Explore how life insurance protection, planned future withdrawals and long-term market-linked financial planning can work together within one structured solution.
No repeated or unsolicited sales calls.
The purpose is simple: understand how the structure works, see an example and decide for yourself whether it deserves a closer look. Requesting an illustration does not create any obligation to purchase the plan.
Financial protection for your family today, while working towards longer-term financial goals for tomorrow. ICICI Pru Protect N Gain is a unit-linked life insurance plan that combines life insurance protection with a market-linked savings component.
Life insurance protection helps create a financial safety net for your family. Additional Accidental Death and Accidental Total & Permanent Disability protection may be selected through the applicable rider, subject to eligibility, underwriting and policy terms.
The investment component participates in selected market-linked funds or portfolio strategies over the policy journey. At maturity, the applicable remaining Fund Value becomes payable according to policy terms.
Designed for customers seeking meaningful life protection together with long-term market-linked savings.
Designed around market-linked long-term wealth planning together with life insurance protection.
The illustrative structure discussed on this page uses the Life Option.
*Illustrative protection structure. Actual eligibility, underwriting and rider terms apply.
*Illustrative planned withdrawals are subject to available Fund Value and applicable policy terms and are not guaranteed income.
*Tax-free treatment is subject to prevailing tax laws, applicable conditions and individual eligibility at the time of withdrawal / maturity.
The following is an easy-to-understand illustrative structure. Exact premiums, rider premiums, protection, withdrawal schedule, maturity value and eligibility depend on the official personalised benefit illustration and applicable policy terms.
This is a rounded total-premium illustration where the total yearly premium is approximately ₹1 lakh including selected rider premiums; exact amounts vary by individual illustration. The entire amount is not necessarily invested in the ULIP fund. Protection amounts are subject to eligibility, underwriting, rider terms and the final official illustration.
A personalised illustration may be structured around planned systematic withdrawals after the contribution phase, subject to available Fund Value and applicable product conditions.
*This is an illustrative arithmetic example, not guaranteed income. Actual withdrawals depend on available Fund Value, the selected withdrawal structure and applicable policy conditions. Withdrawals reduce Fund Value and may affect maturity value.
Under the applicable Life Option and subject to policy conditions, calculated as 20% of the average applicable Fund Value over the final eight policy quarters.
Share the four basic details requested in the form so EquiRise can understand your enquiry and assist with a personalised illustration. There is no obligation to purchase.
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Under the applicable Life Option, 20% of the average applicable Fund Value over the final eight policy quarters, subject to policy terms.
Under the Life Option, qualifying Premium Allocation Charges are added back at 2× from year 11. Qualifying Mortality Charges are added back at 1.5× from policy year 11 through 25 and 3.5× from policy year 26 onward, according to policy terms. This is not a refund of all charges.
Planned withdrawals may be made from available Fund Value after the applicable five-policy-year liquidity restriction and subject to product conditions.
A choice of four portfolio strategies and a range of funds across equity, balanced and debt, subject to current product terms.
Switch between funds under the Fixed Portfolio Strategy without a switching charge, subject to current product terms.
Available through the applicable ICICI Pru Linked Accidental Death and Disability Rider, subject to separate premium, eligibility and rider terms.
Explore a financial safety net for people who depend on you.
Understand a long-term structure around future milestones.
Explore long-term accumulation and planned future withdrawals.
Understand how an SWP may be planned from available Fund Value.
Consider market-linked participation within a life-insurance structure.
This structure may be worth understanding for people whose protection needs, time horizon and ability to accept market-linked risk are aligned with it.
May explore a defined contribution journey with long-term protection.
May consider how family protection and long-term goals can be structured together.
May explore personalised cover and contribution choices.
May consider long-horizon goals and financial protection together.
May explore planned future withdrawals subject to available Fund Value.
Worth understanding when both objectives matter and the risks are acceptable.
The example above explains the concept. Your actual financial decision should be based on your own age, contribution capacity, protection requirement, policy term, financial objective, underwriting and applicable policy conditions.
Understand the numbers first. Decide after you have understood the complete structure.
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At EquiRise Capital, the discussion begins with understanding the requirement—not with asking you to purchase a policy.
Founder, EquiRise Capital. NISM Research Analyst certification passed 4 July 2024 and valid through 3 July 2027. This is a professional credential and is not presented as SEBI registration or approval of any insurance product or distribution activity.
View CertificateThis page uses an approximate ₹1 lakh-per-year illustrative total premium structure for 10 years. Exact base premium, rider premium, taxes if applicable, and eligibility depend on the personalised illustration.
No. ₹1 Crore belongs to the illustrative structure shown. Actual eligible protection depends on plan structure, underwriting and applicable product or rider conditions.
It is an illustrative planned systematic withdrawal from available Fund Value. It is not guaranteed income or automatic return of premium. Exact withdrawal amount and duration depend on available Fund Value and applicable terms.
The applicable remaining Fund Value becomes payable according to policy terms. Under the applicable Life Option, the Maturity Booster is also added subject to policy conditions.
Under the applicable Life Option, it is 20% of the average applicable Fund Value, including Top-up Fund Value if any, on the last business day of the final eight policy quarters, subject to policy terms.
No. The investment component is market-linked and actual Fund Value depends on market performance and applicable charges and conditions.
The applicable linked rider can provide Accidental Death and Accidental Total & Permanent Disability protection, subject to separate premium, eligibility, underwriting, exclusions and rider terms.
Partial withdrawal and systematic withdrawal facilities are subject to available Fund Value, the five-policy-year liquidity restriction and all applicable policy conditions.
Yes. Exact premium, cover, withdrawal structure, term and illustrated values depend on individual requirements, age, underwriting and eligibility.
Tax benefits or tax-free treatment may apply subject to prevailing tax laws, applicable conditions and individual eligibility. Tax laws can change; individual tax advice may be appropriate.
No. Requesting an illustration is only to understand the structure and numbers.
No repeated or unsolicited sales calls. EquiRise will contact you only when required to understand the enquiry or assist with the requested illustration.
You have now seen the concept, the protection structure, the planned withdrawal approach and the long-term features. The next useful step is simply to see what an illustration could look like based on your own requirements.
See your contribution. See your protection. Understand the illustration. Then decide.
No repeated or unsolicited sales calls. We will contact you only when required to understand your enquiry or assist with your requested personalised illustration. Requesting an illustration does not create any obligation to purchase the plan.
ICICI Pru Protect N Gain
A Linked, Non-Participating, Individual, Savings Life Insurance Plan
UIN: 105L191V06
ICICI Pru Linked Accidental Death and Disability Rider
UIN: 105A043V03
Insurance provider: ICICI Prudential Life Insurance Company Limited. Registered with the Insurance Regulatory and Development Authority of India as a Life Insurance Company. Regn. No. 105.
IN ULIPS, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Read the current official product brochure.
Existing EquiRise distribution disclosure: Statutory warnings, identifier details and commission/conflict information will appear only for activities EquiRise actually conducts and is authorised to conduct.