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  • ICICI Prudential Life Insurance

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    Started in the year 2001, ICICI Prudential is one of the largest private players in the Indian insurance scenario. The company, which is a joint venture between ICICI Bank Ltd. and Prudential Corporation Holdings Ltd., a UK-based MNC, has an in-force sum assured of over 3 trillion rupees as on June 2016. ICICI Prudential, with its 5 guiding principles—integrity, boundary less, customer first, passion, and humility—has been offering quality services to its vast, ever-growing customer base.

    Highlights of ICICI Life Insurance Updated on 17 Dec 2018

    Percentage of Grievances Solved 99.96%
    Claim Settlement Ratio 96.68%
    Group Death Claims 99.16%
    Percentage of Claims Rejected -0.11%
    Solvency Ratio 2.81 (for the quarter ended March 2017)
    icici prudential life insurance
    ICICI Prudential Life Insurance

    Products and Services offered by ICICI Prudential Life Insurance Company:

    ICICI Prudential has a wide array of insurance products across different niches ranging from investments and protection to savings, all of which cater to the needs and goals of different individuals. Listed below are all the products offered by the company under different categories:

    ICICI Term Insurance Plans ULIP Plans Traditional Savings/Money Back Plans Retirement Plans Group Plans Rural Plans
    ICICI Pru iProtect Smart ICICI Pru Wealth Builder II ICICI Pru Cash Advantage ICICI Pru Easy Retirement ICICI Pru Loan Protect ICICI Pru Sarv Jana Suraksha
    ICICI Prudential Smart Health Cover ICICI Pru Guaranteed Wealth Protector ICICI Pru Savings Suraksha ICICI Pru Immediate Annuity ICICI Pru Loan Protect Plus ICICI Pru Anmol Bachat
    ICICI Pru iCare II ICICI Pru Smart Life ICICI Pru Assured Savings Plan ICICI Pru Group Term Plus
    ICICI Pru Life Raksha ICICI Pru Elite Wealth II ICICI Pru Future Perfect Group Gratuity Plan
    ICICI Pru Elite Life II Group Superannuation
    ICICI Prudential Smart Kid Solution Group Leave Encashment
    Group Immediate Annuity Plan

     

    ICICI Term Insurance Plans:

    Term insurance plans, also known as protection plans, are insurance policies which offer coverage for a person assured for a particular term specified in a policy document. These plans, among other things, usually offer payouts to a person assured’s family (nominees) in case he/she meets an untimely death. There are also plans under this category which come with survival and tax benefits among others. Here’s a list of all the term plans offered by ICICI Prudential Life Insurance Company:

    • ICICI Pru iProtect Smart
    • ICICI Prudential Smart Health Cover
    • ICICI Pru iCare II
    • ICICI Pru Life Raksha

    ICICI Prudential ULIP Plans:

    Unit Linked Insurance Plans, often called ULIPs, are plans which offer returns based on the stock market. The way ULIPs works can be explained in simple terms. Premiums the company receives will be invested in debt and equity funds to gather higher returns. These investments are done by fund managers who carefully analyse the best-selling stocks and their profit/loss patterns before committing money to such funds. ULIPs are basically the best option available if an individual is looking to increase their wealth. The list of ULIPs offered by ICICI Prudential is as follows:

    • ICICI Pru Wealth Builder II
    • ICICI Pru Guaranteed Wealth Protector
    • ICICI Pru Smart Life
    • ICICI Pru Elite Wealth II
    • ICICI Pru Elite Life II
    • ICICI Prudential Smart Kid Solution

    ICICI Traditional Savings/Money Back Plans:

    These are insurance plans which offer the benefit of savings, meaning the premiums an individual pays will be returned to them with interest. With these plans, individuals can also choose the frequency and the amount they want to receive at a particular time. ICICI Prudential’s list of savings/money back plans are as follows:

    • ICICI Pru Cash Advantage
    • ICICI Pru Savings Suraksha
    • ICICI Pru Assured Savings Plan
    • ICICI Pru Future Perfect
    benefits of icici prudential life insurance
    Benefits of ICICI Prudential Life Insurance

    ICICI Pru Retirement Plans:

    Retirement plans are those that help individuals pay a premium so as to secure their finances post their employment phase. These plans usually offer various different payout options and a policyholder can choose between any of the options proffered to them. Here’s a list of all the ICICI Prudential retirement plans:

    • ICICI Pru Easy Retirement
    • ICICI Pru Immediate Annuity

    ICICI Pru Group Plans:

    Group plans are plans which are specifically made available for small and large business corporations that are required to provide their employees with a number of benefits. These benefits include annuity, leave encashment, term insurance, health insurance, and the like. ICICI Prudential has a few dedicated group plans in its portfolio. These include:

    • ICICI Pru Loan Protect
    • ICICI Pru Loan Protect Plus
    • ICICI Pru Group Term Plus
    • Group Gratuity Plan
    • Group Superannuation
    • Group Leave Encashment
    • Group Immediate Annuity Plan

    ICICI Pru Rural plans:

    Rural plans are those which cater to the savings and insurance needs of rural populace. ICICI Prudential has a few rural plans under its portfolio. They are as follows:

    • ICICI Pru Sarv Jana Suraksha
    • ICICI Pru Anmol Bachat

    Company Offices - Where you can find ICICI Prudential Life Insurance:

    ICICI Prudential has a customer care number, which prospective policy buyers and existing customers can contact to have their queries resolved. This number is as follows:

    1860 266 7766

    Note: This number is only valid for Indian customers and contacting through it incurs standard call charges. Also, it is available for six days a week from Monday to Saturday, except national holidays and sundays.

    Awards Won by ICICI Prudential Life Insurance:

    Since the inception of the company a little over one and a half decade ago, ICICI Prudential has won plenty of awards for its contribution to the Indian insurance sector. The list of accolades the company has collected include:

    • Product of the Year by Nielsen survey for iProtect Smart Life Cover plan for its innovation.
    • Ranked among the best brands in BFSI sector for two years in a row (2014 and 2015) by Millward Brown.
    • First prize for innovation at Qimpro Awards 2014.
    • Silver Effie award for its Acche Bandeh brand campaign in 2013.
    • Winner of Shared Service in India - Insurance Domain Category in 2012.
    • Winner of Insurance Company of the Year and Company of the Year awards in 2011 for Life Insurance category.
    • Winner of Best Leading Private Player Life Insurance at CNBC Best Bank and Financial Institution Award for 2011.

    ICICI Prudential Life Insurance - Board of Directors and Shareholding Pattern:

    ICICI Prudential is run by a number of highly skilled people, who at the helm, have been affecting all the positive growth the company has been responsible for. Here’s all the board of directors listed out for you:

    • Chanda D. Kocchar - Chairperson
    • N.S. Kannan - Director
    • Adrian O’Connor - Director
    • Prof. Marti G. Subrahmanyam - Independent Director
    • Rama Bijapurkar - Independent Director
    • Vinod Kumar Dhall - Independent Director
    • V.Sridhar - Independent Director
    • M.S. Ramachandran - Independent Director
    • Dilip Karnik - Independent Director
    • Sandeep Bakhshi - Managing Director and CEO
    • Puneet Nanda - Executive Director
    • Sandeep Batra - Executive Director

    Shareholding Pattern of ICICI Prudential Life Insurance:

    As of data released by the company on June 30, 2015, shareholding pattern of the company is as mentioned in the table below:

    Shareholder No. of Shares Percentage of shares owned
    ICICI Bank Limited 1,055,310,907 73.70%
    Prudential Corporation Holdings Limited 370,774,884 25.90%
    Others 5,738,490 0.40%
    Total 1,431,834,281 100.00%

    Claim Settlement Ratio

    In terms of settling claims, ICICI Prudential ranks among the top 10 insurance companies in the country. Here’s a table that lists out the claim settlement ratio of the company for 2016-17.

    No. of claims received No. of claims approved Claim settlement ratio Time Taken (average)
    10,901 10,539 96.68% 20

    Below is the claim settlement ratio trend for the company from 2009-2017

    Year 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
    Settlement ratio 90% 95% 96% 97% 94% 94% 96% 97%

    How to Settle a Life Insurance Claim with ICICI Prudential Life Insurance?

    ICICI Prudential follow a very simple 3-step procedure to settle claims submitted before them. Here’s how the process works:

    • Step 1: Reporting the claim

      To get a claim settled, a claimant must first report the claim to the company. It can be done in any number of ways. For instance, a claimant can submit their claim online, call the Claimcare helpline, visit branch, email/SMS claim, and direct mail. Once the report is done, a claimant needs to submit a written settlement request with the Claims Cell Office for the claim to be registered formally.

    • Step 2: Reviewing the claim

      Once a claim is submitted with the company, a dedicated Claimcare team will access the claim details. If they feel that the documents provided aren’t up to the mark, they will raise a request for additional documentation within 8 calendar days. Also, this team will assist a claimant in case he/she faces any difficulty during the settlement period.

    • Step 3: Settlement

      After the first two steps are successfully done with, the company will settle the claim within the corresponding 12-day period. Also, the company only uses e-transfers to settle the amount in order to reduce documentation.

    News about ICICI Prudential Life Insurance

    • ICICI Prudential gets their very own WhatsApp business account

      As part of the digitisation drive that was rolled out by the Government of India, insurers across the country are looking for new ways to connect with their customers. Recently, ICICI Prudential launched their business account on WhatsApp and are determined to use the messaging platform that is owned by Facebook to reach out to their customers in a more efficient and comfortable manner. The life insurer took the decision after the pilot project of using WhatsApp by Future Generali was successful. ICICI Prudential launched their business WhatsApp account on November 19, 2018. The company has insisted that their WhatsApp account will be used to connect with their customers about their policies and policy updates and it will not be used informally or to spam customers. According to the deputy manager of the company, it will be a verified account it will be a secured channel for communication. In addition, the WhatsApp feature will be inter-linked to our Customer Relationship Management (CRM) system with virtually no human intervention and an Artificial-Intelligence system at the backend will take care of all communications with the customer. The deputy manager was reported by Business Standard.

      30 November 2018

    • ICICI Prudential Life Insurance to use WhatsApp to interact with customers

      In what would be the first, ICICI Prudential Life Insurance has tied up with WhatsApp to interact with their customers. Looking for a fast, secure and convenient way of interacting with their customers, ICICI Prudential Life Insurance has chosen the facebook owned messaging service as its mode of communication. According to the deputy manager of ICICI Prudential, Puneet Nanda, With the WhatsApp tie-up, we are the only official partner (life insurer) with WhatsApp on this. We will now give our customers the option to interact with us through WhatsApp. If they like, they can register, and once they do so, we will start sending customer communication information relevant to them through WhatsApp. According to the insurer, as of now, the company will focus on interacting with customers to clear their queries regarding their policies, and will further their approach to update customers on the latest updates on policies and other relevant information. The deputy manager of ICICI Prudential insisted that the tie up with WhatsApp was not part of their revenue generating model, but a means to interact with their customers on a more personal and efficient basis.

      28 November 2018

    • ICICI Prudential Life: Q2 FY19 net premium income increases by 16.2% Y-o-Y

      ICICI Prudential Life Insurance Company saw a 16.2% increase year-on-year (Y-o-Y) in the net premium income in the second quarter of fiscal year 2019. The estimate for the net premium income was Rs.7,303 crore and the actual was equal to Rs.7,601 crore. The gross written premium of the insurer also increased by 16% Y-o-Y. The new annualized premium equivalent (APE) of the new business written in the first half of FY2019 reduced by 5.4%. But during the second quarter of FY 2019, however, the APE went up by about 6%, thanks to the growth in APE of the new business ULIP by 13.7%. The focus of the company is to increase the overall value of the new business premium. The net profit of the company declined by 28.57% to around Rs.300 crore. The reason for the decline in net profit is said to be the strain caused by the higher new businesses. The strain is caused by the protection segment as well as the increased expenditure on ads yearly. Hence the company wishes to focus on increasing the absolute value of new business in order to increase profits in the future.

      24 October 2018

    • RBI approves appointment of Sandeep Bakshi as the CEO and MD of ICICI Bank

      The Reserve Bank of India has approved the appointment of Sandeep Bakshi as the Chief Executive Officer (CEO) and Managing Director (MD) of ICICI Bank.

      Sandeep Bakshi will take over from Chanda Kochhar and will be the MD and CEO of the Bank for a period of five years till October 2023.

      Bakshi has been part of the ICICI Group for 32 years. He was the CEO and MD of ICICI Prudential Life Insurance Company. Bakshi also successfully spearheaded the insurance company’s Rs.60.6 billion initial public offering (IPO) in September 2016 which was the first instance of an Indian insurance company getting listed.

      16 October 2018

    • Sandeep Bakhshi replaces Chanda Kochhar as CEO of ICICI Bank

      ICICI Bank appointed Sandeep Bakhshi as its new CEO following the early retirement of Chanda Kochhar. Taking over this new role from October 3, Mr.Bakhshi will continue in office for a term of five years.

      Sandeep Bakhshi has been associated with ICICI for over 3 decades, having joined the group in 1986. He has previously led ICICI Prudential Life Insurance and helped make the company public in the year 2016.

      8 October 2018

    • GST impact on insurance policyholders

      The current tax rate for financial services sector is 15%. GST council has suggested 18% tax rate this year. This could have a direct impact on the premiums paid by the insurance policyholders across the country. Though GST is considered to have a positive effect on the economy, according to Sandeep Batra, the Executive Director of ICICI Prudential Life, the additional 3% tax rate will be borne by the policyholders. GST could result in the financial sector contributing to an increasing share in the national income across organised and unorganised sectors.

      24 May 2017

    • ICICI Prudential Life Insurance Acquires 33.23 Lakh Shares Of DB Corp

      Amansa Holdings Private Limited, a Singapore-based fund management firm recently sold a total of 3,772,562 shares of DB Corp (Dainik Bhaskar Group) at the price of Rs 350.07 per share on the Bombay Stock Exchange. Out of this, over 33 lakh of Dainik Bhaskar Corp. were purchased by ICICI Prudential Life Insurance Company Limited, who bought exactly 3,323,619 shares at the price of Rs. 350 per share. After the sale, Dainik Bhaskar Corp. closed at Rs 375.65, which was a 1.54% or Rs.5.70 increase from its previous stock price. The company’s share price reached a 52-week high at Rs 447.85 and 52-week low Rs 326.30 on 20 October, 2016 and 20 May, 2016, respectively.

      6 May 2017

    • ICICI Bank Makes Three-Fold Profits In Quarter4, Bad Loans Rises By 26%

      One of the leading private sector lender, ICICI Bank stated that their fourth quarter standalone profit increased by 188.4% this year. Simultaneously, bad loans increased sharply due to one account in cement sector. Deposits at the end of March quarter stood at Rs 4.9 lakh crore, a growth of 16.3 percent compared with same quarter last year. On the other hand, the stock price of ICICI Bank, which announced earnings after market hours, closed down 1.16% at Rs 272.75 on the BSE.

      4 May 2017

    • ICICI Pru Life Aims To Grow Its Protection & Savings Business

      India’s leading private life insurer ICICI Prudential Life recently announced that it is looking to grow their savings and protection business. In FY17, ICICI Prudential witnessed an 87.1% growth in their protection business which went up to Rs.260 crore. The insurance company enjoys an overall market share of 12% and a 22.3% share in the private sector market, on the basis of retail weighted received premium (RWRP) for FY17. Mr. Sandeep Batra, Executive Director, ICICI Prudential Life mentioned that retail protection made up for Rs 209 crore of the total business in FY17, as compared to Rs.94 crore in FY16. He also added that ICICI’s customer-centric philosophy has helped the insurer achieve modest sales good which have led to higher persistency. The 13th month persistency was recorded at 86% as compared to 82.4% in FY16.

      27 April 2017

    • ICICI Prudential’s net profit soared to Rs.408 crores in Q4 of 2016

      ICICI Prudential has reported an increase in its net profit at Rs.408.2 crores for the last quarter of fiscal year 206-17. A similar rise in net profit was reported even in the last quarter of the previous fiscal year. The Value of New Business (VNB) rose by 61.7% when as compared to the previous year’s VNB figures. This increase in VNB is attributed to the enhancement of protection business by the company. The Embedded Value (EV) of ICICI Prudential as on 31 March, 2017 is Rs.16,184 crores.

      26 April 2017

    ICICI prudential Life Insurance Reviews

    • ICICI Prudential Life Insurance
      "Need to be quick and more responsible"
      0.5 2.0/5 "Expected more"
      I have not received the documents even I called the customer care thrice and they were informing I will get within a week or 2 weeks but it was not done. I am happy with the plan benefits and policy coverage so I took a term insurance for me with ICICI Prudential.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • ICICI Prudential Life Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I took a term plan with ICICI Prudential through online, the plan is good. I am paying monthly premium of 1243 rupees through online. The tenure period is 30 years and policy coverage is 1 crore. The customer service is good. Auto debit facility is not working.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 08, 2018
    • ICICI Prudential Life Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have purchased a term plan with ICICI Prudential through online portal. It is a long term policy. The customer service is good and they are responding properly. They have explained me about the policy benefits. The payment mode is online, I pay the premium annually.
      Was this review helpful? 0
      , dombivli
      Reviewed on Dec 08, 2018
    • ICICI Prudential Life Insurance
      "Keep the customer informed about performance of policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a Wealth Plus policy with ICICI Prudential, its a equity link policy. Premium is 5 years and the maturity is 10 years then highest NAV(Net Asset Value) will be paid to the customer. I have paid 5 premium, after this there was no call from the representative for the last 3 years.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 08, 2018
    • ICICI Prudential Life Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I took a term insurance with ICICI Prudential through online. The tenure period is about 75 years. They would consider in the extending term for 100 years. They have sent the insurance papers on time. I am not really satisfied with the benefits. I need to pay annually 12 to 14K through online. The payment mode is easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2018
    • ICICI Prudential Life Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have purchased a term insurance with ICICI Prudential through online channel. I have chosen it for lower premium and the best benefits. The payment mode is online and its convenient. I have to pay monthly premium around 370 rupees. The sum assured value is 50L.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • ICICI Prudential Life Insurance
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      I have taken my life insurance from ICICI Prudential. It is a normal traditional plan. The tenure is for 20 years and the premium is paid on a monthly basis. It gets debited from my account. The sum assured and the plan benefits are to my satisfaction.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 28, 2018
    • ICICI Prudential Life Insurance
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I have taken a term insurance with ICICI Prudential. It is a iProtect Smart - Life & Health plan. The sum assured is for One crore, plus there are benefits for Critical Illness for 10 Lakhs. The tenure is for 30 years. But the major drawback is I have not received the policy documents yet. They are yet to send me the hard copy and the soft copy too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 24, 2018
    • ICICI Prudential Life Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      The process to get the term insurance from ICICI Prudential was easy. The process is good. The sum assured is also satisfactory. I have made my payment for the premium through my credit card. I have chosen the auto debit option as well. So the payment would happen by default.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 23, 2018
    • ICICI Prudential Life Insurance
      "Good features"
      0.5 5.0/5 "Blown Away!"
      I have taken my term insurance from ICICI Prudential. It is a iProtect Smart - Life plan. The process to buy the policy online is easy and smooth. There are no issues. The customer support is good. There are good benefits and the sum assured is good. The premium is nominal too. The sum assured is for 50 Lakhs.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 23, 2018
    • ICICI Prudential Life Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a term insurance with ICICI Prudential. It is a iProtect Smart - Life plan. The sum assured is for 50,00,000. The premium is of Rs.609, which is paid on a monthly basis. The tenure is for 51 years. I have received the policy documents on time too.
      Was this review helpful? 1
      , faridabad
      Reviewed on Nov 11, 2018
    • ICICI Prudential Life Insurance
      "Should take of customer's queries"
      0.5 1.0/5 "Really Bad"
      ICICI Prudential person didn't cooperate with me, generally I get a message before the due date of my term insurance. But I am not sure how to make the payment on monthly basis. But I am fine with the policy coverage of Rs. 1 crore, for the premium around 1600 on monthly basis.
      Was this review helpful? 0
      , bokaro
      Reviewed on Oct 31, 2018
    • ICICI Prudential Life Insurance
      "Person should have term insurance"
      0.5 4.0/5 "Great!"
      Since I'm a corporate customer of ICICI i have taken my term insurance policy with ICICI Prudential. I have chosen the tenure period of 7 years and the policy will get matured after 14 years. I have no idea about the sum assured amount . 7 years back, i have purchased the policy and i pay the premium amount of Rs. 30000 every year.
      Was this review helpful? 0
      , salem
      Reviewed on Oct 30, 2018
    • ICICI Prudential Life Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I received my term insurance documents on time from ICICI Prudential, the activation process was also done without any hassles. ICICI is rank good amoug all the policies which I compared, the customer reviews are good, the coverage is also as per my expectation with good monthly premium.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 29, 2018
    • ICICI Prudential Life Insurance
      "Benefits should be improved"
      0.5 1.0/5 "Really Bad"
      I have ULIP plan, basically the coverage is very low and the growth gets differ based on the market value. They give promotion of 10 to 12% its not happening as of now. I make yearly premium locking period for three years its not beneficial. Because the return value is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 26, 2018
    • ICICI Prudential Life Insurance
      "Policy is Good"
      0.5 4.0/5 "Great!"
      I used to make the payment through ECS. The premium amount what I'm paying with the policy is not covered for the critical illness. They have policy covered with the Critical illness. Because of the ICICI Brand value i have selected the term insurance with ICICI Prudential. I have chosen the tenure period upto 75 years of my age. This is a tax benefitable policy
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 26, 2018
    • ICICI Prudential Life Insurance
      "Good Plan for Children"
      0.5 4.0/5 "Great!"
      I have taken smart kit plan for my children, after 20 years old. My daughter can take the return value around Rs. 7.50 lakhs with the life cover. I am very fine with this policy because its useful for my child future. Overall its a good policy for children.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 25, 2018
    • ICICI Prudential Life Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I found ICICI is best they are providing good coverage around Rs. 1 crore, upto the life cover of 75 years. Total tenure of my plan is 35 Years, they give additional benefits for accidental, critical illness, disability etc. All features are included in I protect smart plan.
      Was this review helpful? 0
      , perambalur
      Reviewed on Oct 24, 2018
    • ICICI Prudential Life Insurance
      "Good policy to take in a earlier age"
      0.5 5.0/5 "Blown Away!"
      I have taken a term insurance policy with ICICI Lombard. The premium amount is slightly higher than other companies. If we are taking the policy in early stage, it would be fine and it will best policy for all. They are good response in the customer care. I took this policy before 3 years. I get a sum assured amount of Rs. 10 lakhs. This is a tax benefitable policy
      Was this review helpful? 0
      , cuddalore
      Reviewed on Oct 24, 2018
    • ICICI Prudential Life Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      My money back policy was taken with ICICI prudential company. This is a Guaranteed money back policy. I used to pay the premium amount of Rs. 4000 but they have increased the premium Rs. 150 every month because of the tax and others. In December 2011, i was taken this policy. Through agent i have bought this policy. They have offered me a sum assured amount of Rs. 5.25 lakhs.
      Was this review helpful? 0
      , rewari
      Reviewed on Oct 24, 2018
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