ICICI Pru Life - Life Time Gold Plan - Balanced Fund II

NAV on (06 Mar 2026)

88.2338

Objectives

ICICI Prudential LifeTime Gold, a regular premium unit-linked policy that offers potentially higher returns through the Multiplier Fund that invests in the top 50 large cap companies.LifeTime Gold also offers you the protective benefit of an insurance cover and financial security for your family.
Balancer Fund:
Objective--
Balance of the growth and steady returns from an equity & debt portfolio.
Asset allocation--
Equity and Equity Related Securities--0% to 40%
Debt,Money Market and Cash--60% to 100%
Potential Risk-Reward : Moderate

Benefits

Key benefits of ICICI Pru LifeTime Gold
1. Potentially higher returns over the long term by investing in unit-linked funds
2. Additional allocation of units at regular intervals to boost your investment
3. Option to withdraw your money systematically over a period of 5 years on maturity of the policy
4. Flexibility to increase your investment by investing surplus money over and above your premiums as topups
5. Eliminate the need to time your investment with the Automatic Transfer Strategy
6. In case of an unfortunate event of death, your family will receive the Sum Assured or Fund Value, whichever is higher
7. Cover Continuance Option available, which ensures continuance of life insurance cover, even if you wish to stop paying premiums
8. Tax benefits2 on premiums paid and benefits received under the policy, as per the prevailing lncome Tax laws
Partial Withdrawal Benefit
Partial withdrawals will be allowed after completion of 3 policy years and on payment of full 3 years premium. The minimum partial withdrawal amount is Rs. 2,000. There will be a 3 year lock-in period (from the date of payment) on the top-up premium for the purpose of partial withdrawals. However this condition will not apply if the top-up premiums are paid during the last three years of the policy term.
Maturity Benefit
On maturity of this policy, you will be entitled to receive the Fund Value at the time of maturity. Alternatively, you can opt for the Settlement Options available.
Death Benefit
In the unfortunate event of death during the term of the policy, the nominee shall receive the higher of Sum Assured (net of applicable partial withdrawals) or the Fund Value.

Entry Age Details

Minimum/Maximum Entry Age :
0-65 years

Premium Payment Term

Minimum Premium
Rs. 20,000 per annum (Yearly)
Rs. 24,000 per annum (Half yearly, Monthly)

Top-up Premium

Top-up Premium:
You can decide to increase your investment by investing surplus money over and above your premiums, at your convenience. The minimum amount of top-up is Rs. 2,000. Top-up premiums can be paid anytime during the term of the policy, as long as all due premiums have been paid. On availing of a top up, there will be an increase of Sum Assured and you will get an option of choosing an increase of either 125% or 500% of the top-up premium amount as the increase of Sum Assured.

Sum Assured Details

Minimum Sum Assured:
Annual Premium x 5

Investment Details of the Plan

Benefits in detail Choice of Investment Funds

We offer you a choice of 8 investment funds. You can choose to invest fully in any one fund or allocate your premiums into the various funds in a proportion that suits your investment needs3. Automatic Transfer Strategy

With this strategy, you can invest your premium as a lump sum amount in our money market fund (Preserver) and transfer a chosen amount every month into any one of the following funds: Multiplier/ Flexi Growth/R.I.C.H. This facility will be available free of charge.

Fund name & its objective				Potential Risk Reward
RICH.: Returns from equity investments in four types of industries viz., Resources, Investment/Capital Goods, Consumption and Human Capital leveraged	Equity & Equity Related Securities Debt, Money Market & Cash	80% 0%	100% 20%	High
Multiplier: Long term capital appreciation from an equity portfolio	Equity & Equity Related Securities Debt, Money Markets Cash	80% 0%	100% 20%	High
Flexi Growth: Long term returns from an equity portfolio of large, mid and small cap companies	Equity & Equity Related Securities Debt, Money Markets Cash	80% 0%	100% 20%	High
Flexi Balanced: Balance of capital appreciation and stable returns from an equity (large, mid and small cap companies) & debt portfolio	Equity & Equity Related Securities Debt, Money Markets Cash	0% 40%	60% 100%	Moderate
Balancer: Balance of growth and steady returns from an equity & debt portfolio	Equity & Equity Related Securities Debt, Money Markets Cash	0% 60%	40% 100%	Moderate
Protector: Accumulate steady income at a lower risk	Debt Instruments Money Markets Cash	100%	100%	Low
Preserver: Protection of capital through very low risk investments.	Debt Instruments Money Markets Cash	0% 50%	50% 100%	Capital Preservation
Return Guarantee Fund*: Provides guaranteed returns through investment in a diversified portfolio of high quality fixed income instruments	Debt Instruments Money Markets Cash	100%	100%	Low

*The Return Guarantee Funds (RGF) are closed ended funds of terms 5 and 10 years. They are intended to provide customers a return over a specified period, subject to a guarantee. The funds maybe offered in tranches over a period of time and each tranche will be open for subscription for a brief period of time and will terminate on a specified date. We shall guarantee the NAV at the termination of each tranche. We propose to offer new tranches of this fund from time to time and the guaranteed NAV would be specified at the time of launch of each tranche. If the customer opts for RGF at inception, only his first premium will be directed to the fund. Subsequent premiums are allocated to the other funds in a proportion specified by him at the time of inception. Kindly contact your nearest branch or our call center regarding its availability and the applicable guaranteed NAV.

Withdrawal

Partial withdrawals:
Partial withdrawals will be allowed after completion of 3 policy years and on payment of full 3 years premium. The minimum partial withdrawal amount is Rs. 2,000. There will be a 3 year lock-in period (from the date of payment) on the top-up premium for the purpose of partial withdrawals. However this condition will not apply if the top-up premiums are paid during the last three years of the policy term.

Premium allocation Charges

Premium Allocation Charge

This will be deducted from the premium amount at the time of premium payment and units will be allocated thereafter. All top-up premiums are subject to a premium allocation charge of 1%.

Annual Premium (Rs.)	% of premium
Annual Premium (Rs.)	Year 1	Year 2	Year 3 onwards
20,000-49,999	20%	7.5%	4%
50,000-4,99,999	18%	7.5%	4%
5,00,000-9,99,999	15%	7.5%	4%
10,00,000 & above	10%	7.5%	4%

Fund Management Charges

Fund Management Charge (FMC)

The annual fund management charges, which will be adjusted from the Net Asset Values of various funds, are as follows:

Fund

RICH., Flexi Growth, Balancer, Multiplier, Flexi Balanced

Protector,

Return Guarantee

Fund

Preserver

FMC

2.25% p.a.

1.50% p.a.

0.75% p.a.

'These charges will be deducted by cancellation of units.

Mortality Charges

Mortality Charge

Mortality charges will be deducted on a monthly basis on the life cover. Life cover is the difference between the Sum Assured and the Fund Value at the time of deduction of charges*. Indicative charges per thousand life cover per annum for healthy male and female lives

are as follows:

Age(yrs.)	7	20	30	40	50
Male (Rs.)	0	1.33	1.46	2.48	5.91
Female (Rs.)	0	1.26	1.46	2.12	4.85

Switching Charges

Switching Charge
4 free switches are allowed every policy year. Subsequent switches will be charged at Rs. 100 per switch*. During the first 3 policy yearsswitches will not be allowed unless all due premiums till date have been paid. Any unutilised free switch cannot be carried forward tosubsequent years.

Returns (as on 06-Mar-2026)

Period	Absolute (%)	Annualised (%)
1 Week	-1.3	0
1 Month	-1.3	-14.2
3 Months	-2.1	-8.2
6 Months	1	2.1
1 Year	7.4	7.4
2 Years	13.6	6.6
3 Years	31.3	9.5
5 Years	47.2	8

NAV Chart

Historic Graph:

From

52-week High

₹90.3051

02-Jan-2026

52-week Low

₹81.8242

13-Mar-2025

Claim & Solvency Ratio

Claim Ratio	Solvency Ratio
99% (2023-24)	2% (March 2024)

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Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It may also provide coverage for other types of health-related costs, such as prescription drugs, mental health services, and preventive care.

Why do I need health insurance? +

Health insurance helps protect you from high medical costs. It provides access to medical care when you need it, helping to pay for doctor visits, hospital stays, surgeries, prescription medications, and other health-related services.

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What is a deductible? +

A deductible is the amount of money you must pay out-of-pocket before your health insurance starts covering your medical expenses. For example, if you have a deductible of $1,000, you must pay $1,000 out-of-pocket before your insurance starts covering your medical bills.

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Copayment (copay): A fixed amount you pay for a covered health care service, typically when you get the service. Coinsurance: The percentage of the cost you pay for covered health services after you've paid your deductible. For example, if your coinsurance is 20%, you pay 20% of the bill, and the insurance company pays the remaining 80%.

What is an out-of-pocket maximum? +

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What is the difference between in-network and out-of-network providers? +

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What is a Health Savings Account (HSA)? +

A tax-advantaged account for people with high-deductible health plans (HDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Flexible Spending Account (FSA)? +

A tax-advantaged account for people with low-deductible health plans (LDHPs). The funds roll over from year to year and can be used for qualifying medical expenses.

What is a Health Maintenance Organization (HMO)? +

An HMO is a type of health insurance plan that requires you to choose a primary care physician (PCP) and get referrals from them to see specialists. HMOs often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers.

What is a Preferred Provider Organization (PPO)? +

A PPO is a health insurance plan that offers more flexibility in choosing healthcare providers and doesn’t require referrals to see specialists. You can see any doctor, but you’ll pay less if you use in-network providers.

What is the difference between a Health Savings Account (HSA) and a Flexible Spending Account (FSA)? +

HSA: A tax-advantaged account for people with high-deductible health plans (HDHPs) The funds roll over from year to year and can be used for qualifying medical expenses. FSA: A tax-advantaged account for people with low-deductible health plans (LDHPs) The funds roll over from year to year and can be used for qualifying medical expenses.

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A pre-existing condition is a medical condition that you had before you got your health insurance. It could include things like diabetes, high blood pressure, or heart disease.

Can I cancel my health insurance at any time? +

Yes, you can cancel your health insurance plan at any time. However, if you cancel outside the open enrollment period, you may not be able to get another plan until the next enrollment period unless you qualify for a Special Enrollment Period.

Are prescription drugs covered by health insurance? +

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What is preventive care? +

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What should I do if my health insurance claim is denied? +

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What happens if I don't have health insurance? +

If you don’t have health insurance, you can still access some health care services, such as emergency care, in-network doctors, and in-network hospitals. You may be eligible for Medicaid, which provides some health care services at no cost to you.

What is life insurance? +

Life insurance is a contract between you and an insurance company, where you pay regular premiums in exchange for a lump sum payment (death benefit) to your beneficiaries upon your death.

What are the different types of life insurance? +

Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). If you pass away during this term, your beneficiaries receive the death benefit. It does not build cash value. Whole Life Insurance: Offers lifetime coverage with a death benefit and also builds cash value over time, which you can borrow against or use. Universal Life Insurance: A flexible policy that allows you to adjust the premiums and death benefit while also building cash value.

How much life insurance coverage do I need? +

The amount of coverage you need depends on factors like your income, debts, family needs, and long-term financial goals. A common rule is to have coverage worth 10 to 15 times your annual income, but this can vary based on your individual situation.

What is the difference between beneficiaries and policyholders? +

The policyholder is the person who owns the life insurance policy and pays the premiums, while the beneficiary is the person or group that receives the death benefit when the policyholder passes away.

Can I change my beneficiaries? +

Yes, you can change your beneficiaries at any time during the life of the policy, as long as the policy is in force and you follow the correct procedure with the insurance company.

What is the contestability period? +

The contestability period is the time during which you have the right to contest the decision of the insurer to pay the death benefit. This period varies depending on the type of life insurance policy and the insurer.

Does life insurance cover accidental death? +

Some life insurance policies include accidental death coverage, while others may require a separate rider for this benefit. Be sure to review your policy to understand what’s covered.

Can I cancel my life insurance policy at any time? +

Yes, you can cancel your life insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is cash value? +

Cash value is the accumulated value of the life insurance policy that can be used to pay for expenses, such as medical bills or funeral expenses.

How do I borrow against cash value? +

You can borrow against the cash value of your life insurance policy, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What is the difference between whole life and universal life insurance? +

Whole life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and builds cash value over time. Universal life insurance offers lifetime coverage with a death benefit and also builds cash value over time.

How are life insurance premiums determined? +

Life insurance premiums are based on factors like age, health, lifestyle (e.g., smoking), coverage amount, and type of policy. Generally, younger, healthier individuals pay lower premiums.

Can I borrow money from my life insurance policy? +

If you have a whole life or universal life policy, it may build cash value over time. You can borrow against this cash value, but it will need to be repaid, and any unpaid loan will reduce the death benefit.

What happens if I stop paying my life insurance premiums? +

If you stop paying premiums, your policy may lapse. For permanent policies like whole or universal life, the cash value may cover the premiums for a time, but eventually, if premiums are not paid, the policy will end.

What is auto insurance? +

Auto insurance is a contract between you and an insurance company that provides financial protection against damage or injury caused by accidents, theft, or other incidents involving your vehicle. It covers both liability and your vehicle's repair costs depending on the type of policy.

What types of auto insurance coverage are available? +

There are several types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and additional coverage like roadside assistance and collision damage waiver.

How much auto insurance do I need? +

The amount of coverage you need depends on factors such as the value of your car, your driving habits, your state's legal requirements, and whether you own or lease your vehicle. A good starting point is to meet your state's minimum required coverage, but you may want additional coverage for added protection.

Can I cancel my auto insurance policy at any time? +

Yes, you can cancel your auto insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between liability and comprehensive coverage? +

Liability coverage covers the damages and injuries caused by accidents, while comprehensive coverage also covers non-accident damages, such as theft or vandalism.

How do I choose the right auto insurance policy? +

When selecting an auto insurance policy, consider factors such as the type of coverage you need, your driving habits, the value of your vehicle, and your state's legal requirements.

What factors affect my auto insurance premium? +

Several factors impact your insurance premium, including: Your driving history (accidents, tickets), The make, model, and age of your car, Your location (accident rates in your area), Your age, gender, and marital status, The level of coverage you choose, Your credit score (in some states).

What is a deductible? +

A deductible is the amount you must pay out of pocket before your insurance policy starts to cover the remaining cost of repairs or claims. For example, if you have a $500 deductible and incur $2,000 in damages, you will pay $500, and your insurer will pay the remaining $1,500.

What is the difference between comprehensive and collision coverage? +

Collision coverage pays for repairs to your vehicle after a collision with another vehicle or object, regardless of who is at fault. Comprehensive coverage covers non-collision incidents, such as theft, vandalism, or damage from natural disasters.

Can I get uninsured/underinsured motorist coverage? +

Yes, uninsured/underinsured motorist coverage is available in some states. This coverage provides financial protection for you if another driver is uninsured or underinsured.

Is auto insurance required by law? +

Yes, in most states, you are required to have a minimum level of liability insurance. Some states also require additional coverage like Personal Injury Protection (PIP) or uninsured motorist coverage. The requirements vary by state, so it’s important to check your local laws.

What happens if I don’t have auto insurance? +

If you drive without insurance, you risk facing legal penalties, fines, and the possibility of your driver's license being suspended. If you're involved in an accident, you could be held responsible for the damages.

Can I add other drivers to my auto insurance policy? +

Yes, you can add other drivers, such as family members or friends, to your policy. However, their driving record and age may affect your premium. It's important to inform your insurer about all the drivers in your household.

What should I do if I get into an accident? +

If you're in an accident, follow these steps: Ensure safety by moving to a safe location if possible. Call the police and file a report. Exchange contact and insurance information with the other driver(s). Take photos of the accident scene, vehicle damage, and injuries. Notify your insurance company about the accident as soon as possible.

What is home insurance? +

Home insurance is a contract between you and an insurance company that provides financial protection against damage or loss caused by natural disasters, theft, or other incidents.

What types of home insurance coverage are available? +

There are several types of home insurance coverage, including flood, fire, burglary, and liability. You may also have coverage for water damage, mold, and other property damage.

How much home insurance do I need? +

The amount of home insurance coverage you need depends on the value of your property, the type of coverage you want, and your insurance provider. You may also need additional coverage for water damage, mold, and other property damage.

Can I cancel my home insurance policy at any time? +

Yes, you can cancel your home insurance policy at any time, provided you follow the correct procedure with the insurance company.

What is the difference between flood and fire coverage? +

Flood coverage covers damage caused by floods, while fire coverage covers damage caused by fires.

How do I choose the right home insurance policy? +

When selecting home insurance, consider factors such as the type of coverage you need, the value of your property, and your insurance provider.

What factors affect my home insurance premium? +

Factors such as the type of coverage you need, the value of your property, and your insurance provider can significantly impact your premium.