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ICICI Prudential Life · 105N195V02

ICICI Prudential Life iProtect Smart Return of Premium

ICICI Prudential Life iProtect Smart Return of Premium (IRDAI UIN 105N195V02) is a term life insurance plan for people aged 18 to 55 at entry, with cover up to age 85.

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 Return of Premium is a term life insurance plan from ICICI Prudential Life. Key specifications: maximum entry age 55 years, maximum maturity age 85 years, death claims settled (insurer) 99.31%. Among term life insurance here it fits best for low minimum cover.

Sample premium ₹74,638 a year*

*For: Brochure illustration: Mr. Kumar, 35-year-old healthy male non-smoker, Sum Assured Rs 1 crore, policy term 40 years, premium payment term 10 years (limited pay), annual premium Rs 74,638 (total Rs 7,46,380); 'Taxes (if any) will be charged extra, as per applicable rates.' NOTE: different profile (age 35, 40-year term, 10-pay); no age-30 regular-pay figure published.. Your premium will differ.

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Maximum entry age
55 years
Maximum maturity age
85 years
Death claims settled (insurer)
99.31%

Pros

  • Return-of-premium option available

Cons

  • Lower maximum entry age than 86% of the 29 term life insurance plans on Comparezi that state it (age 55)

Who should buy it

  • Best for Low minimum cover · What matters most? (pick any) #6 of 29 term life insurance for this

Full specifications

Eligibility

Minimum entry age 18 years
Maximum entry age 55 years
Maximum maturity age 85 years
Policy term 20 to 40 years
Minimum sum assured ₹10,00,000
Maximum sum assured As per Board approved underwriting policy

Plan

Plan options Limited Pay, Regular Pay
Premium payment Limited pay 5, 7, 10, 12 or 15 years, or pay up to age 60; Regular pay equal to policy term; annual, half-yearly or monthly
Return of premium option Yes
Death benefit payout Lump sum (default), income over 5 years, or part lump sum and part income over 5 years
Riders ICICI Pru Non-Linked Accidental Death and Disability Rider

Premium

Sample annual premium ₹74,638
Sample premium is for Brochure illustration: Mr. Kumar, 35-year-old healthy male non-smoker, Sum Assured Rs 1 crore, policy term 40 years, premium payment term 10 years (limited pay), annual premium Rs 74,638 (total Rs 7,46,380); 'Taxes (if any) will be charged extra, as per applicable rates.' NOTE: different profile (age 35, 40-year term, 10-pay); no age-30 regular-pay 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 105N195V02

About the iProtect Smart Return of Premium

ICICI Prudential Life iProtect Smart Return of Premium (IRDAI UIN 105N195V02) is a term life insurance plan for people aged 18 to 55 at entry, with cover up to age 85. 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 55 years
  • Maximum maturity age: 85 years
  • Policy term: 20 to 40 years
  • Minimum sum assured: ₹10,00,000
  • Maximum sum assured: As per Board approved underwriting policy

Plan options

  • Options: Limited Pay, Regular Pay
  • Premium payment: Limited pay 5, 7, 10, 12 or 15 years, or pay up to age 60; Regular pay equal to policy term; annual, half-yearly or monthly
  • Return of premium: Covered
  • Death benefit payout: Lump sum (default), income over 5 years, or part lump sum and part income over 5 years
  • Riders: ICICI Pru Non-Linked Accidental Death and Disability Rider

How it compares on Comparezi

Of the 27 term life insurance plans on Comparezi with a stated maximum maturity age, 11 have a longer one and 10 have the same.

Premium

It depends on your age, cover, city and options. ICICI Prudential Life's own published premium table gives ₹74,638 a year for this profile: Brochure illustration: Mr. Kumar, 35-year-old healthy male non-smoker, Sum Assured Rs 1 crore, policy term 40 years, premium payment term 10 years (limited pay), annual premium Rs 74,638 (total Rs 7,46,380); 'Taxes (if any) will be charged extra, as per applicable rates.' NOTE: different profile (age 35, 40-year term, 10-pay); no age-30 regular-pay 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 Return of Premium

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

Similar term life insurance plans

Head to head

Compare the iProtect Smart Return of Premium

Questions

iProtect Smart Return of Premium FAQs

It depends on your age, cover, city and options. ICICI Prudential Life's own published premium table gives ₹74,638 a year for this profile: Brochure illustration: Mr. Kumar, 35-year-old healthy male non-smoker, Sum Assured Rs 1 crore, policy term 40 years, premium payment term 10 years (limited pay), annual premium Rs 74,638 (total Rs 7,46,380); 'Taxes (if any) will be charged extra, as per applicable rates.' NOTE: different profile (age 35, 40-year term, 10-pay); no age-30 regular-pay figure published. Your premium will differ; get a quote from the insurer.

105N195V02. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

From 18 years to 55 years; limits can differ by plan option.

Up to age 85 at most; the limit can differ by plan option.

Yes, as an option or variant; the base cover pays only on death.

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 Accidental Death and Disability Rider.

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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