Official-document-based plan guide

ICICI Pru iProtect Smart Plus

Current version shown by ICICI Prudential as valid from 03 Aug 2026 to till date in its Download Centre.

What this plan is

Current version shown by ICICI Prudential as valid from 03 Aug 2026 to till date in its Download Centre.

This page explains the purchase and benefit flow in plain language. The insurer-issued document remains the authority for eligibility, premium tables, exclusions, charges, surrender and claims.

Entry ageSee the eligibility table in the attached official document

Maturity / renewal ageis 75 years.

Policy termChoose only from the terms offered in the official document

Premium-paying termSingle, regular or limited pay only where the plan document permits

Minimum cover / premiumSee the minimum cover/premium table in the official document

Minimum incomeNo fixed public minimum-income figure found; financial eligibility is assessed by the insurer

Premium amountCalculated from your age, options and insurer assessment

Verification date04 Sep 2026

Premium-paying process

How the plan works

Use this four-step illustration to understand the flow; it is not a premium quote or benefit illustration.

Choose cover

Start with the benefit you need, not the advertised premium.

Pick term and payout

Select only options that appear in the current official document.

Pay the selected premium

Keep every due payment on time and retain policy records.

Nominee receives the covered benefit

The actual payout follows the policy wording and accepted claim.

Premium reminder: The final premium can change after underwriting. Read the insurer's personalised benefit illustration and policy schedule before accepting the proposal.

Benefit outcome

What you or your family may receive

If death occurs during cover

The nominee receives the death benefit defined by the selected option, provided the policy is in force and the claim meets the policy terms.

If you survive the term

A pure term option normally has no maturity payout. A return-of-premium or savings-linked option pays only what its document specifically promises.

What changes the premium

Age, health, tobacco use, occupation, cover amount, term, payment term, payout option and underwriting can all change the final quote.

Source documents

Official insurer document

ICICI Pru iProtect Smart Plus

Official sales brochure is attached locally. Use the latest insurer-issued version if the insurer replaces this edition.

Download Official sales brochure Open official insurer source ↗

Source: ICICI Prudential Life Insurance official website. Verified 04 Sep 2026. Underpitch has not altered the attached insurer PDF.