ICICI Pru Life - iProtect Smart Plan

* Enhanced protection: Coverage against death, terminal illness and disability.
* Comprehensive additional benefits: Boost your protection cover by choosing Accidental Death Benefit and Critical Illness Benefit.
* Special premium rates for non-tobacco users.
* Need based benefit payout: Choose to receive the benefit amount as a lump sum or as monthly income for 10 years.
* Flexibility to pay premiums once, for a limited period or throughout the policy term.
* Tax benefits: on premiums paid and benefits received as per the prevailing tax laws.

1. We will pay the Death Benefit (DB) to your nominee/legal heir, on the first occurrence of either Death of the Life Assured, or
Diagnosis of Terminal Illness
The policy will terminate on payment of this benefit. Death Benefit is the Sum Assured chosen by you.
2. On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits arewaived. We understand that paying future premiums to continue your life cover may be a burden in case of a disability. Thatis why this feature ensures that you do not need to pay your future premiums to continue your protection.
* Life Plus Option
In addition to the benefits under the Life Option, you are also covered for Accidental Death (AD) Benefit. In case of death due toan accident, we will pay your nominee/legal heir AD Benefit as lump sum. This benefit ensures that you enhance your coveragesignificantly at very affordable rates. The policy will terminate on payment of these benefits.
* Life & Health Option
In addition to the benefits under the Life Option, you are also covered for the Critical Illness (CI) Benefit. The CI Benefit offers youcoverage against 34 critical illnesses. When a major illness strikes, it can place a huge burden on your family, not only becauseof the cost of medical care but also because you may not be able to work. To protect you against this, we will pay you the CIBenefit, as a lump sum to meet your financial needs.The benefit is payable irrespective of the actual expenses incurred by thepolicyholder.
This benefit is payable, on first occurrence of any of the covered 34 illnesses. The CI Benefit, is accelerated and not an additionalbenefit which means, the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. Premiumpayment on account of CI Benefit will cease after payout of CI Benefit and the future premiums payable under the policy for deathbenefitwill reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CIBenefit. In case of incidences covered under accidental Permanent Disability as well as Critical Illness, benefits shall be paid outunder both the options.

Minimum / Maximum age at maturity 23 / 75 years.

Life 5 - 40 years 10 - 40 years 5 - 20 years
Life Plus 5 - 40 years 10 - 40 years 5 -20 years
Life & Health 5 - 30 years 10 - 30 years NA
All in One 5 - 30 years 10 - 30 years NA

Maximum Sum Assured - Unlimited

15 days from the date you received it, if your policy is not purchased through Distance marketing*
30 days from the date you received it, if your policy is purchased through Distance marketing*On cancellation of the policy during the free look period, we will return the premiumpaid subject to the deduction of:
a. Stamp duty paid under the policy,
b. Expenses borne by the Company on medical examination, if any
The policy shall terminate on payment of this amount and all rights, benefits andinterests under this policy will stand extinguished.