You try to provide comfort, happiness and security to your family and you want your family's future to be secure at all times. ICICI Pru iProtect Smart lets you design your own safety net, so that you can protect the future of your family to ensure that they lead their lives without any financial worries, even in your absence. This plan offers you the option of increasing your coverage against accidental death and faster critical illnesses and hence ensures a 360 degree cover on your life and is also available

Here are 7 things you should know about Term Plan

• It fits in your tight budget: After paying your monthly rent, lighting and phone bills, a life insurance premium can be difficult. The ICICI Pru iProtect Smart's affordable premiums ensure that it is not. Just what your wallet asked for. Apart from this, you have the option of paying in annual, half-yearly or monthly mode.
• It gives you long cover: The best time to buy life insurance is now. As of now buying will ensure that you get a lower premium and life cover in the desired term. This plan has a provision to cover you till the age of 99 years.
• It pays for the diagnosis of any of the 34 critical illnesses (optional): Life insurance is for the protection of your family. But what happens when there is a serious illness and your life hangs in the balance? ICICI Pru iProtect Smart pays claims on first diagnosis of any of the 34 Critical Illnesses * covered. No hospital bill is required.
• It gives you 4 payment options to choose from: Sometimes you can ask for your child's education and sometimes you need a monthly income, such as a home loan EMI. With the 4 payout options of ICICI Pru iProtect Smart, give your nominee the option of receiving insurance money as per their need.
• It pays life cover on terminal illness (including AIDS): Terminal diseases like AIDS are not only life-threatening, but can also lead to financial ruin. ICICI Pru iProtect Smart helps you give them the ultimate fight, which pays your insurance money before death. Benefit in terminal diseases is available with all plan options and it also covers AIDS.
• It gives you the option to add accidental benefits now or later: Road, train accidents happen all the time. Insurance may not prevent them, but it can mitigate the financial effects. The ICICI Pru iProtect Smart lets you add accidental cover of your choice during purchase or even after purchase.
• It gives you the option to buy online with the MWP Act *: What you want after purchasing a term plan is that you do not have insurance money given to you or your wife or children. Your relatives / creditors may wrongly claim the sum insured. You have the option of securing it with us, by purchasing term plan ICICI Pru iProtect Smart under the Married Women Property Act (MWP Act).

Key Features

• Increased protection: coverage against death, terminal illness and disability
• Extensive Additional Benefits: Option to choose Accidental Death Benefit and Accelerated Critical Illness Benefit
• Special premium rates for non-tobacco users
• Need based benefit payout: Choose to receive a benefit amount in the form of lump sum or monthly income for 10 years or a combination of both.
• Flexibility to pay premium once, for a limited period or during the policy term
• Tax benefits may apply to premiums and benefits paid as per prevailing tax laws.
Key benefits for women
• Special premium rates for life cover and accelerated critical illness benefits
• Female organ cancers such as breast cancer and cervical cancer are covered under accelerated accident benefits.

https://www.iciciprulife.com/content/dam/icicipru/brochures/ICICI%20Pru%20iProtect%20Smart.pdf,