ICICI Pru GIFT Pro

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ICICI Pru GIFT Pro

ICICI Pru GIFT Pro is a guaranteed insurance plan offering assured returns, life cover, tax benefits, and flexible payout options for financial planning.

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Details for ICICI Pru GIFT Pro

ICICI Pru GIFT Pro is a life insurance-cum-savings plan that ensures guaranteed income along with life cover for your family's financial security. It offers flexible payout options, including level or increasing income and the freedom to choose when to receive it. With features like Save the Date, MoneyBack Benefit, and Low Cover Income Booster, you can customize returns to your needs. The plan also allows early withdrawal of future benefits and offers tax advantages under current laws.

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Sum Assured

Min 50,000/-

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Age

Not available

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Premium Payment Term (Mode)

Annual, Half-Yearly, Monthly

Death Benefits

  • Sum Assured on Death (defined as Death Benefit multiple X Annualized Premium)
  • 2.105% of the Total premiums paid up to the date of death
  • Death Benefit Factor X Maturity Sum Assured X {number of months for which premiums are paid up to date of death / (12 X Premium Payment Term)}

Additional Benefits

  • Life Cover3 for financial security of your family.
  • Flexibility of selecting duration of Guaranteed Income1 as per your needs.
  • Option to receive Guaranteed income1 that either stays level throughout the income duration or increases every year
  • Percentage of MoneyBack Benefit2 i.e. sum of total annualized premiums paid: It can be any number from 0% to 100%.
  • When you want to receive MoneyBack Benefit2: It can be paid at the maturity date or at the end of any policy year within the income period
  • Option to enhance your Guaranteed Income1 amount with Low Cover Income Booster
  • Option to receive income on date of your choice through Save the Date6 option
  • Option to withdraw future benefits in advance5 by converting into a lump sum
  • Tax benefits^ may be applicable on premiums paid and benefits received as per the prevailing tax laws
  • Minimum Sum Assured on Death: ₹ 3,50,000

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