In today’s uncertain financial environment, securing guaranteed returns and life coverage is a top priority. ICICI Pru Gold, one of the latest offerings from ICICI Prudential Life Insurance, ensures both financial protection and wealth creation with guaranteed benefits. If you’re searching for a stable, secure gold insurance plan, ICICI Pru Gold could be an ideal choice.
Let’s explore the features, maturity return calculations, and ICICI Prudential policy details in this comprehensive guide.
What is ICICI Pru Gold?
ICICI Pru Gold is a non-linked, non-participating life insurance savings plan offered by ICICI Prudential Life Insurance. It is designed to offer:
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Guaranteed Maturity Benefits
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Life Insurance Cover
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Income or Lump Sum Option
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Flexible premium payment terms
This plan is perfect for individuals seeking financial security with predictable returns and insurance protection.
Key Features of ICICI Pru Gold
1. Guaranteed Returns
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Enjoy guaranteed maturity benefit at the end of the policy term.
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Choose between lump sum payout or regular income stream.
2. Life Insurance Coverage
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Full life cover for the policy term.
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Helps protect your family financially in case of the unfortunate.
3. Premium Payment Flexibility
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Choose from Single Pay, Limited Pay (5/7/10 years), or Regular Pay options.
4. Tax Benefits
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Eligible for tax deduction under Section 80C and Section 10(10D) of the Income Tax Act.
5. Policy Terms
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Choose from terms ranging from 10 to 20 years.
ICICI Pru Gold Plan Maturity Return Example
Here's a sample maturity benefit illustration:
| Details | Value |
|---|---|
| Age | 30 years |
| Premium | ₹1,00,000/year |
| Policy Term | 15 years |
| Premium Payment Term | 7 years |
| Sum Assured | ₹10,00,000 |
| Maturity Benefit (Approx.) | ₹12,00,000+ |
📌 Note: The actual maturity amount may vary based on the plan option and benefit chosen. Always refer to the ICICI Pru Gold calculator or get a policy illustration from ICICI Pru Life advisors.
ICICI Prudential Life Insurance Plans Overview
Apart from ICICI Pru Gold, ICICI Prudential Life offers a wide range of insurance solutions, These ICICI Prudential Life Insurance plans cater to a variety of life goals—retirement, child education, income, or wealth creation.
Benefits of ICICI Pru Gold
1. Assured Returns
Unlike ULIPs or market-linked products, the ICICI Pru Gold plan offers guaranteed returns with no market risk.
2. Customization
Customize the plan to suit your income frequency—monthly, yearly, or lump sum.
3. Trusted Insurer
Backed by ICICI Bank, ICICI Prudential Life has a strong solvency ratio and claim settlement record.
ICICI Prudential Policy Details
To check your ICICI Prudential Life Insurance policy details, you can:
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Visit www.iciciprulife.com
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Log in to the "Customer Portal" using your registered mobile number or policy number
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Use the ICICI Pru Life mobile app
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Call ICICI Pru customer care at 1860 266 7766
You can view:
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Policy Status
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Premium Due Dates
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Fund Value (if ULIP)
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Maturity Amount
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Loan Against Policy (if eligible)
How to Buy ICICI Pru Gold Plan Online?
Follow these steps:
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Visit the official ICICI Pru Life website
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Navigate to ICICI Pru Gold Plan
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Use the ICICI Pru Gold Plan Calculator to estimate maturity benefits
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Fill in the proposal form and upload KYC
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Make the payment online securely
Why Choose ICICI Prudential Life Insurance?
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✅ Claim Settlement Ratio (CSR): 98.7%*
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✅ Trusted by Millions of customers across India
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✅ Pan-India Presence with strong digital service network
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✅ Backed by ICICI Bank, one of India’s leading financial institutions
Final Thoughts
If you're looking for a guaranteed savings plan with life cover, ICICI Pru Gold stands out as a reliable and rewarding investment option. It blends guaranteed maturity benefits, customizable payout options, and ICICI Pru Life’s trust—making it a solid choice for your future financial needs.
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