | ₹20.39 | ₹8319 Cr | - | - |
| ICICI Prudential Life Sustainable Equity Fund | ₹14.33 | ₹1200 Cr | - | - |
| ICICI Prudential Life Mid Cap Hybrid Growth Fund | ₹18.03 | ₹1915 Cr | - | - |
| ICICI Prudential Life Constant Maturity Fund | ₹11.95 | ₹204 Cr | - | - |
| ICICI Prudential Life Mid Cap Index Fund | ₹14.68 | ₹2350 Cr | - | - |
| ICICI Prudential Life Mid Cap 150 Momentum 50 Fund | ₹11.22 | ₹1003 Cr | - | - |
| ICICI Prudential Life Multicap 50 25 25 Index Fund | ₹11.68 | ₹1087 Cr | - | - |
| ICICI Prudential Life MidSmall Cap 400 Index Fund | ₹11.48 | ₹1157 Cr | - | - |
| ICICI Prudential Life Pension Bluechip Fund | ₹45 | ₹62 Cr | 9.26% | 10.68% |
| ICICI Prudential Life Pension Income Fund | ₹33.51 | ₹156 Cr | 5.45% | 6.83% |
| ICICI Prudential Life Pension Money Market Fund | ₹29.62 | ₹38 Cr | 5.6% | 5.77% |
| ICICI Prudential Life Pension Multi Cap Balanced Fund | ₹41.31 | ₹35 Cr | 8.81% | 8.69% |
| ICICI Prudential Life Pension Multi Cap Growth Fund | ₹53.29 | ₹382 Cr | 11.4% | 10.15% |
| ICICI Prudential Life Pension Opportunities Fund | ₹60.86 | ₹156 Cr | 12.09% | 12.28% |
| ICICI Prudential Life Pension India Growth Fund | ₹10.37 | ₹59 Cr | - | - |
| ICICI Prudential Life Pension Balanced Fund | ₹10.89 | ₹3 Cr | - | - |
| ICICI Prudential Life MidSmallCap 400 Momentum Quality 100 Index Fund | ₹9.29 | ₹746 Cr | - | - |
| ICICI Prudential Life Smallcap 250 Momentum Quality 100 Index Fund | ₹10.55 | ₹482 Cr | - | - |
| ICICI Prudential Life India Consumption Fund | ₹10.07 | ₹501 Cr | - | - |
| ICICI Prudential Life Pension India Consumption Fund | ₹9.84 | ₹22 Cr | - | - |
| ICICI Prudential Life Nifty Alpha 50 Index Fund | ₹10.61 | ₹495 Cr | - | - |
| ICICI Prudential Life Sector Leaders Index Fund | ₹9.57 | ₹238 Cr | - | - |
| ICICI Prudential Balancer | ₹106.96 | ₹696 Cr | 5.95% | 6.96% |
| ICICI Prudential Flexi Balanced | ₹47.34 | ₹49 Cr | 7.59% | 7.55% |
| ICICI Prudential Flexi Growth | ₹62.31 | ₹610 Cr | 10.22% | 8.98% |
| ICICI Prudential Secure Plus | ₹50.47 | ₹9 Cr | 5.85% | 7.13% |
| ICICI Prudential Secure Plus Pension | ₹46.66 | ₹10 Cr | 5.86% | 6.71% |
| ICICI Prudential Multiplier II | ₹52.15 | ₹127 Cr | 9.09% | 10.52% |
| ICICI Prudential Pension Balancer II | ₹83.07 | ₹150 Cr | 7.47% | 8.5% |
| ICICI Prudential Pension Dynamic P-E | ₹35.29 | ₹139 Cr | 7.92% | 7.72% |
| ICICI Prudential Pension Flexi Balanced II | ₹64.21 | ₹33 Cr | 9.33% | 9.66% |
| ICICI Prudential Life Discontinuance Fund - Pension | ₹21.09 | ₹67 Cr | 5.38% | - |
| ICICI Prudential Life Discontinued Fund - Life | ₹26.47 | ₹6123 Cr | 5.5% | - |
| ICICI Prudential Group Balanced Fund II | ₹25.23 | ₹7147 Cr | 5.89% | - |
| ICICI Prudential Group Capital Guarantee Balanced Fund | ₹43.23 | ₹11 Cr | 4.86% | - |
| ICICI Prudential Group Capital Guarantee Balanced Fund II | ₹42.26 | ₹98 Cr | 5.41% | - |
| ICICI Prudential Group Capital Guarantee Balanced Fund III | ₹25.08 | ₹964 Cr | 5.73% | - |
| ICICI Prudential Group Capital Guarantee Growth Fund | ₹41.42 | ₹8 Cr | 5.41% | - |
| ICICI Prudential Group Capital Guarantee Growth Fund II | ₹42.84 | ₹19 Cr | 6.09% | - |
| ICICI Prudential Group Capital Guarantee Growth Fund III | ₹24.23 | ₹281 Cr | 6.86% | - |
| ICICI Prudential Pension Growth Fund | ₹39.18 | ₹2 Cr | 8.78% | 9.41% |
| ICICI Prudential Pension Secure Fund | ₹25.54 | ₹13 Cr | 5.33% | 6.43% |
| ICICI Prudential Balancer II | ₹89.8 | ₹202 Cr | 7.48% | 8.46% |
| ICICI Prudential Cash Plus | ₹49.48 | ₹40 Cr | 5.5% | 6.7% |
| ICICI Prudential Balancer III | ₹49.63 | ₹15 Cr | 5.94% | 6.98% |
| ICICI Prudential Balancer IV | ₹54.58 | ₹11 Cr | 7.36% | 8.57% |
| ICICI Prudential Flexi Balanced III | ₹47.01 | ₹4 Cr | 7.69% | 7.55% |
| ICICI Prudential Flexi Balanced IV | ₹55.4 | ₹7 Cr | 9.26% | 9.19% |
| ICICI Prudential New Investshield Balanced | ₹51.5 | ₹29 Cr | 5.85% | 7.11% |
| ICICI Prudential Pension Balancer | ₹90.52 | ₹146 Cr | 5.94% | 7.01% |
| ICICI Prudential Pension Flexi Balanced | ₹50.27 | ₹24 Cr | 7.64% | 8.04% |
| ICICI Prudential Pension Flexi Growth | ₹66.46 | ₹598 Cr | 10.37% | 9.74% |
| ICICI Prudential Pension Maximiser | ₹320.36 | ₹444 Cr | 9.56% | 10.41% |
| ICICI Prudential Pension Multiplier | ₹39.94 | ₹123 Cr | 8.16% | 9.53% |
| ICICI Prudential Pension Preserver | ₹44.62 | ₹68 Cr | 5.6% | 5.77% |
| ICICI Prudential Pension Protector | ₹52.57 | ₹326 Cr | 5.09% | 6.31% |
| ICICI Prudential Investshield Life | ₹58.96 | ₹8 Cr | 5.94% | 7.02% |
| ICICI Prudential Investshield Pension | ₹57.58 | ₹9 Cr | 5.89% | 6.81% |
| ICICI Prudential Maximiser | ₹297.67 | ₹3736 Cr | 9.72% | 9.74% |
| ICICI Prudential Multiplier | ₹40.59 | ₹206 Cr | 8.13% | 9.55% |
| ICICI Prudential Pension RICH | ₹66.56 | ₹411 Cr | 11.03% | 11.06% |
| ICICI Prudential Preserver | ₹45.16 | ₹170 Cr | 5.62% | 5.8% |
| ICICI Prudential Protector | ₹59.05 | ₹331 Cr | 5.17% | 6.26% |
| ICICI Prudential RICH | ₹58.03 | ₹119 Cr | 11% | 11.05% |
| ICICI Prudential Dynamic P-E | ₹36.21 | ₹359 Cr | 7.98% | 7.85% |
| ICICI Prudential Flexi Balanced II | ₹62.81 | ₹54 Cr | 9.27% | 9.2% |
| ICICI Prudential Flexi Growth II | ₹73.62 | ₹569 Cr | 11.49% | 10.15% |
| ICICI Prudential Health Saver Balancer | ₹53.97 | ₹49 Cr | 7.5% | 8.42% |
| ICICI Prudential Health Saver Flexi Balanced | ₹67.09 | ₹70 Cr | 9.11% | 9.1% |
| ICICI Prudential Health Saver Flexi Growth | ₹89.15 | ₹658 Cr | 11.12% | 9.79% |
| ICICI Prudential Health Saver Multiplier | ₹87.94 | ₹102 Cr | 9.11% | 10.5% |
| ICICI Prudential Health Saver Preserver | ₹32.41 | ₹7 Cr | 5.57% | 5.9% |
| ICICI Prudential Health Saver Protector | ₹41.5 | ₹243 Cr | 6.08% | 7.29% |
| ICICI Prudential Maximiser II | ₹191.8 | ₹864 Cr | 10.73% | 10.71% |
| ICICI Prudential Maximiser III | ₹76.62 | ₹135 Cr | 9.74% | 9.79% |
| ICICI Prudential Maximiser IV | ₹68.09 | ₹17 Cr | 10.52% | 10.56% |
| ICICI Prudential Pension Flexi Growth II | ₹79.17 | ₹449 Cr | 11.18% | 10.71% |
| ICICI Prudential Pension Maximiser II | ₹213.55 | ₹692 Cr | 10.51% | 11.47% |
| ICICI Prudential Pension Multiplier II | ₹47.43 | ₹64 Cr | 9.08% | 10.52% |
| ICICI Prudential Pension Protector II | ₹53.58 | ₹122 Cr | 6.1% | 7.52% |
| ICICI Prudential Pension RICH II | ₹76.85 | ₹234 Cr | 11.99% | 12.05% |
| ICICI Prudential Protector II | ₹54.97 | ₹152 Cr | 6.15% | 7.58% |
| ICICI Prudential RICH II | ₹67.82 | ₹446 Cr | 12% | 12% |
| ICICI Prudential Secure Save Builder | ₹45.34 | ₹1 Cr | 8.23% | 9.59% |
| ICICI Prudential Secure Save Guaranteed | ₹34.76 | ₹1 Cr | 6.19% | 7.42% |
| ICICI Prudential Flexi Growth III | ₹62.66 | ₹62 Cr | 10.13% | 8.91% |
| ICICI Prudential Flexi Growth IV | ₹61.52 | ₹170 Cr | 11.12% | 9.91% |
| ICICI Prudential Multiplier III | ₹44.99 | ₹11 Cr | 8.1% | 9.66% |
| ICICI Prudential Multiplier IV | ₹51.95 | ₹23 Cr | 9.08% | 10.55% |
| ICICI Prudential Preserver III | ₹40.11 | ₹9 Cr | 5.58% | 5.73% |
| ICICI Prudential Preserver IV | ₹36.28 | ₹5 Cr | 5.56% | 5.79% |
| ICICI Prudential Protector III | ₹42.64 | ₹21 Cr | 5.15% | 6.42% |
| ICICI Prudential Protector IV | ₹44.19 | ₹82 Cr | 6.02% | 7.28% |
| ICICI Prudential RICH III | ₹58.15 | ₹28 Cr | 10.94% | 10.95% |
| ICICI Prudential RICH IV | ₹67.28 | ₹59 Cr | 11.93% | 11.9% |
| ICICI Prudential Highest NAV Fund B | ₹21.91 | ₹1 Cr | 3.29% | 4.19% |
| ICICI Prudential Easy Retirement SP Balanced | ₹26.63 | ₹29 Cr | 6.73% | 7.5% |
| ICICI Prudential Life Growth | ₹35.58 | ₹503 Cr | 10.05% | 9.47% |
| ICICI Prudential Life Secure | ₹22.52 | ₹935 Cr | 4.51% | 5.77% |
| ICICI Prudential Group Equity Fund II | ₹28.91 | ₹54 Cr | 10.71% | - |
| ICICI Prudential Group Growth Fund II | ₹31.33 | ₹471 Cr | 8.17% | - |
| ICICI Prudential Group Capital Guarantee Debt Fund | ₹55.43 | ₹4 Cr | 5.1% | - |
| ICICI Prudential Group Capital Guarantee Debt Fund II | ₹44.1 | ₹68 Cr | 4.93% | - |
| ICICI Prudential Group Capital Guarantee Short Term Debt Fund II | ₹33.08 | ₹463 Cr | 4.74% | - |
| ICICI Prudential Group Capital Guarantee Short Term Debt Fund III | ₹19.68 | ₹402 Cr | 4.78% | - |
| ICICI Prudential Group Capital Guarentee Debt Fund III | ₹24.19 | ₹238 Cr | 5.02% | - |
| ICICI Prudential Group Debt Fund II | ₹25.76 | ₹2149 Cr | 5.34% | - |
| ICICI Prudential Group Leave Encashment Income Fund | ₹35.96 | ₹5 Cr | 5.18% | - |
| ICICI Prudential Group Short Term Debt Fund II | ₹18.17 | ₹4 Cr | 4.61% | - |
| ICICI Prudential Group Short Term Debt Fund III | ₹19.07 | ₹208 Cr | 4.87% | - |
| ICICI Prudential Group Superannuation Balanced Fund | ₹71.8 | ₹828 Cr | 5.88% | - |
| ICICI Prudential Group Superannuation Debt Fund | ₹53 | ₹125 Cr | 5.16% | - |
| ICICI Prudential Group Superannuation Growth Fund | ₹134.23 | ₹681 Cr | 8.3% | - |
| ICICI Prudential Group Superannuation Short Term Debt Fund | ₹41.31 | ₹90 Cr | 4.91% | - |
| ICICI Prudential Group Superannuation Capital Guarantee Short Term Debt Fund | ₹40.04 | ₹12 Cr | 5.02% | - |
| Bharti AXA Emerging Equity Fund | ₹14.93 | ₹436 Cr | - | - |
| ICICI Prudential Group Balanced Plus Fund | ₹10.61 | ₹16 Cr | - | - |
| ICICI Prudential Group Sovereign Fund | ₹10.82 | ₹22 Cr | - | - |
| ICICI Prudential Smallcap 250 Index Fund | ₹12.1 | ₹148 Cr | - | - |
ICICI Prudential Life Insurance offers you pension plans to secure your future post-retirement. With these plans, you can maintain financial independence even after losing regular income. Pension plans offered by ICICI Prudential Life Insurance Company are:
| Plan Name | Entry Age | Maximum Vesting Age | Policy Term |
| ICICI Pru Signature Pension Plan | 18 - 65 years | 60 - 80 years | Min: 20 years or 80 minus Age at entry Max: 62 years |
| ICICI Pru Guaranteed Pension Plan Flexi | 40–80 years (Primary Annuitant) 30–80 years (Secondary Annuitant) |
85 years | Whole life |
| ICICI Pru Guaranteed Pension Plan (Deferred & Immediate Annuity) | 30 - 85 years | 85 years | Whole Life / As per annuity option selected |
| ICICI Pru Saral Pension | 40 - 80 years | - | Whole life |
| ICICI Pru Easy Retirement SP | 18 - 80 years | 90 years | 10 - 30 years |
| ICICI Pru Gold Pension Savings | 18 - 70 years | 40 - 80 years | 10 - 40 years |
| ICICI Pru Easy Retirement | 18 - 70 years | 80 years | 10 - 30 years |
With ICICI Prudential Child Plans, you can secure your child's future even in your absence. Through these plans, you can create wealth for your child's dreams, pay for their higher education, or fund their marriage. Child Plans offered by ICICI Pru are:
| Plan Name | Entry Age | Maximum Maturity Age | Policy Term |
| ICICI Pru SmartKid with Smart Life | 20 - 54 years | 79 years | 10 - 25 years |
ICICI Prudential Life Insurance’s traditional savings or money-back plans help you save for specific goals in the future while providing financial coverage in case of your untimely demise. These plans offer guaranteed returns and help you manage your money in the long run. Savings plans offered by ICICI Prudential Life Insurance are:
| Plan Name | Entry Age | Maximum Maturity Age | Policy Term |
| ICICI Pru Gold | 0 - 60 years | 99 years | 85 - 99 years |
| ICICI Pru Sukh Samruddhi | 0 - 60 years | 85 years | 10 - 30 years |
| ICICI Pru Gift Pro | 18 - 60 years | 75 years | 8 - 17 years |
| ICICI Pru Guaranteed Income For Tomorrow Long-term | 0 - 60 years | 101 years | 8 - 101 years |
| ICICI Pru Guaranteed Income For Tomorrow | 18 - 60 years | 80 years | 5 - 20 years |
| ICICI Pru Savings Suraksha | 0 - 60 years | 70 years | 10 - 30 years |
| ICICI Pru Assured Savings Insurance Plan | 3 - 60 years | 72 years | 10 - 15 years |
| ICICI Pru Future Perfect | 91 days - 58 years | 70 years | 10 - 30 years |
ICICI Prudential Online Services are a digital suite of tools that let customers buy, manage, and claim life insurance policies via the ICICI Prudential Life Insurance website or mobile app. These services eliminate paperwork, allowing users to pay premiums, track applications, and settle claims from home.
The ICICI Prudential Life Insurance App is a secure, all-in-one mobile platform that helps customers buy, manage, and track life insurance policies, investments, and health insurance plans directly from their smartphones. The app also offers smart financial tools, such as premium calculators and retirement planning support, making policy management faster, simpler, and more convenient for customers. With this app, you can explore, compare, and buy the best term, life, and savings insurance policies.
Pay premiums instantly with secure payment options
Download policy documents and statements with ease
Track fund performance and switch funds in ULIP policies
Update personal details and contact information
Raise and track service requests
Get renewal reminders and instantly manage updates for your term life policy.
The ICICI Prudential Life Insurance App is available for Android and iOS users. You can download the app by following these steps:
Open the Google Play Store on your mobile device
Search for ICICI Prudential Life Insurance App
Click on Install to download and install the app
Open the app and log in using your registered details
Open Apple App Store on your iPhone
Search for ICICI Prudential Life Insurance App
Click on Get to download and install the app
Open the app and log in to access your policy details
With the ICICI Pru Life Insurance app, policyholders can manage their insurance policies hassle-free anytime, anywhere.
ICICI Prudential Life Insurance Company offers a seamless and user-friendly ICICI Prudential Life Insurance Premium Payment option to ensure convenience and uninterrupted policy benefits. The platform enables policyholders to make payments anytime, anywhere, using multiple payment modes, including UPI, credit cards, debit cards, and net banking.
Visit the official website of ICICI Prudential Life Insurance
Enter your policy number, mobile number, email ID, and date of birth.
Complete the captcha verification to proceed.
Choose from various payment methods such as net banking, credit card, or UPI.
Follow the instructions to complete your transaction securely. Once done, your policy details will be shared on your registered email ID.
The ICICI policy statement tracks every transaction that happens with the funds in the ULIP. It shows the records of your premium along with your insurance plan summary. This should help you make an informed decision about further investments.
The ICICI Prudential Life Insurance policy statement can be availed by writing to lifeline@iciciprulife.com
You can also download the ICICI policy details and make an online premium payment by entering the policy number, mobile number, email ID, and Date of Birth.
You can download ICICI Prudential Life Insurance or ICICI Term Insurance Receipt in just a few clicks from ICICI Prudential Life Insurance official website. Follow the steps mentioned below:
Step 1: Go to the ‘Premium Receipt’ portal of ICICI Prudential Life Insurance
Step 2: Enter Your Details like Policy Number OR Mobile Number OR Email ID
Step 3: Enter your DoB
Step 4: Enter the Unique Captcha
Step 5: Click on ‘Proceed’
You can check your ICICI Prudential Life Insurance policy status instantly online through the ICICI Prudential Online Services portal, via their mobile app, or by using their SMS service
The ICICI Prudential Life Insurance claim settlement process involves three simple steps: Claim Intimation, Document Submission, and Claim Processing. Beneficiaries can quickly initiate a claim online or offline and expect the settlement payout directly in their registered bank accounts upon review.
The first step is to inform ICICI Prudential Life Insurance about the claim. You can do this through any of the following channels:
Online: Submit a claim request through the Claims section on the ICICI Prudential Life Insurance website.
Call: Contact the 24×7 ClaimCare helpline at 1800 2660.
Email: Send your claim details to claimsupport@iciciprulife.com.
SMS: Send ICLAIM <8-digit Policy Number> to 56767.
WhatsApp: Send "Claim" to 9920667766 to initiate the claim registration process.
Branch Visit: Visit the nearest ICICI Prudential Life Insurance branch for in-person assistance.
After the claim is registered, the nominee or claimant must submit the necessary documents for claim verification.
Mandatory Documents
Original policy document (if available)
Duly filled Death Claim Form
Cancelled cheque or bank account details for NEFT
Identity and address proof of the nominee or claimant
Additional Documents for Natural or Medical Death
Attending doctor's statement
Hospital certificate or treatment records
Employer's certificate or educational institution certificate of the deceased (if applicable)
Any other medical records requested by the insurer
Additional Documents for Accidental or Unnatural Death
FIR, Panchnama, Police Investigation Report, or Charge Sheet
Post-mortem report (PMR) and Viscera Report, wherever applicable
Note: Depending on the nature of the claim, ICICI Prudential Life Insurance may request additional documents for verification.
Once all the required documents are received, ICICI Prudential Life Insurance reviews the claim and verifies the submitted information. If any additional information or documents are required, the insurer will contact the nominee or claimant. After successful verification, the claim is processed and the policy benefits are paid to the eligible nominee or beneficiary within the timelines prescribed under the IRDAI (Protection of Policyholders' Interests) Regulations, 2024.
Purchasing an ICICI Prudential Life Insurance plan online is quick, secure, and hassle-free through Policybazaar, with the assurance of the lowest price and a seamless buying experience. Follow these simple steps to get insured within minutes:
Step 1: Navigate to the Policybazaar Life Insurance portal and head to the life insurance section.
Step 2: Enter basic details like name, gender, mobile number, and email ID to begin.
Step 3: Click ‘View Plans’ for a list of available life insurance policies.
Step 4: To personalize your options, provide additional details such as smoking habits, education level, occupation type, and annual income.
Step 5: Use filters to select ICICI Prudential Life Insurance and refine policy details based on your coverage needs.
Step 6: Compare the ICICI Term insurance plans online and choose the most suitable term Insurance policy, and proceed to make a secure payment.
Pro Tip: Before purchasing, it's beneficial to understand what is term insurance and how it works to make an informed decision.
To purchase an ICICI Prudential Life Insurance policy, you may be asked to submit the following documents:
Last 3 months' salary slips
Last 6 months' salary bank statements
Last 3 years' Income Tax Returns (ITR)
Latest salary certificate issued by your employer
Aadhaar Card
PAN Card
Passport
Voter ID Card
Aadhaar Card
Passport
Utility bill (electricity, water, or gas bill)
Registered rental agreement
Recent medical reports or health check-up reports, if required by the insurer during the underwriting process
Recent passport-size photograph
Latest Form 16 (if applicable)
Any other documents requested by ICICI Prudential Life Insurance based on the policy type or applicant's profile
Note: The exact documents required may vary depending on the plan you choose, your age, income, occupation, and the sum assured. ICICI Prudential Life Insurance may request additional documents, if necessary, during the application process.
ICICI Prudential Life Insurance Customer Service team ensures that all customer queries, requests, and concerns are addressed efficiently. Whether you need help with policy details, premium payments, claims, or other services, their customer support is easily accessible through multiple channels.
| Contact Method | Details |
| Customer Care Number | 1800 210 0045 (For existing policyholders) Timings: Monday to Saturday, 10:00 AM to 7:00 PM (except national holidays) |
| New Policy Purchase Helpline | 1800 267 9777 Timings: 9:00 AM to 9:00 PM, all days |
| Email Support | buyonline@iciciprulife.com |
| WhatsApp Support | 99206 67766 (Send "Hi" or upload application-related documents with your application number.) |
| SMS Services | Send service-specific SMS commands to 56767 for premium payments, policy revival, fund value, claims, PAN updates, payment assistance, and other requests. (SMS charges may apply.) |
| Online Services | Visit the ICICI Prudential customer portal to pay premiums, download policy documents, update nominee or contact details, check fund value, and track your policy application. |
| Grievance Redressal | If your concern remains unresolved, you can raise a complaint through the grievance redressal section available on the ICICI Prudential Life Insurance website. |
Official Handle: @ICICIPruLife
With 34.9K+ followers, ICICI Prudential Life Insurance uses X to share company announcements, insurance awareness content, financial planning insights, product updates, and customer engagement campaigns. Customers can tag the handle or send Direct Messages for support and query resolution.
Official Page: @iciciprulifeofficial
With 295K+ followers, ICICI Prudential Life Insurance shares insurance awareness content, financial planning tips, customer stories, product updates, and campaign highlights on Instagram. Users can connect through Direct Messages (DMs), comments, and story replies for general queries and engagement.
Official Page: ICICI Prudential Life Insurance
With over 500K followers, ICICI Prudential Life Insurance regularly shares company updates, industry insights, financial awareness content, and customer-focused campaigns on Facebook. Users can connect through Facebook Messenger or comments for support and assistance.
Official Channel: ICICI Prudential Life Insurance (@ICICIPruLife)
With 41K+ subscribers and over 1.1K videos, ICICI Prudential Life Insurance uploads insurance awareness videos, financial planning guidance, customer education content, and product-related information on YouTube. Users can post queries and feedback through the comments section and explore additional support details through the channel's About section.
Policybazaar's Verdict: ICICI Prudential Life Insurance is a trusted, digitally advanced, and best for buyers seeking comprehensive protection with high claim reliability. Here's an honest review of ICICI Prudential Life Insurance, backed by IRDAI data.
ICICI Prudential Life Insurance Company Limited is one of India's most recognised private life insurers, backed by the combined strength of ICICI Bank and Prudential plc, offering a wide range of term, savings, ULIP, retirement, and health insurance plans.
Its 99.3% claim settlement ratio (FY 2024–25) reflects strong and consistent claim reliability. The company covers over 3 crore lives, manages significant AUM, and has a widespread network of branches across India. ICICI Prudential Life is best known for:
Comprehensive term coverage up to 99 years of age
Critical illness cover across 64 listed conditions
Smooth online buying and hassle-free policy servicing
Wide product range catering to protection, savings, and wealth creation goals
ICICI Prudential Life Insurance is best suited for first-time insurance buyers, salaried professionals seeking long-term protection, and existing ICICI Bank customers looking for a seamless insurance experience.
Ans: Here are 4 common term insurance benefits:
Ans: ICICI Prudential Life Insurance offers services such as:
Ans: To pay your ICICI Prudential Life Insurance premium online:
Ans: To view or download your ICICI Prudential Life Insurance premium receipt:
Ans: You can check the ICICI prudential Life Insurance Policy status through any of the following methods:
˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance 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
+On the basis of your profile
+Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10
+Rs. 410/month (Rs.14/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age rounded off to nearest 10
+Rs. 245 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10
+Rs. 15/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10
+Rs. 504/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 494/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 636/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 918/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,286/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 453/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs.582/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 786/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,592/month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age.
+Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age.
+Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age.
+Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.
+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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