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ICICI Prudential Life · 105N205V07

ICICI Prudential Life iProtect Smart Plus

ICICI Prudential Life iProtect Smart Plus (IRDAI UIN 105N205V07) is a term life insurance plan for people aged 18 to 65 at entry.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

ICICI Prudential Life iProtect Smart Plus is a term life insurance plan from ICICI Prudential Life. Key specifications: maximum entry age 65 years, death claims settled (insurer) 99.31%.

Sample premium ₹12,962 a year*

*For: Product page table: healthy, non-smoker, salaried male, age 30, life cover Rs 1 crore, policy term 35 years, regular pay, lumpsum payout option, annual premium: Rs 11,342 first year, Rs 12,962 from 2nd year onwards. 'Taxes (if any) will be charged extra, as per applicable rates' (GST excluded). Variant not named in the table. NOTE: 35-year term (cover to 65), not 30 years; no 30-year figure published.. Your premium will differ.

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Maximum entry age
65 years
Death claims settled (insurer)
99.31%

Full specifications

Eligibility

Minimum entry age 18 years
Maximum entry age 65 years

Plan

Plan options Life, Life Plus, Life Rebalancing
Premium payment Single pay, Regular pay, Limited pay (exact limited-pay terms not reliably extracted); modes single, yearly, half-yearly, monthly
Return of premium option No
Death benefit payout Lump sum; Income (10% of death benefit a year for 10 years, paid monthly); Lump sum plus income; Increasing income (monthly income for 10 years rising 10% p.a. simple). Life Rebalancing: lump sum only
Riders ICICI Pru Non-linked Health Protect Rider (critical illness)
Terminal illness benefit Yes

Premium

Sample annual premium ₹12,962
Sample premium is for Product page table: healthy, non-smoker, salaried male, age 30, life cover Rs 1 crore, policy term 35 years, regular pay, lumpsum payout option, annual premium: Rs 11,342 first year, Rs 12,962 from 2nd year onwards. 'Taxes (if any) will be charged extra, as per applicable rates' (GST excluded). Variant not named in the table. NOTE: 35-year term (cover to 65), not 30 years; no 30-year figure published.

Insurer

Death claims settled (insurer) 99.31%
Claims figures for FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
IRDAI UIN 105N205V07

About the iProtect Smart Plus

ICICI Prudential Life iProtect Smart Plus (IRDAI UIN 105N205V07) is a term life insurance plan for people aged 18 to 65 at entry. It is one of 29 term life insurance plans on Comparezi, from ICICI Prudential Life.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Eligibility and cover

  • Entry age: 18 to 65 years

Plan options

  • Options: Life, Life Plus, Life Rebalancing
  • Premium payment: Single pay, Regular pay, Limited pay (exact limited-pay terms not reliably extracted); modes single, yearly, half-yearly, monthly
  • Return of premium: Not covered
  • Death benefit payout: Lump sum; Income (10% of death benefit a year for 10 years, paid monthly); Lump sum plus income; Increasing income (monthly income for 10 years rising 10% p.a. simple). Life Rebalancing: lump sum only
  • Riders: ICICI Pru Non-linked Health Protect Rider (critical illness)
  • Terminal illness benefit: Covered

Premium

It depends on your age, cover, city and options. ICICI Prudential Life's own published premium table gives ₹12,962 a year for this profile: Product page table: healthy, non-smoker, salaried male, age 30, life cover Rs 1 crore, policy term 35 years, regular pay, lumpsum payout option, annual premium: Rs 11,342 first year, Rs 12,962 from 2nd year onwards. 'Taxes (if any) will be charged extra, as per applicable rates' (GST excluded). Variant not named in the table. NOTE: 35-year term (cover to 65), not 30 years; no 30-year figure published. Your premium will differ; get a quote from the insurer.

About the insurer

ICICI Prudential Life paid 99.31% of individual death claims in FY 2024-25 (by number of claims, computed from IRDAI's published claim counts).

Similar plans from other insurers

Other term life insurance plans from ICICI Prudential Life

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the iProtect Smart Plus

All term life insurance →

Aditya Birla Sun Life

Super Term Plan

  • 65 years Maximum entry age
  • 85 years Maximum maturity age
  • 98.65% Death claims settled (insurer)
Sample premium ₹19,400 a year*

Ageas Federal Life

iSecure Plan

  • 65 years Maximum entry age
  • 85 years Maximum maturity age
  • 98.52% Death claims settled (insurer)
Sample premium ₹14,640 a year*

Similar cover

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Head to head

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Questions

iProtect Smart Plus FAQs

It depends on your age, cover, city and options. ICICI Prudential Life's own published premium table gives ₹12,962 a year for this profile: Product page table: healthy, non-smoker, salaried male, age 30, life cover Rs 1 crore, policy term 35 years, regular pay, lumpsum payout option, annual premium: Rs 11,342 first year, Rs 12,962 from 2nd year onwards. 'Taxes (if any) will be charged extra, as per applicable rates' (GST excluded). Variant not named in the table. NOTE: 35-year term (cover to 65), not 30 years; no 30-year figure published. Your premium will differ; get a quote from the insurer.

105N205V07. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

From 18 years to 65 years; limits can differ by plan option.

No. It is a pure term plan without a return-of-premium option.

99.31% of individual death claims were paid in FY 2024-25, by number of claims, computed from IRDAI's published claim counts. It is an insurer-wide figure, not one for this plan.

ICICI Pru Non-linked Health Protect Rider (critical illness).

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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