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ICICI Pru Sukh Samruddhi

ICICI Pru Sukh Samruddhi is a recently launched savings-oriented plan that offers the double benefits of growth potential and guaranteed benefits to the policyholders. In addition to this, the plan comes with a life coverage benefit during the policy tenure, and provides financial security to the family during unforeseen circumstances. 

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Key Features of ICICI Pru Sukh Samruddhi

Take a look at the key features of Sukh Samruddhi plan offered by ICICI Prudential Life Insurance Company , that makes it one of the best choices if you are looking to build a financially strong future:

  1. ICICI Sukh Samruddhi allows the policyholder to customize their plan with the 2 plan option-

    • Lump sum option, wherein at the time of maturity, the beneficiary will receive a lump sum amount.

    • Income option, wherein at the time of maturity, the beneficiary will receive a lump sum on maturity along with the regular Guaranteed Income, once the premium payment term is completed.

  2. Plan offers a higher maturity benefit to female customers

  3. The plan allows you to build a financial corpus to fulfill your future financial goals such as a child's higher education, purchasing a dream house, or planning for retirement.

  4. The plan offers revisionary bonuses on maturity and a chance to recieve terminal bonus as well

  5. The plan provides ‘save the date’ and ‘savings wallet’ flexibilities for the customer’s convenience

  6. You can receive tax benefits as per the prevailing tax laws under sections 80C and 10(10D) of the Income Tax Act.

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Eligibility Criteria of ICICI Pru Sukh Samruddhi

Parameters Lumpsum variant Income variant
Entry Age 0-60 years
Maturity Age 18-90 years 18-85 years
Policy Term 10-30 years PPT + Income Term
Premium Payment Term Limited Pay Regular Pay Limited Pay
5, 6, 7, 8, 10, 12 years For the whole term 5, 6, 7, 8, 10, 12 years
Income Term (Income Option Only) For PPT = 5 years
10, 12, 13 years
For PPT = 6, 7, 8, 10, 12 years
5, 6, 7, 8, 10, 12, 13 years
Premium Payment Frequency Monthly, half-yearly, annually

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Benefits of ICICI Pru Sukh Samruddhi

ICICI Pru Sukh Samruddhi offers a host of benefits to its policyholders. Take a look at the below-mentioned benefits of the plan:

  1. Death Benefit

    Under both options of this life insurance plan, if the policyholder dies during the policy tenure, then the nominee will receive the death benefit.

    The death benefit payable will be the greater of:

    • SA on Death + Interim Reversionary Bonus, if any + Accrued Reversionary Bonuses, if any + Terminal Bonus, if any;


    • 105 percent of the full premiums paid till the date of death

  2. Maturity Benefit

    If the policyholder outlives the policy term, he/she is eligible to avail of maturity benefit provided all the premiums are paid.

    Under the Lumpsum plan variant, the maturity benefit payable will be:

    SA on maturity + terminal bonus, if any + accrued reversionary bonus, if any.

    Under the Income plan variant, the Maturity Benefit payable will be:

    Terminal bonus, if any + Accrued reversionary bonus, if any.

  3. Guaranteed Income (GI)

    With the Income plan variant, once the premium payment term is completed, the policyholder is eligible to receive Guaranteed Income at the end of every month or year till the end of the policy term. The guaranteed incoem will be paid only for the selected income Term chosen at the time of policy purchase.

  4. Additional benefits

    Under the Income Plan variant, a policyholder has the option to avail:

    • “Save the Date” Benefit, through which, a policyholder has the benefit to receive Guaranteed Income on any one special date, like anniversaries or birthdays. The benefit is available only if the policyholder has chosen the annual payment mode of Income plan variant.

    • “Savings Wallet” Benefit, through which you can accumulate your Guaranteed Income rather than taking them as payment. Also, you can withdraw partially or fully during the income term as per your needs under the Income option.

  5. Tax Benefits

    Get tax benefits on premiums paid and benefits received as per the prevailing tax laws.

Documents Required to Buy ICICI Pru Sukh Samriddhi

Here is a list of all the documents required to buy the ICICI Pru Sukh Samriddhi plan:

  • Recent photo

  • PAN Card

  • Passport/Aadhaar Card or Driving Liscence

  • Cancelled Cheque

  • Income Proof


  • What are the plan options available in the ICICI Pru Sukh Samriddhi Plan?

    Ans. The plan options available in the ICICI Pru sukh samriddhi plan are as follows:

    • Income variant: This option provides Guaranteed income at the end of the premium payment term along with the lump sum on maturity as well as protection throughout the policy term.
    • Lump sum varient: This option provides lump sum amount at the end of the maturity term along with life cover during the policy tenure.
  • What is the available mode of payment in the Guaranteed Income option?

    Ans. Under the income option, the accrued revisionary bonuses as well as any terminal bonuses will be paid as maturity value. Under the lump sum option, the sum assured on maturity, accrued revisionsary bonuses, and terminal bonuses if any will be paid as maturity amount.
  • When will the Guaranteed Income start within the monthly and annually modes?

    Ans. The guaranteed income payments will be made right after the end of the premium payment term as per the selected payout options of monthly or annually.
  • Can the premium payment frequency be changed during the policy term?

    Ans. Yes, you can change the premium payement frequency at any time during the premium payment term as per your convenience and it will be effective on the next policy anniversary.
  • Can I avail Save the date benefit under the lumpsum plan variant?

    Ans: No, the feature of “Save the Date” is available only under the annual mode of the Income plan option.
  • What is the premium payment frequency for ICICI Pru Sukh Samruddhi?

    Ans: Under the plan, one can choose to pay their premium Annually, Half-Yearly, or Monthly.
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