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ICICI Pru Cash Advantage

Maximize your benefits with regular income
and lumpsum payout

Cash Advantage

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About ICICI Pru Cash Advantage

    This is a unique savings and protection-oriented plan. A plan that provides regular cash flow to meet your everyday recurring expenses along with lump sum benefit at maturity to achieve your long-term family goals such as your children's education, your dream home or a world tour for family. It also ensures that your family is financially independent even in your absence, with the help of a life cover.

Product features

  • Adds to your regular income in the form of Guaranteed Cash Benefit*
  • Get a lump sum payout at maturity^ 
  • Life cover for financial security of your family’s future in your absence 
  • Flexibility to choose premium payment term of either 5,7 or 10 years
  • Tax benefits on premiums paid and benefits received as per prevailing tax laws

How this plan works

Amit is a 30-year-old banking professional who was recently blessed with a daughter. He understands his responsibilities towards his daughter’s education as well as the need to protect his daughter’s future in case anything unfortunate befalls him. To meet these requirements ICICI Pru Cash Advantage is the best solution for his needs.
Annual Premium: INR 100,000
Premium payment term: 10 years
Policy term: 20 years
Life cover: INR 10,00,000
Amit will receive guaranteed cash benefit of INR 5,307 per month for his daughter’s school education
On maturity, Amit will receive Guaranteed Maturity Benefit of INR 530,701 plus bonuses of INR 1,063,925 at 8% ARR and INR 235,672 at 4% ARR for his daughter's college education
ARR stands for Assumed rate of return. If the policy offers guaranteed returns, then these will be clearly marked "guaranteed" in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of policy depends on a number of factors including future investment performance.


IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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