Introducing ICICI Pru Elite Life Super - our exclusive ULIP which gives you flexibility and control over your investment. You can invest in a range of funds and switch between these funds anytime during the policy term. The plan also offers 4 investments strategies that can be selected according to your personal investment needs.


4 Portfolio Strategies+

You can choose from 4 portfolio strategies according to your investment style to accomplish your financial goals.

Unlimited Fund Switches#

Invest in your choice of funds – various choice of equity, balance and debts funds, you can switch between them anytime.

Bonus For Staying Invested^

Get Loyalty Additions and Wealth Boosters^ for paying premium regularly and staying invested.

Life Cover To Protect Family

In case of death of the policyholder, the nominee receives the life cover amount as a lump sum payout.

Tax Benefits~

You get tax benefits on premiums you pay and benefits you receive as per applicable tax laws.

Access To Your Money

You can avail of partial withdrawal facility to manage your liquidity needs after 5th year.

Top-Up Your Fund*

You can increase your investment in the plan anytime by using the online top–up facility.

Pay As Per Your Needs

You can choose to pay premium monthly, half yearly, yearly or make a single payment.


The longer you stay invested in your policy, the better can be the expected returns. The graph below shows the Reduction in Yield (RIY) at 8% investment return. The lower the RIY, the better it is for you.



35 year old male with a opting for ICICI Pru Elite Life Super with a monthly premium of `20,000. Charges shown are after adjusting loyalty additions and wealth boosters.
Through this graph, you can see that the charges per year on an average are only 1.86% for a 10 year policy term. Also, the average charges per year keep decreasing the longer you stay invested. So if you are invested for 30 years, the charges per year on an average drop to a mere 0.95%.


Charges shown are for a 35 year old male, with a monthly premium mode and premium of `5000 p.m. opting for a premium term and policy term of 10 years after adjusting for loyalty additions and wealth boosters with 100% allocation towards Opportunities fund. The above charges are applicable if you purchase this plan from our website. Charges are exclusive of taxes and mortality cost.
The RIY has been calculated after applying all the charges (excluding taxes and mortality charges and rider charges, if any) at a monthly premium of `20,000. RIY stipulated is as per IRDA (Linked Insurance Products) Regulation, 2013.



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Rahul is a 30 year old male who purchased ICICI Pru Elite Life Super with a policy term of 20 years. Rahul decided to pay `20,000 per month as premium for 10 years and the life cover for the plan was `24 lakh.



Fund Name
& Benchmark Details
(As on )
Returns (p.a.) Returns (p.a.) Inception
1 Year 2 Year 3 Year 4 Year 5 Year Since Inception


Bluechip Fund
Benchmark Returns: NIFTY50
Maximiser V Fund
Benchmark Returns: S&P BSE 100
Multi Cap Growth Fund
Benchmark Returns: NIFTY 500
Opportunities Fund
Benchmark Returns: BSE 200
Maximise India Fund
Benchmark Returns: 2/3rd NIFTY 50 Index
& 1/3rd NIFTY NEXT 50 Index
Value Enhancer Fund
Benchmark Returns: NIFTY NEXT 50 Index
Focus 50 Fund
Benchmark Returns: NIFTY 50


Multi Cap Balanced Fund
Benchmark Returns: 55% NIFTY 500 & 45% CRISIL Composite Bond Fund Index
Active Asset Allocation Balanced Fund
Benchmark Returns: 50% BSE 100 + 50% CRISIL Composite Bond Fund Index


Income Fund
Benchmark Returns: CRISIL Composite Bond Fund Index
Money Market Fund
Benchmark Returns: CRISIL Liquid Fund Index
Secure Opportunities Fund
Benchmark Returns: 80% CRISIL AAA Medium Term Corporate Bond Index + 20% CRISIL AA+ Medium Term Corporate Bond Index
Please note:
NA: Fund has not completed the stipulated time period.
Returns greater than 1 year are annualized.
Past performance is not indicative of future performance.

+ The Policyholder can have funds in only one of the Portfolio Strategies.

~Tax benefit of `46,800 is calculated at highest tax slab rate of 30.90% (including cess) on insurance premium of `1,50,000 u/s 80C of Income Tax Act, 1961. Tax benefits are subject to conditions of Sec. 80C, Sec 10(10D) and other provisions of Income Tax Act, 1961. Applicable taxes will be charged extra as per prevailing rates. Tax laws are subject to amendments from time to time. Please consult your tax advisor for details, before acting on above.

^The Company will allocate extra units as below provided all due premiums have been paid:

Premium payment term Loyalty Additions Wealth Boosters
(End of year 6 and 7) (End of year 8 and onwards) (End of every 5th year, starting from the end of 10th policy year)
5 years – 6 years 0.10% 0.10% 1%
7 years – 9 years 0.20% 0.35% 1%
10 years and above 0.20% 0.35% 2%
Single Pay 0.30% 0.30% 1.5%
  • For single pay policies with a policy term of 5 years, a loyalty addition of 0.25% of the average of daily Fund Values, including Top-up Fund Value, if any, in that same policy year, will be payable at the end of the fifth policy year.
  • Each Loyalty Addition will be a percentage of the average of daily Fund Values including Top-up Fund Value, if any, in that same policy year as mentioned in the table above.
  • Wealth Boosters will be a percentage of the average Fund Values including Top-up Fund Value, if any, on the last business day of the last eight policy quarters.
  • Loyalty Additions and Wealth Boosters will be allocated among the funds in the same proportion as the value of total units held in each fund at the time of allocation.
  • The allocation of Loyalty Additions and Wealth Boosters is guaranteed and shall not be revoked by the Company under any circumstances.
  • If the premium payment is discontinued anytime after 5 years, the number of years for which premiums have been paid will be considered as the premium paying term for the purpose of deciding the Loyalty Additions & Wealth Boosters to be paid for the rest of the policy term as per the table above.

#There is no upper cap on number of switches during the policy term.

*Top-up premiums can be paid any time except during the last five years of the policy term, subject to underwriting, as long as all due premiums have been paid. A lock-in period of five years would apply for each Top-up premium for the purpose of partial withdrawals only. At any point during the term of the policy, the total Top-up premiums paid cannot exceed the sum of base premium(s) paid till that time. The minimum Top-up premium is `2,000.

`If the policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of policy depends on a number of factors including future investment performance.

Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. The names of the Company, Product names or fund options do not indicate their quality or future guidance on returns. Funds do not offer guaranteed or assured returns. ICICI Pru Elite Life Super UIN: 105L156V03.

Fund name SFIN
Maximiser Fund V ULIF 114 15/03/11 LMaximis5 105
Multi cap Growth Fund ULIF 085 24/11/09 LMCapGro 105
Opportunities Fund ULIF 086 24/11/09 LOpport 105
Bluechip Fund ULIF 087 24/11/09 LBluChip 105
Multi cap Balanced Fund ULIF 088 24/11/09 LMCapBal 105
Income Fund ULIF 089 24/11/09 LIncome 105
Money Market Fund ULIF 090 24/11/09 LMoneyMkt 105
Maximise India Fund ULIF 136 11/20/14 MIF 105
Active Asset Allocation Balanced Fund ULIF 138 15/02/17 AAABF 105
Value Enhancer Fund ULIF 139 24/11/17 VEF 105
Secure Opportunities Fund ULIF 140 24/11/17 SOF 105
Focus 50 fund ULIF 142 04/02/19 FocusFifty 105

ICICI Pru Elite Life Super UIN 105L156V03. W/II/3495/2018-19

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