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ICICI Pru Future Perfect Plan

What is the Plan all About?

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.


What are the Key Features?

  • Saving plan with guaranteed benefits
  • Flexibility to opt the premium paying term
  • Get life protection along with savings
  • Secure Tax Benefit

What are the Plan Benefits?

Death Benefit

    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

    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.

Loan Benefit

    The policyholder is eligible for loans up to  80% of the Surrender Value.

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.

Tax Benefit

    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.

Who can Buy the Plan?

Factor Minimum Maximum
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) -
Plan Type Offline -

Is any Rider Available with this Plan?

No Riders are available under this plan.

How the Plan Works?

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


ICICI Pru Future Perfect Plan