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Launch Date UIN Status
24/12/2013 105L139V01 Active

About ICICI Pru Wealth Builder II

  • It is a unit linked insurance plan (ULIP)
  • A combination of savings and protection plan with good returns
  • ICICI pru Wealth Builder II offers option of two portfolio management strategies (Fixed Portfolio Strategy or Life Cycle based Portfolio Strategy)
  • Has option to invest in 7 different funds
  • Fixed policy term (5 or 10 or 15 or 20 or 25)
  • Offers structured payout option of the maturity benefit for specific life goals
  • From 6th year onwards, avail the benefits of loyalty additions
  • Wealth boosters in form of additional units paid every 5th year starting from 10th year
  • Flexible premium payment mode (single or limited or regular)

How does this plan work?

Under this plan an individual, can choose from two portfolio management strategies:

  • Fixed Portfolio Strategy: In this option one can allocate his/her savings in the 7 funds of their choice.
  • LifeCycle based Portfolio Strategy: This is a unique and personalized strategy to create an ideal balance between equity and debt, depending upon the individual’s age.

 

The individual also chooses a policy term, sum assured and the premium paying mode. After the policy term is over on maturity, the insured receives maturity benefit as lump sum or as a structured payout through settlements. The maturity benefit is fund value including top-ups (in form of units), if any would be paid and Loyalty additions (0.25% of fund value paid every year from 6th year onwards) along-with wealth boosters (1.5% or 3.25% of average fund value as additional units paid every 5th year starting from 10th year). If in-case on unfortunate death of the individual during the policy term, his nominee receives death benefit depending upon the premium mode and age.

Single premium mode

For limited and regular pay if the person dies below 50 years of age

For limited and regular pay if the person dies above 50 years of age

A higher value from:

A higher value from:

A higher value from:

Sum assured +top-up sum assured if any

Sum assured+fund value+ top –up value, if any

Sum assured +top-up sum assured if any

Fund value + top up fund value if any

105% of the total premiums paid till death including top-ups

Fund value + top up fund value if any

105% of the total premiums paid till death including top-ups

 

105% of the total premiums paid till death including top-ups

Let us understand this with an illustration,

Consider,

Person’s age: 35 years
Policy term: 20 years
Limited premium: Rs 50000 per annum

Consider a 35 year old person who opts for a limited premium payment for a 20 year policy term. At the end of the policy term, on maturity he receives approximately Rs. 6, 81,695 which includes the fund value and top-ups alongwith loyalty additions and wealth boosters.

Why should you buy ICICI pru Wealth Builder II?

  • This plan offers benefits of market related investments at nominal charge
  • A plan which offers combination of good returns on your savings
  • It offers tax benefits on all the premiums paid and claims received as per sections 80CCC and section 10(10A)

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Who should buy ICICI pru Wealth Builder II?

  • Individuals who want to diversify their investments
  • Individuals who are looking out for monetary growth of their savings along-with life cover
  • Individuals who want additional income

Claim Process 

Know Claim Process of ICICI Pru Wealth Builder II

Claim Process

Company Overview

ICICI Prudential Life Insurance Company (ICICI Prudential Life) is a joint venture between ICICI Bank Ltd., India's largest private sector bank, and Prudential plc, a leading international financial services group headquartered in the United Kingdom. ICICI Prudential Life was amongst the first private sector life insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority of India (IRDAI)

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