ICICI Prudential ULIP Plans (Unit Linked Insurance Plans) are financial products offered by ICICI Prudential Life Insurance that combine investment and insurance benefits. These plans provide you with a choice of portfolio strategies for your savings and, at the same time, secure you against the uncertainties of life.
Returns as on 20-09-2026. The returns are the returns of best-performing fund in the plan
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.inRead MoreRead Less
Key Features of ICICI Prudential ULIP Plans
ICICI Prudential ULIP plans vary across investment strategies, protection benefits, and long-term financial objectives.
Different Ways to Invest:
Several plans offer up to 4 portfolio strategies, including fixed allocation, lifecycle-based investing, trigger-based allocation, and automated rebalancing to suit different investment preferences.
Life Cover with Wealth Creation:
The plans combine market-linked growth with financial protection, allowing policyholders to build wealth while maintaining life cover.
Lower and Efficient Charge Structures:
Select plans include zero premium allocation charges, low policy administration charges, or efficient charge structures, helping improve long-term fund value.
Additional Value Through Plan Benefits:
Some variants are like wealth boosters; they bring back mortality charges, policy administration charges, or even premium allocation charge benefits.
Protection for Financial Goals:
Plans like Smart Goal Assure, Signature Assure, and SIP+ Assure cover waiver of premium, plus continuation benefits, so the whole long term goal stays protected if something unexpected happens.
Access to Funds When Needed:
Some schemes contain the Systematic Withdrawal Plan (SWP) features. Periodic withdrawals can be undertaken for extra income or for specific financial requirements.
Plans Built for Different Goals:
Depending on each person’s financial priorities, the portfolio includes ULIPs for retirement learning, full life and investing globally.
Why Invest in India Growth Story
India’s economic growth is a long-term opportunity for industry, financial markets and personal wealth generation. The increasing number of investors turning to goal-based financial planning has made market-linked investment outlets more significant for creating wealth over the long run.
Longer time horizons may be more rewarding for people with long term goals such as retirement, children’s education, building wealth or creating a legacy in terms of participating in the growth of the economy and of the markets. This is especially relevant in a situation when there is a gradual change in investment preferences towards disciplined long-term investing.
In this context, ICICI Prudential ULIP plans may appeal to investors seeking market-linked growth supported by portfolio flexibility, protection features, and long-term financial planning options.
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How Much Historical Returns are Provided by the Plans?
The amount payable on maturity of a ULIP plan is determined by the premium paid, the term of the policy, the fund allocation and the features of the plan. ICICI Prudential ULIP plans are available in different variants having different price structures, portfolio strategies, protection features and value adds. This may lead to varying expected returns at different versions in the long run.
Investment Scenario
Investment Amount:
₹22,000/month
Invest for:
18 years
Withdraw after:
At Policy Maturity
Plan Type:
Market-Linked
Scenario 1:
Returns @ 4%
ICICI Pru Wealth Elite Pro
₹85.9 L
4%
ICICI Pru Signature
₹84.6 L
4%
ICICI Pru Smart Goal Assure
₹83.8 L
4%
ICICI Pru Signature Assure
₹83.2 L
4%
ICICI Pru Platinum
₹82.5 L
4%
ICICI Pru Smart Insurance Plan Plus
₹81.9 L
4%
ICICI Pru LifeTime Classic
₹80.6 L
4%
ICICI Pru1 Wealth
₹79.8 L
4%
ICICI Pru Global Wealth Multiplier
₹78.9 L
4%
ICICI Pru Signature Pension
₹77.6 L
4%
Scenario 2:
Returns @ 8%
Plan name
Maturity Value
Growth %
ICICI Pru Wealth Elite Pro
₹1.56 Cr
8%
ICICI Pru Signature
₹1.53 Cr
8%
ICICI Pru Smart Goal Assure
₹1.51 Cr
8%
ICICI Pru Signature Assure
₹1.49 Cr
8%
ICICI Pru Platinum
₹1.47 Cr
8%
ICICI Pru Smart Insurance Plan Plus
₹1.45 Cr
8%
ICICI Pru LifeTime Classic
₹1.43 Cr
8%
ICICI Pru1 Wealth
₹1.40 Cr
8%
ICICI Pru Global Wealth Multiplier
₹1.38 Cr
8%
ICICI Pru Signature Pension
₹1.35 Cr
8%
Note: ULIPs are linked to the market and the actual returns or maturity values may fluctuate based on the performance of the fund, continuance of the policy, applicable charges and market conditions.
Benefits of ICICI Prudential ULIP Plans
Long-Term Wealth Creation:
With exposure to market linked funds spanning equities, debt and balanced allocations, it offers chances to build corpus over a long-term for future financial milestones.
Life Cover with Investments:
The ULIP plans offer wealth creation and financial safety net that helps you to achieve long-term financial goals in unforeseen circumstances.
Portfolio Flexibility:
Many plans let you access as many as 4 portfolio strategies, plus fund switch options, and a few fund types more or less tailored to changing investment preferences and risk appetite.
Support for Long-Term Financial Goals:
Plans such as Smart Goal Assure, Signature Assure, and SIP+ Assure variants include waiver of premium and policy continuation benefits.
Liquidity Through Withdrawals:
Selected plans include Systematic Withdrawal Plan (SWP) features. This allows periodic withdrawals to support supplementary income requirements or planned expenses.
Solutions for Different Financial Priorities:
The portfolio includes retirement-focused, whole-life, single-premium, and globally diversified investment variants.
List of ICICI Prudential ULIP Plans
ICICI Prudential has a bunch of ULIP versions that fit different types of investment horizons, as well as different levels of protection needs, and various financial aspirations. The table below outlines the available plan options.
ULIP Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium
ICICI Pru Smart Insurance Plan Plus
0 years to 50 years
Up to 70 years
5 years
Up to age 70
₹1,000 per month onwards
View plan
ICICI Pru Signature Assure
18 years to 50 years
Up to 65 years
5 to 15 years
Minimum 20 years
₹1,00,000 p.a.
View plan
ICICI Pru Global Wealth Multiplier
Growth: 30 days to 65 years. Protect: 18 years to 65 years
Up to 80 years
Single Pay, Limited Pay (3 years), Regular Pay (10 years)
10 to 25 years
$150 monthly onwards; $1,500 yearly onwards. Single Pay: $5,000
View plan
ICICI Pru Platinum
0 years to 50 years
Up to 70 years
5 years
Up to age 70
Varies by payment frequency
View plan
ICICI Pru Signature Pension
Varies by option
Retirement-focused maturity
Flexible pay options
Based on retirement horizon
Based on selected variant
View plan
ICICI Pru1 Wealth
15 years to 60 years
Up to 70 years
Single Pay
5 or 10 years
₹1,00,000 (Single Premium)
View plan
ICICI Pru LifeTime Classic
Varies by policy option
Based on chosen term
Regular / Limited Pay
Flexible policy term
Based on selected option
View plan
ICICI Pru Smart Goal Assure
18 years to 50 years
Up to 65 years
5 to 15 years
Minimum 20 years
₹1,00,000 p.a.
View plan
ICICI Pru Signature
Varies by option
Up to 99 years
Flexible pay options
Whole Life option available
Based on selected variant
View plan
ICICI Pru Wealth Elite Pro
Varies by option
Up to 99 years
Flexible pay options
Whole Life option available
High-ticket premium structure
View plan
Invest More Get More!
YOU GET
₹ 1 Crore *
YOU INVEST
₹ 10K/ month
YOU GET
₹ 80 Lakhs *
YOU INVEST
₹ 8K/ month
YOU GET
₹ 50 Lakhs *
YOU INVEST
₹ 5K/ month
Details of HDFC ULIP Plans
HDFC offers a variety of child plans to suit different needs and budgets. Below are the details of the ULIP plans for children by HDFC Life:
ICICI Pru Smart Insurance Plan Plus
ICICI Pru Smart Insurance Plan Plus is a Non-Participating, Linked, Individual Savings Life Insurance Plan designed for long-term wealth creation with life cover, portfolio flexibility, and low-charge investing.
Key Features of ICICI Pru Smart Insurance Plan Plus:
Choice of 4 Portfolio Strategies:
Policyholders can go with a couple of different portfolio strategies, kind of depending on their investment taste and the level of risk appetite.
Zero Charge Structure:
The plan includes zero premium allocation charges and zero policy administration charges.
Life Cover with Market Participation:
Provides life insurance protection alongside market-linked wealth creation.
Systematic Withdrawal Plan (SWP):
Permits monthly, quarterly, half yearly or yearly withdrawals for additional revenue needs.
Top-Up Facility:
The top-up option lets you contribute more to help meet shifting financial goals.
Assure Variant Benefits:
Selected variants include waiver of premium and annual income support in case of the policyholder’s demise.
ICICI Pru Signature Assure
ICICI Pru Signature Assure is a Non-Participating, Linked, Individual Savings Life Insurance Plan focused on wealth creation with additional protection layers to support long-term family goals.
Key Features of ICICI Pru Signature Assure:
Four Layers of Protection:
Includes future premium waivers, yearly income distributions, nominee maturity corpus, and market-linked wealth building.
Return of Premiums Guaranteed:
At the end of the insurance period, you may receive back a minimum of 100% of the premiums paid.
Economical Structure:
The economical structure doesn’t have premium allocation costs so the funds are more efficient over the long run.
Systematic Withdrawal Plan:
You can withdraw from time to time as per your income demands.
Top-Up Facility:
Additional contributions to meet changing financial objectives.
Multiple Fund Options:
To suit your investment needs, you can choose from a variety of market-linked funds.
ICICI Pru Global Wealth Multiplier
ICICI Pru Global Wealth Multiplier is a market linked life insurance plan, meant for building wealth globally, by using USD denominated investing. It also provides life cover benefits, while the returns stay connected to market movements.
Key Features of ICICI Pru Global Wealth Multiplier:
USD Denominated Investments:
Investments and profits are in US Dollars, which eliminates the risk of depreciation of INR.
Diversified Investing:
Gain access to US and Indian markets and commodities for a worldwide diversity of your portfolio.
Options available under Growth and Protect Plan:
Depending on the financial interests, policyholders can choose either Growth Plan or Protect Plan.
Partial Withdrawal Facility:
Partial withdrawals are available for scheduled or unscheduled financial obligations.
Premium Flexibility:
Available with single pay, limited pay, and regular pay structures.
ICICI Pru Platinum
ICICI Pru Platinum is a Unit-Linked Savings Life Insurance Plan, built for long term wealth creation.
Key Features of ICICI Pru Platinum:
Growth Plus and Protect Plus Options:
Policyholders may choose plan structures based on preferred protection levels.
Choice of 4 Portfolio Strategies:
The ULIP plan offers four portfolio strategies to suit your investment preference.
Nil Premium Allocation Charge:
Nil premium allocation charge and very minimal insurance administrative charges.
Unlimited Fund Switches:
Fund switching across funds under selected strategies.
Systematic Withdrawal Plan:
Monthly payouts are available through SWP for supplementary income needs.
Top-Up Facility:
Additional investments may be made during the policy term.
ICICI Pru Signature Pension
ICICI Pru Signature Pension is basically a Non-Participating, Linked Pension Individual Savings Plan. It is structured for retirement planning through market-linked investment opportunities.
Key Features of ICICI Pru Signature Pension:
Retirement-Focused Investing:
The plan is positioned around long-term retirement corpus creation through market-linked investing.
Choice of Equity, Debt, and Balanced Funds:
Policyholders may allocate investments across different fund categories based on retirement goals and risk appetite.
Return of Charges:
Selected charges deducted during the policy term may be added back to the corpus.
Partial Withdrawal Flexibility:
Eligible withdrawals may be available to address specific financial requirements before retirement.
Tax-Free Lump Sum Option:
Up to 60% of the accumulated amount may be withdrawn tax-free at retirement, subject to prevailing tax laws.
Market-Linked Growth Potential:
Investments remain linked to fund performance for long-term retirement accumulation.
ICICI Pru1 Wealth
ICICI Pru1 Wealth is a unit-linked insurance plan (ULIP) that combines investment and life insurance benefits in a single policy. It's designed for individuals who want to grow their wealth while also securing financial protection for their loved ones.
Key Features of ICICI Pru1 Wealth:
Single Premium:
Invest just once at the beginning and let your money grow for the entire policy term.
Market-Linked Growth:
100% of your invested amount goes into a wide range of carefully chosen funds, offering the potential for market-linked returns.
Life Cover:
Enjoy peace of mind knowing your loved ones are protected with a life insurance cover in case of an unfortunate event.
Wealth Boosters:
Get a bonus payout (a percentage of your single premium) at the end of the policy term as a reward for your long-term commitment.
ICICI Pru LifeTime Classic
ICICI Pru LifeTime Classic is a non-participating unit-linked insurance plan (ULIP) that combines:
Key Features of ICICI Pru LifeTime Classic:
Choice of 4 Portfolio Strategies:
Includes Target Asset Allocation Strategy, Trigger Portfolio Strategy 2, LifeCycle Based Portfolio Strategy 2, and Fixed Portfolio Strategy.
Automatic Transfer Strategy (ATS):
Enables periodic fund movement to support portfolio allocation over time.
Flexible Protection Levels:
Policyholders may choose life cover levels aligned with protection requirements.
Wealth Booster Benefit:
Additional units are credited every 5 years starting from the 10th policy year.
Settlement Option at Maturity:
Maturity benefits may be received as a lump sum or structured payout.
Rewards for long-term commitment:
You can earn loyalty additions and wealth boosters for staying invested for a longer period.
ICICI Pru Smart Goal Assure
ICICI Pru Smart Goal Assure is basically a savings and protection kind of market linked life insurance plan, it’s aimed at long term financial goals while also keeping protection continuity features running.
Key Features of ICICI Pru Smart Goal Assure:
Goal Protection Features:
Includes waiver of future premiums, annual income payouts, maturity corpus continuation, and legacy creation support during unforeseen situations.
Guaranteed Return of Premiums:
Offers at least 100% return of premiums paid at maturity, subject to terms and conditions of the ICICI Prudential investment plan.
Return of Charges at Maturity:
On maturity, the benefits shall comprise the return of premium allocation and insurance administration expense.
Systematic Withdrawal Plan:
Periodic withdrawal opportunities to fulfil additional revenue needs.
Top-Up Facility:
To meet your changing financial goals, you can invest more.
Type of Funds:
Select from market-based funds to suit various investment styles.
ICICI Pru Signature
ICICI Pru Signature is a Unit Linked Insurance Plan (ULIP) offered by ICICI Prudential Life Insurance. It is a plan that combines life insurance with the potential for market-linked returns. This means that you can get the benefits of both insurance and investment in one single plan.
Key Features of ICICI Pru Signature:
Life cover:
It provides life cover to your loved ones in case of your unfortunate demise. The life cover amount is determined by the sum assured you choose and your premium paying term.
Investment:
A portion of your premium is invested in a variety of funds that are linked to the stock market. The value of your investment will fluctuate based on the performance of the underlying assets.
Flexibility:
You can choose from a variety of investment options and switch between them as per your risk appetite and market conditions.
Tax benefits:
You can avail tax benefits on your premiums paid and the maturity proceeds under Section 80C and 10(D) of the Income Tax Act, 1961.
ICICI Pru Wealth Elite Pro
ICICI Pru Wealth Elite Pro is a savings and protection oriented unit-linked life insurance plan, made for long term wealth accumulation.
Key Features of ICICI Pru Wealth Elite Pro:
Wealth Booster Benefit:
Premium allocation charges are returned at a guaranteed compounding rate of 7% per annum at the end of the 15th policy year.
Whole Life Option:
Policy benefits may continue up to 99 years of age.
No Policy Administration Charges:
Applicable for annualised premiums of ₹15 lakh or more.
Choice of 4 Portfolio Strategies:
Multiple investment strategies are available across equity, debt, and balanced allocations.
Systematic Withdrawal Plan:
Allows periodic withdrawals to support regular income needs.
Life Cover Throughout the Policy Term:
Financial protection remains available during the policy duration.
Why Buy an ICICI Prudential ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
ICICI Prudential ULIPs are investment products that combine market-linked investments with life insurance cover. You invest premiums in funds, potentially growing your wealth, and your family receives a death benefit if you pass away during the policy term.
What is the return of ULIP in 10 years?
ULIP returns depend on market performance and chosen funds, but long-term investment options like ULIPs can offer significant growth.
How to pay premium? What are the modes of payment available?
For receiving continuity of your policy benefits, it is critical to pay premiums on time. You can pay your ICICI Life Insurance premium through these 11 methods:
Net Banking
Credit card
Bill desk
Bank Website Debit Card + ATM PIN
Debit Card
Bill junction
Infinity
E-collect
Rupay Debit Card
Skypack drop box
MINC Drop Box
For paying premium online, you can login to e-portal
Step 1: Enter your policy details – policy number and policyholder’s date of birth
Step 2: Select your online bank account, debit/ credit card or use the NEFT facility to pay the premium
Step 3: Authenticate and confirm your payment details and receive online confirmation
How can I check policy status for ICICI Prudential ULIP plans?
You can check the policy status via online, or opt for SMS and e-mail reminder facility.
Step 4: Authenticate and confirm your payment details and print out the payment receipt
What is the policy cancellation process for ICICI Prudential ULIP plans?
You need to keep your policy for a minimum of 3 years before you can cancel it. You need to fill out a surrender form at any of the ICICI Prudential Life branches and submit your policy documents. The cancellation process will take 30 days to complete and the surrender value funds will be directly transferred to your bank account.
"I have icici prudential investment plan. Policy is below average. The premium is good and the returns are less. The services are great provided by the executives and staff members. Web services are better. Good future investment which save my taxes too.
"
CV
Chirag
Manipal, January 16, 2025
Perfect
"ICICI prudential investment plan which have 90% policy coverage and the claims are easy to get because of fast services provided by the executives and staff members. The daily updates are texted and mailed time to time to may email id and cell number. Good work."
AI
Abhishek
Ghaziabad, January 16, 2025
Good.
"I have icici prudential life insurance traditional plan. Policy coverage is high and premium is low. Service is quick with good behaviour. Claims are easy to get because of good cooperation of executives. Nice policy.
Plan Name: Wealth Builder II
Agent Code: BPW00313"
SG
Sahil
Delhi, January 16, 2025
Nice
"My policy is great with huge benefits. ICICI prudential traditional plan i have with low premiums and the policy coverage is 90%. Claim is easy to make because of fast service and the work is done on time. Nice job guys.
Plan Name: Wealth Builder II
Agent Code: BPW00313"
NG
Nishant
Karkala, January 16, 2025
Traditional Plan
"Found a very good insurance policy which is a traditional insurance policy from icici prudential life insurance. Service facility is perfect given by the entire staff of the insurance company. Policy premium is less but the returns are high as compare to investments."
VG
Vishal
Chandrapur, January 16, 2025
Superb Plan
"ICICI prudential life insurance is the best insurers which provides best policies with better terms and conditions. The service provided by them is fantastic with on time surety. This is best investment policy in the market. I'm really fully satisfied with my insurance policy plan."
BS
Bhaskar
Pune, January 16, 2025
superb plan...
"My icici prudential life insurance traditional plan policy has low premiums, claims are high, policy coverage is 90% and the service is the best with on time surety. Payback amount is around Rs.21 lakh. Good work.
Plan Name: Wealth Builder II
Agent Code: BPW00313"
V
Vinit
Azamgarh, January 16, 2025
superb plan...
"I purchase icici prudential traditional plan. The policy is good with much better response than other insurers. Policy coverage is 90% and claim is fifteen lakhs. Service is the best and on time.Nice work team.
Plan Name: Buy Smart Kid Solution with ICICI Pru Smart Life
Agent Code: BPW00313"
JJ
Jasmine
Mumbai, January 16, 2025
superb plan...
"ICICI prudential life insurance provides me traditional plan. Plan is extremely good with Rs.4599 premium twice in a year. Claim is ~Rs.19 lakh and the policy coverage is 90-97%. Great service which always on right time.
Plan Name: Wealth Builder II
Agent Code: BPW00313"
ST
Sandeep
Navi_mumbai, January 16, 2025
above average.
"I have traditional plan from icici prudential life insurance. Policy coverage is 80% and the claims are 28L. Service is good and quick. But please improve your online services.
Plan Name: Smart Life
Agent Code: BPW00313"
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. 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.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜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
