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Power your dreams, protect your future, secure a lifelong income and more with the ICICI Pru Lakshya plan.

Lakshya Insurance Plan

Power your dreams, protect your future, secure a lifelong income and more with the ICICI Pru Lakshya plan.

Prepare for your retirement with this insurance plan

The ICICI Pru Lakshya plan gives you an income with policy benefits till the age of 99 years under the ‘Lifelong income’ option and the potential to grow your wealth with the promise of protecting your money in the ‘Wealth plan’ option.


1Guaranteed income will be set at policy inception and is a multiple of Annualised Premium. Cash bonuses will be a proportion of the sum assured on maturity and are payable annually till death or till age 99 years, whichever is earlier. Cash bonuses will be declared, if any, each financial year after the Income Start Date, till age 99 or death whichever is earlier and only premium paying policy will be entitled to future cash bonuses. Income start date will be 5 years after the end of the Premium paying term.

2Guaranteed Value Benefits will be set at policy inception and will depend on age, policy term, premium, premium payment term and gender.

3Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the sum total of the ‘Sum Assured on Maturity’ and the applicable ‘Guaranteed Value Benefits’. Terminal Bonus may be declared by the Company and will be payable at policy maturity or on death. For lifelong option, regular additions may be declared from first year till income start date.

4Sum assured on maturity is equal to your total contribution throughout the policy term.

5You can avail loans under this policy after the policy acquires surrender value. Loan amount of up to 80% of the Surrender Value can be availed. You have an option to en-cash regular addition after 2 full years’ premium payment.

6Tax benefits under the policy are subject to conditions under Section 80C, 10(10D) of the Income Tax Act. The user/investor needs to verify all the facts and circumstances with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information. Goods and Service Tax and Cesses will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time.

7Accrued regular additions can be encashed as cash pay-out after multiplying it with the cash value factor which would be declared every financial year. This option is available for those policies for which all due premiums have been paid. For further terms and conditions kindly read the product brochure carefully.

Standard Chartered Bank, India having its principal place of business in India at Crescenzo Building C-38/C-39 G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051 is a licensed Corporate Agent of ICICI Prudential Life Insurance Company Limited (IRDA 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. Participation of the customers of Standard Chartered Bank in the policy is entirely voluntary.

The content of this webpage do not constitute a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are products of and underwritten by ICICI Prudential Life Insurance company Limited and not Standard Chartered Bank, India. In facilitating insurance arrangements or in referring customers to any insurer, 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 and it does not constitute an offer, recommendation, solicitation to enter into any transaction. 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. You should seek advice from a financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase any product. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether this product is suitable for you.

ICICI Prudential Life Insurance Company Limited – ICICI Pru Life Towers, 1089 Appasaheb Marathe Marg, Prabhadevi, Mumbai – 400 025. This advertisement is designed for ICICI Pru Lakshya Lifelong Income and ICICI Pru Lakshya Wealth which is offered under ICICI Pru Lakshya. The customer has the choice of purchasing other options under ICICI Pru Lakshya as per his/her needs and there is no compulsion to purchase this option as suggested by the Insurer and as presented in this advertisement. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. 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) UIN: 105N179V01 ADVT No: W/II/1134/2019-20


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.