Life is full of uncertainties and a safety net that will protect us from any fall is what we always strive for. The same is true for our investments – where we would love to enjoy the upside of our investments while keeping our downside safe.

Presenting ICICI Pru SecureSave which aims to grow the value of customer’s hard earned savings over time with an assurance of a minimum guaranteed maturity amount to protect you from the downside of equity markets.

In addition, this plan also provides enhanced protection to your family with an insurance cover that is designed according to your age and investment horizon

Guaranteed Maturity Benefit: The SecureSave Guarantee fund provides a Guaranteed Maturity Benefit (GMB). It applies only at maturity, not on death, partial withdrawal or surrender. The GMB is a multiple of the sum of all Investment Premiums paid and is based on the policy term chosen.

The GMB for the various policy terms offered under the policy are shown below.

* This Guarantee is on the Investment Premiums, i.e., your annual premiums less the Mortality charge

Choices of premium payment: Opt to pay the premium on a monthly, bi-annual or an annual basis.

Choice of investment funds: Select from SecureSave Guarantee & SecureSave Builder fund based on your financial goals and risk profile.

Maturity benefit: If the SecureSave Guarantee fund is chosen, the maturity benefit will be higher of the Fund Value and Guaranteed Maturity Benefit. If the SecureSave Builder fund is chosen, the maturity benefit will be the Fund Value.

Death benefit: In the unfortunate event of death during the term of the policy, the nominee shall receive the Sum Assured PLUS the Fund Value.

Limited Pay: This plan provides the benefits of long-term wealth creation and insurance protection with the feature of limited premium payment term (PPT). The premium payment terms of the policy are fixed at 5, 7 and 10 years for the policy terms of 10, 15 and 20 years respectively.

Switch benefit: Switch is applicable only for those policyholders who would have opted for the SecureSave Guarantee Fund. The policyholder will have a one time option to switch from the SecureSave Guarantee Fund to the SecureSave Builder. If chosen, the entire Fund Value will get switched.

SecureSave Guarantee fund

Objective:  To provide a balance between long-term capital appreciation and current income through investment in equity as well as fixed income instruments in appropriate proportions depending on market conditions prevalent from time to time.

1. Indicative Portfolio Allocation	Max (%)	Min (%)
   Equity & equity related securities	40	0
   Debt, Money Market & Cash	100	60

   
   Risk-Reward profile of the Fund: Low
   
   
2. SecureSave Builder Fund
   
   Objective: To achieve a balance of growth and steady returns from equity and debt portfolio.
   
   

   Indicative Portfolio Allocation	Max (%)	Min (%)
   Equity & equity related securities	80	0
   Debt, Money Market & Cash	100	20

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