ULIP Review: ICICI Prudential Signature Plan

Listen to this article

ICICI Prudential Signature Plan is a Unit Linked Insurance Plan (ULIP). ULIPs have always been popular among people. They have some attention-grabbing features such as:

They combine the advantages of investment and insurance in a single plan.
The benefit of Life Cover.

As a result, your money is expected to grow, plus the future of your loved ones will remain protected from the unexpected turns of life.

With time, there have been significant improvements in ULIPs. Each new ULIP is coming up with innovative features and benefits.

What are the advantages(pros) and disadvantages(cons) of ICICI Prudential Signature Plan?

In this article, we will review the ICICI Prudential Signature Plan. Read on and find out whether it holds any major benefit for you or not!

ICICI Pru Signature Plan – Advantages Review:

1. Control over your Investment:

You will have control of your invested money in the ICICI Pru Signature Plan in the ways given below

Fund Switch:With this option, it is possible to move your money between equity, balanced, and debt funds
Premium Redirection:With this option, it is possible to invest your future premium in a different fund of your choice.
Partial Withdrawal:It is an option where you can withdraw a part of your money, but it comes with certain restrictions with different ULIPs.

2. Significant Tax Benefits:

What is the ICICI Pru Signature Plan’s tax benefit?

Let us review what are the tax benefits offered by ICICI Prudential Signature Plan.

Investments in ULIPs up to ₹1.5 Lacs per annum are Tax-Free u/s 80C of the Income Tax Act.
The death benefit is also exempt from tax, under section 10(10D) of the income tax act.
However, the maturity proceeds are taxable under the conditions mentioned in the Finance Act 2021.
Also, it does not attract any tax while fund switching.

ICICI Prudential Signature Plan consists of all the tax benefits, listed above.

3. More benefits in long-term investments:

Depending on the policy you choose, it will have specific rewards and bonuses, such as; wealth boosters, loyalty additions, etc.

Disadvantages of ICICI Pru Signature Plan – Review

The biggest disadvantage of the ICICI Pru Signature Plan is that the returns are not guaranteed.

For example, if you have chosen a ULIP that invests a large portion of money in equity stocks, and if the shares are not doing well, then the chances of losing money are inevitable.

Returns are poor because there are multiple charges in this ICICI Pru Signature scheme, such as mortality charges, annual maintenance charges, administration charges, etc.

These charges bring down the returns significantly. In the first year itself, as high as 5% of the premium was lost in paying these charges.

A Lock-in period of 5 years, it makes the investor difficult to come out of this ICICI Pru Signature policy.Moreover, the policy also levies a discontinuance charge on the fund value.
Under The Finance Act 2021, the maturity proceeding of ULIPs is taxable as capital gains if the Annual Premium in any year is more than ₹2.5 lakhs.

ICICI Prudential Signature Plan Review: Plan Options

How is the ICICI Pru Signature Plan performance?

What are the ICICI Prudential Premium Payment options?

ICICI Prudential Signature scheme comes with 3 plans for investment. Let’s review what are all the benefits you will receive with the plan of your choice:

1. ICICI Prudential Signature scheme: Advantage Plan

Annualized Premium: Min: Rs. 2,00,000 and Max: Rs. 4,99,999
Benefits: Return of all Premium Allocation Charges + Wealth Boosters (described in the next section)

2. ICICI Prudential Signature scheme: Review of Premier Plan

Annualized Premium: Min: Rs. 5,00,000 and Max: Rs. 9,99,999
Benefits: Return of all Premium Allocation Charges + Wealth Boosters + Value Benefit in year 2.

Now, let’s know more about ICICI Pru Signature plan benefits:

Let’s understand each benefit of these options:

➢ i.)Wealth Boosters in ICICI Prudential Signature Scheme Premier Plan:

It is added to enhance wealth creation by allocating extra units to your policy at the end of every 5th policy year.

However, it starts only from the end of the 10th policy year till the end of your policy term. As given in the description below, based on your term of Premium Payment.

Is ICICI Prudential 5-year plan?

No. A policyholder can choose the premium term as per their financial convenience.

➢ ii.)Return on Premium Allocation Charges of ICICI Prudential Signature scheme Premier Plan

What are the Premium allocation charges?

The total of Premium Allocation Charges will be added to the Fund Value at the end of the 10th policy year.

The same amount will be added again at the end of every 5th policy year thereafter!

➢ iii.)Value benefit of ICICI Prudential Signature Scheme Premier Plan

5% of your annual premium will be added to your fund value as the extra units based on the conditions mentioned below for different plan options.

For example:

Mr. Shroff is 35 years old and invested in ICICI Pru Signature Premium Plan, with the below details:

Policy term:30 years
Premium to be invested:Rs. 5 Lacs per annum
Premium payment term:7 years

Now, soon after the 2nd year, Mr. Shroff will get the ‘value benefit’ of Rs. 25,000, which will be added to his policy fund value.

At the end of 10 years, Mr. Shroff will get the Total Premium Allocation Charge of Rs. 1,75,000, which will further get added to his policy fund value.

3. ICICI Prudential Signature scheme: Review of Exclusive Plan

Annualized Premium: Amount: Rs. 10,00,000 and more.
Benefits: Return of all premium allocation charges + Wealth Boosters + Value Benefit in year 2 + Value Benefit in year 6

The Exclusive Plan has all the benefits of the Premium Plan, as described above. In addition, it provides a valuable benefit in the 6th year. Let’s take an example:

For example:

If Mr. Shroff in the previous example chooses to invest the premium of Rs. 10 Lacs per annum in the ICICI Pru Signature Plan, with the policy term of 30 years and premium payment term of 7 years.

Then after the payment of the 2nd and 6th-year premium, Mr. Shroff will get Rs. 50,000 added to his fund value.

At the end of 10 years, he will get back the Total Premium Allocation Charge of Rs. 3,50,000 added to his policy fund value.

The same amount gets added every 5 years until the end of the policy term.

ICICI Prudential Signature Plan: Features and Benefits Review

1.Premium Payment Options: Analysis

For the whole life plan, the premium payment option is through Limited pay at the 7th, 10th, and 15th years.

Can I pay ICICI Insurance through online premium payment?

Yes. You can.

Minimum Premium Amount:Rs. 2,00,000 p.a.

Maximum Premium Amount:Unlimited

Premium Payment Modes:Single, yearly, half-yearly and monthly

2. Life Cover – Analysis

It is applicable for the entire policy term, to provide security to your family even in your absence.

In case of the unfortunate death of any policy-holder during the term of the policy, the nominee will receive the Death Benefits. Death Benefit would be the highest among:

Sum Assured
Fund Value, or
Minimum Death Benefit of 105% of the total premiums paid

3. Systematic Withdrawal Plan and Partial Withdrawal Benefits – Analysis

ICICI Pru Signature Plan Funds & Fund Performance: Review

Since ICICI Pru Signature Plan is a ULIP, it invests in various funds Equity, Debt, and Balanced funds.

These funds are created and managed by ICICI Pru itself. Also, they are not regulated by SEBI but by IRDA.

The table below shows the performance of these funds until 31 January 2023.

Data Source:ICICI Pru Official

As you can notice from the above data in illustration, 7 of the 15 funds in the ICICI Pru Signature Plan are relatively new funds with no long-term track record.

The CAGR of India Growth Fund since its inception in June 2019 is at 18.14%.

And even though the performance of equity funds seems to be on par with equity mutual funds, that is not the case in reality. The past couple of years—2022 & 2023—have been a stellar year for the equity market.

Hence, while the 5 year CAGR of equity mutual funds reached an exceptional range of 18% and above, these funds managed to the 10%-13% range.

However, even though no one can predict the market, you can expect this return rate to drop as the current market cycle completes. In addition, all of thesefunds have underperformedtheir respective benchmarks.

Balanced funds are expected to give returns of around 10%. But they have delivered less than the expectation. Debt funds have been delivered reasonably.

Therefore, the overall performance of ICICI Pru Signature Plan funds had been mediocre till January 2023!

For more details on each fund, you can visit the official website ofICICI Pru Signature Plan performance details.

Charges under the ICICI Prudential Signature Plan – Review

1. Premium Allocation Charges Review

What is the Premium allocation charge?

This charge is expressed as a percentage of the premium and it is deducted from the premium amount at the time of premium payment.

They are initial expenses at the time of policy issuance, such as underwriting, agent’s commission, medical expenses, etc.

It depends on:

Premium Payment Options: Such as – ‘Single Pay’ and ‘Limited and Regular Pay’.For Single pay, the charges are fixed at 3%. Limited and Regular Pay option varies with the mode of payment.
The chosen mode of payment towards premium:Annual or non-annual.

If the payment mode is Annual, charges are levied as given below:

1st Year to 7th Year	8th and 9th Year	10th Year	More than 10 Years
5%	2%	1%	Nil

If the payment mode is other than annual, then charges are levied as shown below:

1^stYear	2^ndYear	3^rd-7^thYear	8^thand 9^thYr.	10^thYear	10+ Years
5%	3.75%	3.5%	2%	1%	Nil

Allocation charges of 2% are applicable for top-ups.

The total of Premium Allocation Charges (excluding Top-up premium allocation charges) deducted in the policy net of taxes will be added back to the Fund Value at the end of the 10th policy year.

The same amount will be added again to the Fund Value at the end of every 5th policy year thereafter. The percentage addition of annualized premium is given below with the premium payment term:

Premium Payment Term	5 Years	7 Years	10+ Years
Addition as a % of one annualized Premium	25%	35%	40%

2. Fund Management Charges Review

What are the fund management charges in this ulip?

The Fund Management Charge in the ICICI Prudential Signature plan is fixed at 1.35% of the fund value per annum.

However, if the monies are in the Discontinued Policy Fund, a Fund Management Charge of 0.50% p.a. will apply.

3. Public administration Charges Review

What is the policy administration charges?

For Single Pay options:Cost is₹60 per month for the first 5 policy years
For Limited and regular pay options:Cost is 0.183% of the annual premium to be payable per month, subject to the maximum of₹500/-This charge is levied throughout the policy term!

This charge will be charged throughout the policy term!

4. Mortality Charges Review

What are the mortality charges in the ICICI Pru Signature plan?

Let’s figure out, how mortality charges can be made.

Mortality charges will be levied every month by the redemption of units based on the Sum at Risk. And, the sum at risk is equal to the highest Sum Assured, minimum death benefits, and Fund Value.

How to calculate mortality charges in ULIP?

Indicative annual charges per thousand life cover for a healthy male and female life are as shown below:

Age	30	40	50	60
Male (Rs)	1.06	1.81	4.95	11.54
Female (Rs)	1.02	1.55	3.99	9.95

That is, if a 30-year-old male has taken the life cover of Rs. 10 Lacs, then he will be paying Rs. 1060. It increases with age.

5. Discontinuance Charge:

ICICI Pru Signature plan ULIP discontinued charges:

For Single Pay option:

Review and Analysis of Premium Allocation Charges of ICICI Pru Signature Plan

What would be the premium allocation charges in the year 1 to 7 in the ICICI Pru signature plan?

The ICICI Pru Signature Plan does return the Premium Allocation charges in the form of a benefit.

But it makes one think, is it really an additional benefit or simply a trap to keep the investors?

As you have noticed, the premium allocation charges are 5% of the premium amount. And the minimum amount of your premium is₹2 lakhs p.a. and goes up to 10 Lacs p.a. based on the plan option.

The hook is that there is a period of 10 years for you to get your premium allocation charges back!

Now, let’s do some calculations: 5% of₹2Lacs is₹10,000; and

5% of₹10lakhs is₹50,000.

So, your premium allocation charge is somewhere between₹10,000 to₹50,000, depending on the plan option you choose. After 10 years you will get this amount back without ANY interest.

Can you imagine?

In 10-year, duration, if you invest this amount (₹10,000 –₹50,000) in a good Mutual Fund, the returns will be close to 3 times the investment!

There are other ULIPs today, that charge 1% – 3% premium allocation charges. Though they do not refund the premium allocation charge, still their premium allocation charges are less by 2%-4% as compared to ICICI Pru Signature Plan.

Even if you invest this small fraction of the percentage in a good Mutual Fund, your returns will be much more than the premium allocation charge you may get after 10 years.

For example, let’s say you invest 3% of₹2 Lacs, that is,₹6000. After 10 years you will receive almost triple this amount, that is, approximately₹18,000.

It is much higher than the original refundable Premium Allocation Charge of₹10,000 that you receive after 10 years, with the ICICI Pru Signature Plan!

Also, there are some ULIPs available today, that do not charge ANY Premium Allocation Charge.

Hence, refunding the Premium Allocation Charge is a way to lure the customer to stay invested for 10 long years. It is just to make you feel that you are not losing anything!!

But, based on the above analysis of Premium Allocation Charges, you got the catch, right?

Analysis & Review of ICICI Prudential Signature Plan:

What better way is there to review the ICICI Pru Signature Plan than to calculate the returns with an illustration?

Let’s take, for example, a 35-year-old health male buying the ICICI Pru Signature Plan.

He is choosing 15 years policy term with a 7-year limited premium payment term. And he will pay an annual premium of ₹2 lakhs for a Sum Assured of ₹20 lakhs.

Then what are the ULIP returns in 15 years?

Based on these specs, the official ICICI Pru suggests a maturity value of ₹28.23 lakhs at an assumed fund return rate of 8% p.a.

Now, this looks fair, and the 8% CAGR is achievable by the equity funds of the ICICI Pru Signature Plan.

But, the 8% CAGR does not mean that the investor gets the same investment return.

This may be confusing or surprising, but you can verify it in the IRR of the ICICI pru signature plan calculation table shown below.

In the above illustration we have calculated the IRR at 5.54%.

While the ₹28 lakhs maturity value looked good, the net return rate from the policy reveals the truth. This big difference in the return rate is because of the various charges levied by the ICICI Pru Signature Plan.

Like every other ULIP, the ICICI Pru Signature Plan presents one thing and delivers another. In the best-case scenario, the IRR of ICICI Pru Signature plan is 5.54%. This return rate is something offered by fixed deposits and other assured return investment instruments.

And when we take the inflation rate—6%-8% average—into account, 5.5% or even 6% will be ineffective in the long term. Hence, in reality, your investments will be losing value in terms of real return.

Of course, the ICICI Pru Signature Plan funds have delivered more than 8% as per the past performance.

But the point is that the IRR of ICICI Prudential Signature plan does not deliver the returns earned by the funds—and it is wildly misleading the policyholders.

No matter how much the ULIP’s funds earn, the charges in the ICICI Signature Plan will drag it down by at least 2% on all returns.

ICICI Pru Signature contains all the top-notch features that any ULIP holder will like to have. But if you choose to invest in ULIPs, you may be compromising on your most important financial goals.

On the bright side, all hope is not lost.

There are better alternative investment options available…

(ICICI Pru Signature Plan) ULIP vs Mutual fund:

Instead of investing in ICICI Pru Signature Plan, you may consider choosing the combination of Equity Mutual Fund and Term insurance Policy.

Compare to the IRR of ICICI Prudential Signature plan, mutual fund offers much better—inflation-beating—returns and far more flexibility and control over your investments.

The combination of Equity Mutual Fund and Term insurance Policy contains all the benefits of ULIPs such as Fund Switching, Partial Withdrawal, All tax benefits, and more benefits in Long-Term Investments.

Apart from having all these benefits, the combination of Mutual Funds and Term Insurance also overcomes the limitations of ULIPs.

Returns of ULIP as compared to Mutual Funds: Who is better?

Are the returns of the ICICI Pru Signature Plan lower than the returns of the Mutual Fund or higher?

Let’s find out by taking the below example:

We have already seen that the ICICI Pru Signature Plan has a better chance of delivering₹28.22 lakhs returns at the “8% CAGR” of the fund.

However, the same amount of investment in ELSS Mutual Funds will reap returns in the range of 12%-15% CAGR.

We are particularly choosing the ELSS Mutual Fund because it offers the same tax benefit as the ICICI Pru Signature Plan u/s 80C of the IT Act, 1961.

And from the first year₹1.5 lakh is deducted to buy a term insurance plan with a 15-year policy term for a₹20 lakh Sum Assured.

So, what will be the difference in the investment return?

See it yourself in the table below.

12% CAGR is a conservative assumption even for an average-performing ELSS Mutual Fund.

And, the fund value at maturity is just shy of ₹48 lakhs. It is almost ₹20 lakhs higher than the IRR of ICICI Pru Signature Plan.

But that is not it at all.

In the above illustration we have calculated the post tax reurn of mutual fund at 44.32 lakhs.

As you can notice from the above example, the return of the ELSS Mutual Funds is still way higher than the ICICI Pru Signature Plan.

It is precisely₹16 lakhs higher return than the ULIP.

Some key highlights of ELSS Mutual Funds are:Analysis

Only 3 years lock-in period (5 years for ULIPs)
Similar investment risk as ULIPs
Far better returns
Much diversified portfolio than ULIPs
No hidden charges
Higher liquidity
Similar tax treatment as ULIPs

It is noteworthy that despite the common belief, the returns from ULIP policies are also taxable as per the amendment in section 10(10D) by The Finance Act, 2021.

1. Who is more Goal focused? Mutual Funds or ULIPs! – Comparison Review

The Financial goals are the basic building block of any Financial Plan. Through any ULIP it is practically impossible to achieve any financial goal, due to their fixed lock-in periods and lesser returns on investments.

But, with Mutual Funds, you can list your short-term (2-5 years) and long-term (7+ years) goals and invest accordingly in the right scheme, where you will be benefitted from Higher Returns as compared to ULIPs.

This way, the investments in Mutual Funds provide a more focused and goal-oriented approach. For more details, read the5-Steps Financial Planning Guide for beginners.

2. Fixed Lock-in Period – Review

In ICICI Prudential Signature Plan there is a fixed insurance lock-in period of 5 years and cancellation charges are significantly high as mentioned in the previous section.

But, if you want to cancel and come out from any Mutual Fund Scheme at any time, you can do so at a much lower cost as compared to ULIPs in the first year.

There are no cancellation charges in Mutual Funds from 1 year onwards.

3. Competitiveness of Fund Managers: Mutual Fund Vs. ULIP! – Comparison Review

Fund managers who are involved in managing Mutual Funds have strong pressure to perform the best among their various competitors.

Otherwise, investors may withhold their SIPs and invest in other mutual fund schemes, withdrawal of SIP may lead to the bad reputation of any scheme!

This competitive nature of work tends to maximize the profitability of the Mutual Funds significantly.

But with ULIPs, there is no such pressure among their Fund Managers, as the returns are lower, plus there are 5 years of the lock-in period.

Therefore, the fund managers handling Mutual Funds are highly competitive as compared to their ULIP counterparts.

4. Regulatory Authority: Mutual Funds Vs. ULIPs: Comparison Review

Mutual Funds are regulated by a reputed agency called SEBI. Whereas, ULIPs are regulated by IRDA, which basically regulates insurance policies.

SEBI ensures greater security and safeguards against all frauds in Mutual Funds or Stock investments. Whereas, SEBI has no such role to play in ULIPs.

IRDA’s regulations are predominantly focused on Insurance regulation and not on investment regulation.

SEBI’s regulation is well evolved in regulating the investments, protecting investor’s interest and proactively taking measures to stop misselling.

If your purpose is investing and getting returns, then SEBI’s regulation is better for you.

5. Transparency in Investment: Mutual Fund Vs. ULIP:

Mutual funds are more transparent than ULIPs about the fees charged and the portfolio holdings.

Also, there is transparency in the level playing field in the Mutual Fund investment, as the categorization of the mutual funds is defined by SEBI.

For example, if you choose to invest in the Large Cap Mutual Fund, your investment will be 100% in large-cap. And, you can easily compare various other Large-cap funds, and select the best choice.

Whereas the investment in the ULIP is rather complex, for example if you choose to invest in Large Cap funds through ULIP, it is NOT 100% in Large Cap; they may be exposed to Mid Cap or other categories by 20%. Therefore, it becomes hard to compare one ULIP to another. The nature of ULIP investment is not transparent as compared to Mutual Fund investment.

You can check your ICICI Prudential Signature Plan Policy Status here.

6. Affordability of Insurance: Term Insurance Vs. ULIPs – Review

Your investment in ULIP is divided among Insurance and Investment, you can choose to pay as a single payment or on a monthly basis. And the minimum premium amount is Rs. 2 Lacs per annum!

Existing Term Insurance plans come with a much more affordable price as compared to the ULIPs and provide the same amount of benefits.

For more details about the Best Life Insurance policy, you can read thisCheat Sheet to select the best term insurance plan for you.

You will earn way better returns in the combination of Mutual Fund and Term Insurance as compared to ULIPs and you will have more control over your investments.

Click here and watch the video for the Hindi version of ICICI Pru Signature Plan (आयसीआयसीआय प्रुडेन्शियल सिग्नेचर प्लॅन)-Watch here!

ICICI Prudential Signature Plan vs ICICI Prudential Future Perfect

ICICI Prudential Future Perfect is an endowment plan and there are non-guaranteed bonuses such as reversionary and terminal bonuses.

To read the complete review of this plan check below

ICICI Prudential Future Perfect [Review]

ICICI Prudential Signature Plan vs ICICI Pru Guaranteed Income For Tomorrow

The main focus of the ICICI Pru Guaranteed Income For Tomorrow(GIFT) plan is savings and protection.

It is a traditional Life insurance policy and you can get your guaranteed income either in the form of regular income or as a lump sum.

Read the below review with IRR analysis.

ICICI Pru Guaranteed Income For Tomorrow Review [2023]: Worth Buying Or Not?

ICICI Prudential Signature Plan vs Other Investment Plan – Review Conclusion

After a thorough and detailed analysis of all the other alternatives for the ICICI Prudential Signature Plan, it is very clear that mutual funds are much more reliable for investment.

As we discussed earlier,

you can list your short-term (2-5 years) and long-term (7+ years) financial goals and invest in mutual funds accordingly in the appropriate scheme. You will gain Higher Returns compared to ULIPs.

How to Surrender Your ICICI Pru Signature Plan?

Whether you are buying a ULIP or surrendering one, I suggest youconsult your Financial Advisorbefore taking any step. They will be able to analyse the situation and help you make the right decision.

Surrender during the Free-Look Period:

Starting from the date of receipt of the policy document, you will have 15 day period to review the ICICI Prudential Signature Plan policy document.

If you find the policy terms and conditions are not satisfying, for any reason, you can surrender your policy.

ICICI Prudential should process your surrender request in a matter of days. And you get a refund of your policy premium.You can cancel your policy by filling up thisFree-lookformand submitting it to any of the ICICI Prudential Insurance branches.

Note:The Free-look period is 30 days in case you bought the policy online.

Surrender after the Free-Look Period: Review

Since the ICICI Pru Elite Life Super Plan is a ULIP, it has a lock-in period of 5 years. Hence you cannot get your fund value before that.

But you can still submit a surrender request before the completion of 5 policy years. In such a case, your policy will be considered a “Discontinued Policy” (like a paid-up policy). And all your investments will be moved to the “Discontinued Policy Fund” earning a minimum return.

You do not have to pay any more premiums. And you will receive the fund value on completion of 5 policy years.

Steps to Surrender ICICI Pru Signature Plan: Analysis

To surrender your ICICI Pru Signature Plan, you need to fill out the ICICI Prudential policy surrender form and submit it along with other documents at the nearest ICICI Prudential branch.

The documents are,

Filled the Surrender Form
Original Policy Document
A signed copy of a photo ID (must carry original ID)
A Cancelled cheque with the policyholder’s name

Once you submit your surrender request, ICICI Prudential will process it within 10 working days and confirm the same.

Can I surrender ICICI prudential policy online?

Yes. You can surrender the ICICI prudential policy online by sending them email.

Final Review: Should you invest in ICICI Pru Signature Plan?

So, what is our verdict on ICICI Prudential Signature Plan?

ICICI prudential is good or bad?

As we analysed earlier on various aspects, this ULIP policy is NOT up to the mark.

Do Not Invest in this ULIP!

The insurance agents would convince you to buy this plan for their agent commission. Please beware!

Our suggestion is to invest in Mutual Funds (and/or PPF) and Term insurance policies separately. Not only they will provide you with higher returns and risk benefits, but it also takes away the limitations of any ULIP, including the ICICI Pru Signature Plan.

And, also beware of the mis-selling of this ULIP by your bank. They may lure you to invest in this ULIP by showing its various benefits. But, after reading the complete analysis, we hope that you get a clear idea about this ULIP.

Please don’t search for ICICI Pru Signature Plan Review in Quora or any other social media. Financial Influencers can confuse. Instead, check with certified and experienced financial planners.

Are you interested in creating a Comprehensive Financial Plan for your financial goals?

Do you think you can make a long-term investment strategy based on information from social media sites like Quora, Facebook, Twitter, etc? Please consult a professional financial planner for reliable advice.

Skip the queue by registering for your 30-minute FREE Financial Plan Consultation. Click the ‘‘BOOK YOUR SLOT NOW!’’ button below.

ULIP Review: ICICI Prudential Signature Plan - Is it Good or Bad? (2024)

Table of Contents: