What are the main benefits of the ICICI Pru iProtect Super?
Understanding the benefits of the ICICI Pru iProtect Super helps you make a well-informed decision. Here’s what makes this policy stand out:
- ✔ No income proof required
One of the most significant benefits of the ICICI Pru iProtect Super is that eligible applicants don’t need to submit income documents. This makes it ideal for gig workers, self-employed professionals, small business owners, and individuals without a consistent salary. - ✔ Premium break feature
Financial emergencies can happen anytime. With the Premium Break option, you can pause premium payments for up to 12 months during your policy term. This flexibility ensures you stay covered even when facing temporary financial hardship. - ✔ Smart exit option – Refund of premiums
The Smart Exit feature allows you to receive 100% of the premiums you’ve paid (excluding taxes and rider premiums), if you choose to exit after a certain period. This is an excellent option for those who prefer return-of-premium benefits in addition to life cover. - ✔ Flexible coverage for modern lifestyles
The plan accommodates various professional profiles—from salaried individuals to freelancers, doctors, startup founders, and consultants. The customizable structure ensures protection that grows with your responsibilities and life goals. - ✔ Enhanced protection with riders
You can strengthen your coverage by adding riders like critical illness protection, accidental death benefit, and waiver of premium in case of disability. These optional features provide well-rounded financial protection against life’s unexpected events. - ✔ Coverage until age 99
ICICI Pru iProtect Super offers life coverage for up to 99 years of age, ensuring lifelong peace of mind for those who want extended protection for their family.
Is ICICI Prudential Life Insurance a reliable company?
Yes, ICICI Prudential Life Insurance is one of the most trusted and established insurers in India. As a joint venture between ICICI Bank, a leading private sector bank, and Prudential Corporation Holdings, a global financial services group with over 170 years of expertise, the company has built a strong reputation for stability and customer-centric service.
Choosing a life plan from such a reputable provider significantly enhances the benefits of the ICICI Pru iProtect Super, as policyholders gain access to a robust digital infrastructure, high claim settlement ratio, and responsive support. With millions of satisfied customers and a legacy of innovation, ICICI Prudential ensures that your term insurance experience is secure, transparent, and built for long-term peace of mind.
Who can apply for this term insurance plan?
To enjoy the benefits of the ICICI Pru iProtect Super, applicants must meet certain criteria. Here are the basic eligibility requirements:
↪ Be an Indian citizen aged 18 to 65 years
↪ Select a policy term between 5 and 81 years
↪ Choose a minimum life cover of ₹50 lakhs
↪ Provide basic identity and address proofs
↪ Meet the health and medical underwriting guidelines
↪ For Smart Exit: Choose a policy term of 30+ years and exit after 25 years
↪ No income proof required for eligible applicants
What does the ICICI Pru iProtect Super cover?
Here’s what your plan includes when you opt for the ICICI Pru iProtect Super:
✔ Death benefit paid to the nominee in case of the policyholder’s demise
✔ Terminal illness benefit, offering early payout upon diagnosis
✔ Optional accidental death rider
✔ Optional critical illness rider (34 illnesses covered)
✔ Waiver of premium in case of permanent disability
✔ Smart exit: Return of 100% base premiums under defined conditions
✔ Extended cover up to 99 years
These coverage options make the ICICI Pru iProtect Super one of the most flexible and feature-rich term insurance plans in India.
A word of advice for you!
When it comes to protecting your loved ones and planning for the future, delaying life insurance can be a costly mistake. The earlier you start, the better the coverage—and the lower the premiums. That’s why understanding the benefits of the ICICI Pru iProtect Super is so important.
This plan not only offers comprehensive life cover but also gives you flexibility with features like Premium Break and Smart Exit, making it ideal for India’s diverse and evolving workforce. If you’re self-employed, have dependents, or simply want peace of mind, this policy provides a reliable foundation for long-term financial security. Don’t wait for the perfect moment—start protecting your future today.
See how to maximize the benefits of the ICICI Pru iProtect Super!
To fully enjoy the benefits of the ICICI Pru iProtect Super, it’s important to customize the plan according to your unique financial goals and life stage. Whether you’re a young professional starting out, a parent securing your family’s future, or a business owner looking for long-term protection, this policy offers flexible options that grow with you. Adding riders like critical illness or accidental death coverage can further enhance your protection.
Don’t miss the opportunity to safeguard your loved ones with one of the most adaptive and inclusive term insurance plans in India. Click below to explore all the features and begin your journey toward smarter financial planning today.