The new way to leave a legacy for family

The new way to leave a legacy for family


Want to leave a financial legacy (i.e. large amount of money) for your family? It is simpler then you think. Many of us plan to leave behind a pot of money for our children so that their dreams can be fulfilled, but end up leaving behind liabilities like home loans or medical bills. We are pleased to present a whole new way to leave a legacy for your children and future generations. And guess what? You don't have to invest a lot of money.

You just need to buy ICICI Pru iProtect Smart with Whole Life Cover (till age 99 years) to create your legacy. The best thing about this plan is that it is really affordable. Scroll down to use our free calculator and see just how affordable your smart legacy plan can be!

Benefits of ICICI Pru iProtect Smart

  • Legacy For Family

    Leave a large lump sum with whole life cover so that your loved one's dreams are financially secure, come what may.

  • Protection against disability

    In case of permanent disability due to accident, your policy continues with no more premium to be paid.

  • 100% benefit payout

    If diagnosed with a Terminal Illness, we pay you the complete Sum Assured1as a lumpsum payout.



Edit Your Details

    • Gender:
    • Date of Birth:
    • Tobacco consumption:
  • Policy term
    • Yearly Premium
    • Monthly Premium
    • Half-Yearly Premium
    Payment Term
    • Critical illness benefit
      @ 1500 / yearly for 30 years
    • Accidental Death Benefit
      1.00 crore @ 500 / yearly

You can depend on us

  • 30 Day Return Policy

    If not satisfied, you can return (free look) your policy and get your money back.

  • Service Assurance

    Your policy will be issued in 72 hours on receipt of all documents and medicals report.



How it works

  • Rakshak 40 Year old,
    Senior Manager

    He wants to build a huge inheritance corpus to ensure that his family’s future is always secure from any liabilities and disputes. He also wants to create a corpus for critical illnesses to cover the high medical treatment costs that come with a critical illness when he gets older.

  • Prerana, 38 Year old,
    School Principal

    She’s independent and wants to leave an inheritance as a financial support for her son and daughter in case of her death in the future. She chooses the Lump sum + Regular Income payout option.


Rakshak's Story

  • Rakshak buys ICICI Pru iProtect Smart

    32 year old
    • He chooses a life cover of 2 Crore & a critical illness cover of 20 lakh
    • He chooses Lump Sum payout option & a whole life policy (till age 99) and gets a 59 year policy term
    • He pays an annual premium of 92,583 yearly (incl. of taxes)
  • Rakshak is diagnosed with a critical illness

    32 year old
    • Critical illness cover of 20 lakhs is paid out as lump sum to Rakshak immediately
    • Life cover reduces to 1.8 crore
    • Premium reduces to 75,794 (incl. of taxes)
  • Rakshak’s untimely death

    44 years old
    • His nominee gets a lump sum payout of 1.8 crore

Prerana's Story

  • Prerana buys ICICI Pru iProtect Smart

    32 years old
    • Prerana chooses a life cover of 2 Crore with a policy term of 61 years (whole life cover till age 99)
    • She pays an annual premium of 56,784 (incl. of taxes)
    • She chooses lump sum payout option of 1 crore and regular monthly income of 83,333 pm for 10 years
  • Prerana’s unforeseen death

    52 years old
    • Her son and daughter receive a lump sum payout of 1 crore and Regular Income of 83,333 every month for the next 10 years.

Check Our Score Card

  • Claim Settlement Ratio~


    ~Claim settlement ratio is for FY 2017-18 and computed basis individual claims settled over total individual claims for the financial year.

  • Benefits paid

    `1,14,744 CR

    As per Financial Statements (Schedule 4- Benefits paid (Gross)) of the Company, Benefits paid since inception upto year ended March 31, 2018.

  • Sum Assured

    `8,22,564 CR

    Total Sum Assured figure for FY 2017-18. The source for this number is Annual Report FY 2017-18.

  • Assets Under Management

    `1,46,129 CR

    Total assets under management, held at Sept 30, 2018



You can rely on us for a protected future


    Get peace of mind with our claims settlement ratio at 97.88% for 2017-187


    Voted 'Best Term Insurance Provider' at Money Today Financial Awards 2017-18


    Rated No. 1 in Customer Loyalty in FY 2016–17 by Kantar IMRB6


    Payment Options

    We support multiple payment options and your transactions are as secure as they can be

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    Contact Us

    Our insurance experts are always available to solve any doubts that you may have and help you with anything about your policy

    1860 266 7766