ICICI Prudential Future Perfect
  • Guaranteed Additions
  • Flexible PPT
  • Cash Bonuses
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ICICI Prudential Future Perfect

Build wealth, secure dreams: ICICI Prudential Future Perfect Plan for a brighter future.

Savings alone won't make your dreams come true; you need to grow your money to reach your future goals. A investment plan like ICICI Pru Future Perfect helps grow your wealth with the promise of protecting your money. Typically, it is an ideal savings and protection-oriented plan. It offers dual assurances of guaranteed benefits and life cover.

In addition, the plan also offers the extra features of investment that help you build a corpus with bonuses that offer potentially higher returns. Under the ICICI Pru Future Perfect plan, the insurer pays a cash bonus to the policyholder at the end of each financial year, if any is declared. You can even choose a premium payment term based on your needs.

ICICI Pru Future Perfect is a versatile savings plan life insurance plan. We will read the plan in detail in the section below for more clarity and better understanding.

ICICI Pru Future Perfect Plan offers you a range of benefits including:

why-choose
  • Guaranteed benefits
  • Tax benefits
  • Flexibility
  • Special surrender value
  • Loan benefit
  • Life cover 

Eligibility Criteria for ICICI Prudential Future Perfect

Your Occupation

Entry age

Minimum age - 91 days Maximum age - 55 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum maturity age - 70 years

Your Gender

Policy tenure

10 to 30 years

Maternity Benefit Rider

Premium payment term

5/7/10/15/20 years

Dr YSR Aarogyasri Trust

Premium payment frequency

Monthly, Quarterly, Half-Yearly, Annually

Maternity Benefit Rider

Sum assured

Minimum sum assured - 84,000 Maximum sum assured - 4 Lakhs

Features of ICICI Prudential Future Perfect

Here are some features of ICICI Prudential Future Perfect:

ICICI Prudential

Achieve your life goals with ICICI Pru Guaranteed Income for Tomorrow – secure savings, guaranteed returns, and financial security. ICICI Pru Gu...

Unique Features

  • Discount on Sum Assured
  • Guaranteed Additions
  • 2 Rider Benefits

ICICI Guaranteed Income for Tomorrow (Pros)

ICICI Guaranteed Income for Tomorrow
  • Loan Benefit
  • Tax Benefits
  • Maturity Benefit

ICICI Guaranteed Income for Tomorrow (Cons)

ICICI Guaranteed Income for Tomorrow
  • No pre-existing condition
  • Suicidal exclusion
  • No drug consumption

ICICI Guaranteed Income for Tomorrow (Other Benefits)

ICICI Guaranteed Income for Tomorrow
  • 4 Plan options
  • Death benefit
  • Surrender value

ICICI Guaranteed Income for Tomorrow (Eligibility Criteria)

ICICI Guaranteed Income for Tomorrow
  • Minimum entry age- 18 year
  • Maximum entry age- 60 years
  • Minimum sum assured- NA
  • Maximum sum assured- NA
  • Maximum policy term- 20 years

ICICI Pru Cash Advantage is a non-linked individual life insurance savings plan. It offers comprehensive benefits of savings and protection in the sam...

Unique Features

  • Guaranteed Cash Benefit
  • Life cover
  • Policy Loan

ICICI Pru Cash Advantage (Pros)

ICICI Pru Cash Advantage
  • Loan Benefit
  • Tax Benefits
  • Maturity Benefit

ICICI Pru Cash Advantage (Cons)

ICICI Pru Cash Advantage
  • No pre-existing condition
  • Suicidal exclusion
  • Death due to aviation accident

ICICI Pru Cash Advantage (Other Benefits)

ICICI Pru Cash Advantage
  • Flexible Premium Payment
  • Death benefit
  • Surrender value

ICICI Pru Cash Advantage (Eligibility Criteria)

ICICI Pru Cash Advantage
  • Minimum entry age- 1 year
  • Maximum entry age- 60 years
  • Minimum sum assured- 7 times available SA
  • Maximum sum assured- 10 times available SA
  • Maximum policy term- 20 years

‘ A combination of savings and protection plan’. ICICI Pru Savings Suraksha is a financial plan that helps you save for future financial g...

Unique Features

  • Guaranteed additions
  • Multiple premium options
  • Additional bonuses

ICICI Prudential Savings Suraksha (Pros)

ICICI Prudential Savings Suraksha
  • Death benefits
  • Surrender benefits
  • Maturity benefits on survival

ICICI Prudential Savings Suraksha (Cons)

ICICI Prudential Savings Suraksha
  • No pre-existing condition
  • Suicidal exclusion
  • Aviation accident

ICICI Prudential Savings Suraksha (Other Benefits)

ICICI Prudential Savings Suraksha
  • Revisionary bonus
  • Terminal bonus
  • Free-look period

ICICI Prudential Savings Suraksha (Eligibility Criteria)

ICICI Prudential Savings Suraksha
  • Minimum entry age- 0 year
  • Maximum entry age- 60 years
  • Minimum sum assured - 7 times annualized premiums
  • Maximum sum assured - 10 times annualized premiums
  • Maximum policy term- 30 years

‘Save smartly with ICICI Pru Assured Savings get guaranteed returns and life cover’. There's no harm in saving some money for the future. ...

Unique Features

  • 9% to 11% Guaranteed Additions
  • Guaranteed maturity benefits
  • Special Surrender Value (SSV)

ICICI Assured Savings (Pros)

ICICI Assured Savings
  • Special Surrender Value
  • Guaranteed Benefits
  • Tax Benefits

ICICI Assured Savings (Cons)

ICICI Assured Savings
  • No pre-existing condition
  • Suicidal exclusion
  • Aviation accident

ICICI Assured Savings (Other Benefits)

ICICI Assured Savings
  • Flexible premium payment
  • Loan benefit
  • Death benefit

ICICI Assured Savings (Eligibility Criteria)

ICICI Assured Savings
  • Minimum entry age- 0 year
  • Maximum entry age- 60 years
  • Minimum sum assured - 84
  • 000
  • Maximum sum assured - 4 Lakhs
  • Maximum policy term- 20 years

Build wealth, secure dreams: ICICI Prudential Future Perfect Plan for a brighter future. Savings alone won't make your dreams come true; you need to g...

Unique Features

  • Guaranteed Additions
  • Flexible PPT
  • Cash Bonuses

ICICI Prudential Future Perfect (Pros)

ICICI Prudential Future Perfect
  • Guaranteed Surrender Value
  • Revive Policy
  • Tax Benefits

ICICI Prudential Future Perfect (Cons)

ICICI Prudential Future Perfect
  • No pre-existing condition
  • Suicidal exclusion
  • Aviation accident

ICICI Prudential Future Perfect (Other Benefits)

ICICI Prudential Future Perfect
  • Revisionary Bonus
  • Loan benefit
  • Death benefit

ICICI Prudential Future Perfect (Eligibility Criteria)

ICICI Prudential Future Perfect
  • Minimum entry age- 91 Days
  • Maximum entry age- 58 years
  • Minimum sum assured - 84
  • 000
  • Maximum sum assured - 4 Lakhs
  • Maximum policy term- 25 years
Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Benefits of ICICI Pru Future Perfect Plan

There are various benefits to buying the ICICI Pru Future Perfect Plan. Let’s understand each of them in detail:

  • Death benefits: After the policyholder's unfortunate demise during the policy term, the insurance cover amount will be paid to the nominee.
  • Policy Loan:  Under this policy, you can also take out a loan after the policy obtains the surrender value, but the loan amount should be 80% of the surrender value.
  • Surrender Benefit: You can discontinue your policy anytime after paying premiums for two full consecutive years. The policyholders will get either guaranteed surrender value, including bonuses and additions as applicable, or special surrender value. Please note that if you surrender your policy before your policy has acquired a surrender value, no benefits will be payable under the policy.
  • Maturity benefits: Once you outlive your policy term, you shall receive a guaranteed lump sum maturity benefit.

Documents Required to Buy ICICI Pru Future Perfect 

Here is the list of documents required to buy the ICICI Pru Future Perfect:

Photo ID Proof

Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.

How to Buy ICICI Prudential Future Perfect?

You can buy the ICICI Prudential Future Perfect official website or one of their nearest branch offices.

Life Insurance
  • Step 1

    Visit the official website of PolicyX.com.

  • Step 2

    Click on the ‘Investment’ tab.

  • Step 3

    A new page will appear on the screen.

  • Step 4

    Fill out the form at the top of the page with the necessary details.

  • Step 5

    Select your income and city. Click on 'Proceed'.

  • Step 6

    Update your education and occupation details.

  • Step 7

    Choose your preferred plan and click on 'Buy this plan'.

  • Step 8

    Select the policy term, premium period, investment amount, and riders (if required), and then proceed to pay.

Life Insurance
  • Step 1

    Visit the official website of ICICI Prudential Life Insurance.

  • Step 2

    Hover over the 'Investment Plans' from the top of the menu.

  • Step 3

    Click on the 'ICICI Pru Future Perfect'.

  • Step 4

    Click on ‘Buy Now’ and you will be redirected to a new page.

  • Step 5

    Enter your name and contact information. One of their representatives will reach out to you and discuss the quotes.

  • Step 6

    Once discussed you can make the premium payment and get the policy documents.

Buying from their branch office

You can buy the ICICI Pru Future Perfect Plan offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.

Your Occupation

Exclusions of ICICI Pru Future Perfect Plan

  • Suicide within 12 months of the policy purchase is not covered.
  • Consumption of any intoxicants.
  • Death due to any aviation accident.
  • Death due to any adventurous sports

Plan At a Glance

What’s Good Here What’s Missing
Guaranteed Maturity Benefit No Plan Options
Cash bonuses No High sum assured rebate
Guaranteed Death Benefit No Auto cover continuance
Guaranteed Additions No additional riders
Flexibility NA

Conclusion

ICICI Prudential Future Perfect is an ideal savings—and protection-oriented plan that helps you build wealth to achieve future goals while providing assured life cover.

For more info related to this plan, you can visit PolicyX.com, or call us at 1800 - 420 - 0269. Our insurance experts listen to your unique needs and suggest the best possible solution for you.

ICICI Prudential Future Perfect: FAQs

1. What is the ICICI Pru Future Perfect plan?

ICICI Prudential Future Perfect Plan is an ideal savings and protection-oriented plan that offers dual assurances of guaranteed benefits or life cover.

2. What types of cash bonuses are there in the ICICI Prudential Future Perfect Plan?

ICICI Prudential Future Perfect Plan cash bonuses consist of vested reversionary and terminal bonuses.

3. When can I surrender my ICICI Prudential Future Perfect Plan?

You can surrender your ICICI Prudential Future Perfect Plan anytime after paying premiums for two full consecutive years.

4. Can I revive ICICI Prudential Future Perfect Plan after 2 years of unpaid premiums?

Yes, once you pay your premiums and interest, your policies will be revived to their total value.

5. What is the claim settlement ratio of ICICI Prudential Life Insurance?

In terms of the number of policies settled during 2022-23, ICICI Prudential Life Insurance has an impressive claim settlement ratio of 97.8%.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

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Sahil Singh Kathait

Written By: Sahil Singh Kathait

A boy-in-squares bagging escapades of switching streets in groove & sensing musical airy-notes from 6 1". Under wayed nyctophile sketching the walls of life from the panorama of anime.