ICICI Pru Wealth Forever

ICICI Prudential Wealth Forever is a term life insurance plan that offers the combined benefits of pure risk protection and wealth creation. It offers benefits such as lifelong cover and increasing protection to help fit the varying needs of different individuals. You can also get cover against death, diagnosis of terminal illness, and complementary health check-ups with this plan. Let us take a look at some of the key features and benefits of this term insurance plan.

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Key Features of ICICI Pru Wealth Forever

The key features of this term insurance plan by ICICI Prudential are as follows:

Increasing life cover for the policyholder’s whole life, creating a legacy for your family.
You can choose from the multiple premium payment options.
Get up to 10% discount on the first year premiums for female customers.
Receive a 100% payout on terminal illness diagnosis during the policy term.
You can claim tax benefits as per the prevailing tax laws.
Get complimentary health check-ups with Silver’s benefits.

You may also like to read about best term insurance plan in india

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Benefits Offered Under the ICICI Pru Wealth Forever

Here are the benefits offered under the ICICI Pru term insurance plans:

Death Benefits

The death benefit will be paid to the nominee, in case of the policyholder’s untimely death during the policy term. The benefits payable will be the highest of the following:

Sum assured
105% of the total premiums paid till the date of death or diagnosis of terminal illness, whichever is earlier
Surrender value on the date of death or diagnosis of terminal illness, whichever is earlier
Minimum life cover

The minimum life cover is equal to the death benefit multiple times the annualised premium/single premium.

Increasing Sum Assured

The sum assured payable on the death of the policyholder will be equal to the following:

Single Pay: Single premium x sum assured factor applicable for policy month ‘t’
Limited Pay: Annualized premium x {number of months for which the premiums are paid till the policy month ‘t’ / 12} x sum assured factor applicable for policy month ‘t’.

Where t = 1,2,3…

Maturity Benefits

On the survival of the policyholder, the 100% refund of premiums paid towards the policy will be returned the customer. In case of the policyholder’s death on the date of maturity, the maturity benefit will be paid instead of the death benefit.

Silver’s Benefits

With the policy’s Silver’s benefits, the policyholder can receive a periodic complimentary health check-up, depending on the following conditions:

The benefit can be used after:
- The completion of at least 3 policy years, from the date of policy issuance.
- The life assured has turned 50 years or more as of the date of requesting the health check-up benefits.
The policyholder can avail these benefits:
- Once in any policy year
- Maximum 3 times throughout the policy term

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Eligibility Conditions for the ICICI Pru Wealth Forever

Parameters	Minimum	Maximum
Entry Age	40 years	65 years
Maturity Age	--	99
Premium Payment Term	Single or 2–15 years
Premium Payment Option	Single and Limited pay

Additional Policy Details of ICICI Pru Wealth Forever

The following are the additional policy details of this ICICI Pru life insurance plan:

Multiple Nominee Payout Options

You can choose for the death benefits to be paid in parts to multiple nominees. With this, you can ensure that your loved ones get the amount you secured for them.

Discounts for Female Customers

Female policyholders can receive up to 10% lower premiums for the first policy year with this plan.

Premium Payment Options

You can select the most suitable premium payment option, as per your convenience, from single or limited pay options.

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Author's Bio

Varun Agarwal Head - Term Insurance

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

Write to Varun

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˜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

Rs. 400/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. 400/month (Rs.13/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.

+Rs. 230 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. 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. 12/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. 497/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. 487/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. 626/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. 905/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. ₹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

+Rs. 1,267/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.

*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. 447/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.679/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. 910/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. 1,924month 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.

Women

+Rs. 400/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, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

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.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.