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ICICI Pru Future Perfect plan is a non linked endowment plan which secures the future of your loved ones by providing a safe journey.This plan helps you to achieve your life goals like buying a house, securing kids future needs, saving for old age,etc.ICICI Pru Future Perfect plan helps you to plan systematically to achieve the bigger financial objectives in life.BUY NOW
On the death of the life insured during the policy term in an active policy, the payout to the nominee will be higher of Sum assured plus accrued bonuses or 105% of all premium paid till date.
Maturity benefit is payable on survival of the policy term which is higher of (Guaranteed Maturity Benefit (GMB) + accrued Guaranteed Additions and bonuses plus terminal bonus, if any or 100.1% X (annualized premium plus loadings for modal premiums, if any).
Bonuses comprise of vested reversionary bonuses, interim bonus and terminal bonus, as applicable. Reversionary bonus is declared for the first policy year annually during the term of the policy. The bonuses declared under this plan may vary as per the premium payment term options.
The policyholder is eligible for loans up to 80% of the Surrender Value.
On policy surrender, the policyholder will get higher of Guaranteed Surrender Value (GSV) or Special Surrender value. If the PPT (premium paying term) is 10 years or more, the policy will acquire a surrender value after payment of three full years’ premium. If PPT is less than 10 years, the policy will acquire a surrender value after payment of two full years’ premium.
Premiums paid, are eligible for the tax benefits as per Section 80C and the death benefit qualify for tax benefits under section 10 (10D) of the Income Tax Act.
|Age (as on last birthday)||91 Days||58 Years|
|Age at Maturity||18 Years||70 Years|
|Policy Tenure||10 Years||30 Years|
|Premium Paying Term||Limited Pay( 5/7/10/15/20) Only||-|
|Premium Paying Mode||Monthly, Semi Annually & Annually||-|
|Premium Amount||Rs 12,000||No Limit (subject To Underwriting)|
|Sum Assured||Rs 84,000||Rs 4 Lacs|
|Freelook Period||15 Days/ 30 Days (for Distance Marketing Channel) From The Receipt Of The Policy||-|
|Grace Period||30 Days (15 Days For Monthly Mode)||-|
No Riders are available under this plan.
Let us understand with the help of an illustration of ICICI Pru Future Perfect – Limited Pay
Age at entry: 35 years
Policy term: 20 years
Premium paying term: 10 years
Premium paying mode: Yearly
Annual premium: Rs 30,000
Sum Assured on Death: Rs 3,00,000