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A Review Of ICICI Prudential Life Insurance

“Policy Bazaar insurance clarified the term policy for me, so I purchased ICICI Prudential life insurance from them. The portal makes it simple to compare all of the insurance options. The website has a lot of useful information. The customer service is also excellent; a representative called me and provided me with updates. Also, when I was busy with my work, they called me and reminded me about the premium payments on time. They are supportive and I can utilize the life insurance calculator which provides me with a variety of benefits. Magnificent performance by Policybazaar.” – Aravinda, Gurugram, Haryana

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Aravinda took the wise step of purchasing the term plan of ICICI Prudential Life Insurance to protect his loved ones from unforeseen events of the future. ICICI Prudential Life Insurance provides a range of plan benefits that adjust to your changing lifestyle and personal requirements. This ensures the safety and welfare of you and your loved ones at the same time.

Let’s understand the various features and benefits of ICICI Prudential Life Insurance.

About ICICI Prudential Life Insurance

ICICI Prudential Life Insurance, a prominent Indian insurer founded in 2001, offers a diverse range of term insurance plans tailored to meet various customer needs. These plans ensure a death benefit payout to the nominee if the policyholder passes away during the policy term, providing essential financial security to the insured's family. Optional coverage for accidental death or critical illnesses is available, allowing for comprehensive coverage at affordable premium rates.

Let’s learn more about why you should consider buying ICICI Prudential Life Insurance plans.

one crore term plan

Term Plans


Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

Why Should You Consider Buying ICICI Prudential Life Insurance?

ICICI Prudential Life Insurance is known for its flexible plans that can be personalized to match the preferences and life goals of policyholders.

Below are some reasons why you can consider buying the ICICI Prudential Life Insurance:

  • The term life insurance plan offers coverage for death, terminal illness, and disability.

  • There is also the option to select Accidental Death Benefit and Accelerated Critical Illness Benefit with the base plan.

  • Non-tobacco users can enjoy discounted premium rates.

  • You can also enjoy a tailored benefit payout, and choose to receive the benefit as a lump sum, monthly income for 10 years, or a combination of both.

  • With flexible premium payment options, you can pay premiums once, for a limited period, or throughout the policy term.

  • Tax advantages may apply on premiums paid and benefits received, as per current tax regulations.

  • You can buy the whole life term insurance of ICICI Prudential term insurance and enjoy coverage till 99 years of age.

  • Women are eligible for reduced premium rates, and they are covered for female organ cancers such as breast cancer and cervical cancer under the Accelerated Critical Illness Benefit.

one crore term plan

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Which Is The Best ICICI Prudential Life Insurance Plan ?

The ICICI Prudential iProtect Smart plan provides you the choice to increase your coverage for Accidental Death and Accelerated Critical Illnesses, offering added financial protection to your loved ones. The plan also provides special benefits to women like lower premium rates and female organ cancers under the Accelerated Critical Illness Benefit, like breast cancer and cervical cancer.

What Are The Benefits Of ICICI Prudential iProtect Smart Plan?

Below mentioned are the key benefits of the ICICI Prudential iProtect Smart plan:

  • There are 4 plan options in the ICICI Prudential iProtect Smart plan:

    • Life Option

    • Life Plus Option

    • Life and Health Option

    • All In One Option

  • There are 4 death benefit payout options:

    • Lump sum

    • Income

    • Lump sum and Income

    • Increasing Income

  • You enjoy protection for different life stages:

    • At Marriage, you receive an additional 50% of the SA, maximum up to Rs. 50 Lakhs

    • At birth or legal adoption of the 1st child, you receive an additional 25% of the SA, maximum up to Rs. 25 Lakhs

    • At birth or legal adoption of the 2nd child, you receive an additional 25% of the SA, maximum up to Rs. 25 Lakhs

  • You also have the special exit option, through which you can cancel the policy and get a smart exit benefit, which is equal to the total premiums paid under your term plan.

What is the Eligibility Criteria to Buy the ICICI Prudential iProtect Smart Plan?

The eligibility criteria for buying the ICICI Prudential iProtect Smart Plan is mentioned below:

Parameters Minimum Maximum
Entry Age 18 years 65 years
Maturity Age 23 years 99 years
Policy Term 5 years 69 years
Sum Assured 50 Lakhs 10 Crores
Premium Payment Modes Single, Monthly, Half-yearly and Annually

Wrapping It Up!

Aravinda’s decision to buy the ICICI Prudential iProtect Smart Plan has helped him secure his loved ones against several financial obligations of the future. With flexible plan and payout options, ICICI Prudential iProtect Smart is one of the most ideal options for people in the current times.


  • Q: Does the ICICI Prudential iProtect Smart Plan cover critical illnesses?

    Ans: Yes, the ICICI Prudential iProtect Smart Plan provides coverage against 34 critical illnesses specified in the policy documents.
  • Q: Can I buy a policy from ICICI Prudential Life Insurance from Policybazaar?

    Ans: Yes, you can easily purchase ICICI Prudential Life Insurance from the Life Insurance page of Policybazaar and avail extra discounts and assistance.
  • Q: Do ICICI Prudential Life Insurance policies provide tax benefits?

    Ans: Yes, ICICI Prudential Life Insurance policies offer tax benefits under sections 80C and 10(10D) of the Income Tax Act, providing you with potential tax exemptions.
  • Q: What are the plan options available in ICICI Prudential iProtect Smart Plan?

    Ans: The plan options include Life Option, Life Plus Option, Life and Health Option & All In One Option.

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