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ICICI pru gold
  1. Insurance
  2. Savings Plans
  3. ICICI Pru Gold

Get a life cover³ and regular income² for long-term recurring financial needs with ICICI Pru GOLD

A protection and savings oriented plan that helps you grow your savings with guaranteed⁵ (T&C apply) income and participation in bonus4

Guaranteed⁵ Income with bonus⁴ for Life with ICICI Pru GOLD
  • Income¹ upto
    99 years

    of age

  • Choice of
    3 plan options

    to avail benefits as per your needs

  • Enjoy
    life cover3

    upto 99 years of age

Additional Details

Three Plan options

Immediate Income¹- Get Income¹ from first policy year/month. Immediate income¹ with booster- With regular income¹ get benefit as guaranteed booster after every 5th policy year. Deferred Income¹- You can choose to start receiving the income¹ after a few years (known as the deferment period) instead of starting immediately, as per your income¹ requirements

Regular income¹ and lumpsum² payout

Start receiving income¹ immediately or after a few years as per your needs till 99 years of age with a lumpsum² payout on maturity

Option to accumulate / withdraw income¹

Get an option to accumulate / withdraw income¹ any time or adjust future premiums from the income¹ thus accumulated with Savings wallet6

Choose the date to receive survival benefits

Option to receive income¹ on any date of your choice with Save the date7
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1Income: In plan option ‘Immediate income’ and ‘Immediate income with Booster’, starting from the fi rst policy year till the end of the policy term, you will receive a regular income at the end of every policy year/month, as chosen by you, provided the policy is in-force. For immediate income with booster, along with the regular income, you will also receive benefit (known as ‘Guaranteed Booster’) every 5th policy year, provided the policy is in-force. The guaranteed booster will be equal to 100% of the guaranteed income, as applicable for the year of payment. In ‘deferred Income’ plan option, you will receive regular income at the end of every year/month, starting from end of deferment period as chosen by you, provided the policy is in-force. You can start this income as early as 2nd policy year or as late as Premium Payment Term plus 1 year. This regular income will comprise of the following: Guaranteed Income (GI) and Income which will be linked to Bonus, if declared; referred to as Cash Bonus (CB). You will receive this income till the date of maturity, death, surrender or lapse of the policy, whichever happens first.



2For all plan options, on survival of the life assured till end of the policy term for a fully paid policy, Maturity Benefit will be sum of: (a)Sum Assured on Maturity, plus (b) Balance in the Savings Wallet (if any), plus (c) Terminal Bonus (if declared). The sum assured on maturity shall be the sum of annualised premiums payable under the policy.



3Life cover is the benefit payable on death of the life assured during the policy term.



4Bonuses will be applied through the simple bonus method. Cash Bonuses may be declared annually throughout the policy term for all three variants and will be expressed as a proportion of the Annualized Premium. For a new policy sold with Date of Commencement of Risk on or after April 1 in any financial year, there may not be any Cash Bonus rate declared for such policies when the Survival Benefit becomes due to be paid. In such circumstances, the Company may pay a fixed cash income benefit in lieu of Cash Bonus. This fixed cash income benefit will be based on a non-participating Cash Income rate (declared by the Company annually in advance) and once declared shall remain guaranteed to be paid as part of Survival Benefit as and when it is due. Such payments in the form of fixed benefit shall continue till a Cash Bonus rate (as applicable for the policy) is declared and the Cash Bonus benefit, if declared, becomes payable at the next benefit due date. A separate Terminal Bonus may be declared under each variant, and will be payable on death, surrender and maturity, respectively, for a premium paying or a fully paid policy. Please refer to the sales brochure for more details.



5In all plan options, guarantee is in the form of ‘Guaranteed income’ as regular income and ‘Sum assured on maturity’ as a part of Maturity Benefit. Additionally, in ‘Immediate Income with booster’ plan option, the ‘Guaranteed booster’ also forms a part of guaranteed benefits. Guaranteed returns are payable subject to all due premiums being paid and survival of the life assured.



6Savings wallet: You have an option to accumulate the Survival Benefit, instead of taking the same as a periodic payment during the policy term. You need to opt in for this feature through explicit consent vide request submitted to the insurance company, whereby the Survival Benefit when due will be transferred to the Savings Wallet. Upon crediting the Survival Benefit in the Savings Wallet on the due date, the Survival Benefit will be deemed to have been paid and any amount within the Savings Wallet will be non-participating in nature. This option can be opted for and opted out at any time during the Income Term. The money within the wallet will be accumulated daily at an interest rate linked to the Reverse Repo Rate published by Reserve Bank of India (RBI). The interest rate used for accumulation under this feature will be reviewed twice every year on 1st of June and 1st of December and will be set equal to Reverse Repo Rate published on RBI’s website as on the review date. The current Reverse Repo Rate as at December 1, 2023 is 3.35% p.a. In case the balance in the wallet is not withdrawn completely during the income term, such balance will be paid to the claimant in the event of death, surrender or maturity, whichever is earlier along with other benefit payments (if any). On payment of this benefit, the policy will terminate, and all rights, benefits and interests under the policy will stand extinguished. Please refer to the sales brochure for more details.



7Save the date: You can choose to receive the Survival Benefits on any one ‘Special Date’ during the policy year prior to the policy anniversary, as per your choice and the benefit will be paid on this chosen date every year through the income term till policy termination. This option to receive Survival Benefit on any one ‘Special Date’ can be availed by both in-force as well as paid-up policies. Please refer to the sales brochure for more details.



Standard Chartered Bank, India having its principal place of business at Crescenzo Building C-38/C-39 G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Phone: 6601 4444, is a licensed Corporate Agent of ICICI Prudential Life Insurance Company Limited (IRDAI registration no. 105) for life insurance products vide license number CA0028.The benefits/ features of the products are indicative only. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding sale. Insurance is the subject matter of solicitation. Insurance is underwritten by ICICI Prudential Life Insurance Company Limited and not by Standard Chartered Bank, India. Participation of the customers of Standard Chartered Bank in the policy is entirely voluntary. In facilitating insurance arrangements, the Bank is acting as a corporate agent of the insurer and not as an agent for customers. This webpage is being distributed for general information only. This webpage has not been prepared for any particular person or class of persons and it has been prepared without regard to the specific investment or insurance objectives, financial situation or particular needs of any person.



ICICI Prudential Life Insurance Company Limited – ICICI Pru Life Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai – 400 025. IRDAI Registration No.105. CIN:L66010MH2000PLC127837. Phone: 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). ICICI Pru Gold UIN: 105N190V02 A Non-Linked, Participating Individual Life Insurance Savings plan ADVT No: W/II/1554/2023-24





IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.