ICICI Pru Platinum Plan
Can the ICICI Pru Platinum Plan truly deliver meaningful long-term wealth creation along with life protection, or does this combination come with important trade-offs?
Does the ICICI Pru Platinum Plan offer the right balance between market-linked growth and insurance protection, or are there better alternatives available?
Is the ICICI Pru Platinum Plan a smart choice for wealth creation, or would separating insurance and investment offer greater flexibility and value?
This article takes a detailed look at ICICI Pru Platinum, covering its key features, potential advantages and limitations, along with a benefit illustration to help assess the plan from an investment perspective.
What is the ICICI Pru Platinum?
What are the features of the ICICI Pru Platinum?
Who is eligible for the ICICI Pru Platinum?
What are the benefits of the ICICI Pru Platinum?
What are the investment strategies and fund options of the ICICI Pru Platinum?
What are the charges of the ICICI Pru Platinum?
Grace Period, Discontinuance and Revival of the ICICI Pru Platinum
Free Look Period for the ICICI Pru Platinum
Surrendering the ICICI Pru Platinum
What are the advantages of the ICICI Pru Platinum?
What are the disadvantages of the ICICI Pru Platinum?
Research Methodology of ICICI Pru Platinum
Benefit Illustration – IRR Analysis of ICICI Pru Platinum
ICICI Pru Platinum Vs. Other Investments
ICICI Pru Platinum Vs. Pure-Term + PPF/Equity Mutual Fund
Final Verdict on the ICICI Pru Platinum
ICICI Pru Platinum is a Linked, Non-Participating, Individual, Savings, Life insurance plan.
It is designed to safeguard your family with an adequate life cover and grow your wealth to fulfil your long-term goals, thereby ensuring a PLATINUM standard of life for your loved ones and you.
| Plan option | Premium paying term | Policy term | Minimum/Maximum age at entry | Age at maturity | Minimum premium (Yearly) | Minimum Premium (other than yearly) |
| Growth Plus | 5 years | 70 minus age at entry | 0/50 years | 70 years | ₹ 60,000 | ₹ 72,000 |
| 6 years | 75 minus age at entry | 75 years | ₹ 60,000 | |||
| 7-30 years | 75 minus age at entry | 0/60 years | 75 years | ₹ 60,000 | ₹ 72,000 | |
| Single pay | 75 minus age at entry | 0/60 years | 75 years | ₹ 2,50,000 | NA | |
| Protect Plus | 5-30 years | 60 minus age at entry | 0/45 years | 65 years | ₹ 60,000 | ₹ 72,000 |
| 65 minus age at entry | 46/55 years |
Under both the Plan Options, on survival of the Life Assured till the Date of Maturity, the policyholder will receive the Fund Value, including Top-up Fund Value if any, provided the ICICI Pru Platinum Plan Policy has not already been terminated.
On the death of the Life Assured during the ICICI Pru Platinum Plan Policy Term, provided the Policy is in-force, and the monies are not in the Discontinued Policy Fund, the Death Benefit will be payable to the Claimant.
Death Benefit payable will depend upon the plan option chosen by the Policyholder
Under the Growth Plus option, the Death Benefit will be the highest of:
Under the Protect Plus option, the Death Benefit will be the highest of:
You can choose from four portfolio strategies to save your money as per your risk appetite.
These are given below:
A. Fixed Portfolio Strategy
Under this strategy, you can choose to save your money in any of the following fund options in the proportions of your choice.
You can switch your investment amount among these funds using the switch option.
Within the Fixed Portfolio Strategy, you also have the option to select the Automatic Transfer Strategy (ATS).
To protect your savings against market uncertainties, you can save all or part of your savings in one or more debt/ equity fund(s) and transfer a fixed amount regularly to one or more equity/ debt fund(s).
Premium redirection and Unlimited free switches between funds are allowed for Fixed Portfolio Strategy.
| S. no | Fund Name | Asset Allocation | Risk Profile | ||
| Equity and Equity-related Securities | Debt | Money market and cash | |||
| 1 | Focus 50 Fund | 90-100% | 0-10% | 0-10% | High |
| 2 | India Growth | 80-100% | 0-20% | 0-20% | High |
| 3 | Opportunities Fund | 80-100% | 0-20% | 0-20% | High |
| 4 | Multi Cap Growth Fund | 80-100% | 0-20% | 0-20% | High |
| 5 | Blue-chip Fund | 80-100% | 0-20% | 0-20% | High |
| 6 | Maximiser V | 75-100% | 0-25% | 0-25% | High |
| 7 | Maximise India Fund | 80-100% | 0-20% | 0-20% | High |
| 8 | Value Enhancer Fund | 85-100% | 0-15% | 0-15% | High |
| 9 | Multi Cap Balanced Fund | 0-60% | 20-70% | 0-50% | Moderate |
| 10 | Active Asset Allocation Balanced Fund | 30-70% | 30-70% | 0-40% | Moderate |
| 11 | Secure Opportunities Fund | 0% | 60-100% | 0-40% | Low |
| 12 | Income Fund | 0% | 40-100% | 0-60% | Low |
| 13 | Money Market Fund | 0% | 0-50% | 50-100% | Low |
| 14 | Balanced Advantage Fund | 65-90% | 10-35% | 0-35% | High |
| 15 | Sustainable Equity Fund | 85-100% | 0-15% | 0-15% | High |
| 16 | Mid-Cap Fund | 85-100% | 0-15% | 0-15% | High |
| 17 | Mid-Cap Hybrid Growth Fund | 65-80% | 20-35% | 0-15% | High |
| 18 | Constant Maturity Fund | 0% | 75-100% | 0-25% | Moderate |
| 19 | Mid-cap Index Fund | 90-100% | 0-10% | 0-10% | High |
| 20 | Mid-cap 150 Momentum 50 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 21 | Multicap 50 25 25 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 22 | MidSmall cap 400 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 23 | MidSmallCap 400 Momentum Quality 100 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 24 | Smallcap 250 Momentum Quality 100 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 25 | India Consumption Fund | 90-100% | 0-10% | 0-10% | High |
| 26 | Nifty Alpha 50 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 27 | BSE 500 Enhanced Value 50 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 28 | Sector Leaders Index Fund | 90-100% | 0-10% | 0-10% | High |
| 29 | Dividend Leaders 50 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 30 | Smallcap 250 Index Fund | 90-100% | 0-10% | 0-10% | High |
| 31 | BSE Enhanced Value 30 Index Fund | 80-100% | 0-20% | 0-20% | High |
| 32 | Large & Mid Cap Advantage Fund: | 80-100% | 0-20% | 0-20% | High |
| 33 | BSE 500 Momentum Value 50 Index Fund: | 80-100% | 0-20% | 0-20% | High |
B. Target Asset Allocation Strategy
This strategy enables you to choose an asset allocation that is best suited to your risk appetite and maintains it throughout the ICICI Pru Platinum Plan policy term.
You can allocate your premiums between any two funds available with this Plan policy, in the proportion of your choice.
Your portfolio will be rebalanced every quarter to ensure that this asset allocation is maintained.
C. Trigger Portfolio Strategy 2
Under this strategy, your savings will initially be distributed between two funds: Multi Cap Growth Fund, an equity-oriented fund, and Income Fund, a debt-oriented fund in a 75%: 25% proportion.
The fund allocation may subsequently get altered due to market movements.
They will rebalance funds in the portfolio based on a trigger event.
D. Lifecycle-based Portfolio Strategy 2
At Policy inception, your savings are distributed between two funds, Multi Cap Growth Fund and Income Fund, based on your age.
As you move from one age band to another, your funds are redistributed based on age.
| Age of Policyholder (years) | Multi Cap Growth Fund | Income Fund |
| Up to 25 | 80% | 20% |
| 26-35 | 75% | 25% |
| 36-45 | 65% | 35% |
| 46-55 | 55% | 45% |
| 56-65 | 45% | 55% |
| 66+ | 35% | 65% |
i. Fund Management charge
It is 0.75% p.a. for Money Market Fund and 1.35% p.a. for all other funds. For discontinued policy funds, it is 0.50% p.a.
ii. Policy Administration Charge
The monthly policy administration charge in this product is 0.25% of the annual premium for limited pay and 0.03% of the single premium for single pay
iii. Mortality Charges
It is the cost of the life insurance cover and depends on your age, gender & chosen sum assured.
These charges will be levied every month by redemption of units based on the Sum at Risk.
| Age | 30 | 40 | 50 |
| Male | 1.17 | 2.02 | 5.32 |
| Female | 1.14 | 1.74 | 4.24 |
iv. Discontinuance charge
It depends on the year of discontinuance and the annualised premium amount. There is no discontinuance charge from the 5th policy year.
v. Policy Administration Charge
The plan does not levy any Premium Allocation Charges, which allows the plan to allocate the entire premium to the fund of your choice.
Inference from charges: The plan levies multiple charges during the ICICI Pru Platinum Plan policy term, including Discontinuance and Mortality Charges. These charges can reduce the amount available for investment and affect the overall returns.
Compared with other market-linked investment options, ULIPs generally involve a more complex charge structure.
The cumulative impact of these charges can significantly reduce the investor’s returns over the long term.
Grace Period
The grace period for payment of premium is 15 days for monthly mode of premium payment and 30 days for other modes of premium payment commencing from the premium due date.
Discontinuance
In case of discontinuance during the first five policy years: the Fund Value, including Top-up Fund Value, if any, shall be credited to the Discontinued Policy Fund after deduction of applicable discontinuance charges and the risk cover and rider cover, if any, shall cease. If you do not exercise the option to revive the policy, the monies will remain in the DP Fund and will be paid out at the end of the lock-in period (5 years).
In case of discontinuance after the first five policy years: the ICICI Pru Platinum Plan policy will be converted into a reduced paid-up policy with a paid-up sum assured.
Reduced paid-up Sum Assured = Original Sum Assured X (Total number of premiums paid till the date of discontinuance/ Original number of premiums payable as per applicable terms and conditions of the policy)
Revival
You can revive your ICICI Pru Platinum Plan policy benefits for their full value within three years from the due date of the first unpaid premium.
On receipt of the policy document, whether received electronically or otherwise, you have an option to review the policy terms and conditions.
If you are not satisfied or have any disagreement with the terms and conditions of the policy or otherwise and have not made any claim, the policy document needs to be returned to the Company with reasons for cancellation within 30 days from the date of receipt of the policy document.
During the first five policy years: the Fund Value, including Top-up Fund Value, if any, after deduction of applicable Discontinuance Charge, shall be transferred to the Discontinued Policy Fund (DP Fund).
The proceeds of the discontinued policy shall be refunded only upon completion of the lock-in period (5 years)
In case of surrender of the ICICI Pru Platinum Plan policy after the lock-in period, the surrender value, as on the date of surrender, shall be payable to you.
The primary objective of market-linked investments is long-term wealth creation. While such investments carry market risk, investors generally expect the potential for higher returns and, where applicable, alpha generation.
To assess the return potential of the ICICI Pru Platinum Plan, we analyse a case study using the quote from the portal and calculate the Internal Rate of Return (IRR).
A 35-year-old male purchases the ICICI Pru Platinum Plan with a sum assured of ₹31.5 lakh.
The policy term is 40 years, while the premium payment term is 20 years. The annual premium is ₹1.5 lakh.
| Male | 35 years |
| Sum Assured | ₹ 31,50,000 |
| Policy Term | 40 years |
| Premium Paying Term | 20 years |
| Annualised Premium | ₹ 1,50,000 |
On payment of all premiums, the maturity benefit comprises the fund value. The following projections are based on assumed investment returns of 4% and 8% p.a. These are illustrative assumptions and are not guaranteed returns.
At 4% p.a.: Fund Value = ₹64.06 lakh; IRR = 2.48% as per the ICICI Pru Platinum Plan maturity calculator
At 8% p.a.: Fund Value = ₹2.19 crore; IRR = 6.52% as per the ICICI Pru Platinum Plan maturity calculator
| At 4% p.a. | At 8% p.a. | ||||
| Age | Year | Annualised premium / Maturity benefit | Death benefit | Annualised premium / Maturity benefit | Death benefit |
| 35 | 1 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 36 | 2 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 37 | 3 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 38 | 4 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 39 | 5 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 40 | 6 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 41 | 7 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 42 | 8 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 43 | 9 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 44 | 10 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 45 | 11 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 46 | 12 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 47 | 13 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 48 | 14 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 49 | 15 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 50 | 16 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 51 | 17 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 52 | 18 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 53 | 19 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 54 | 20 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 55 | 21 | 0 | 31,50,000 | 0 | 31,50,000 |
| 56 | 22 | 0 | 31,50,000 | 0 | 31,50,000 |
| 57 | 23 | 0 | 31,50,000 | 0 | 31,50,000 |
| 58 | 24 | 0 | 31,50,000 | 0 | 31,50,000 |
| 59 | 25 | 0 | 31,50,000 | 0 | 31,50,000 |
| 60 | 26 | 0 | 31,50,000 | 0 | 31,50,000 |
| 61 | 27 | 0 | 31,50,000 | 0 | 31,50,000 |
| 62 | 28 | 0 | 31,50,000 | 0 | 31,50,000 |
| 63 | 29 | 0 | 31,50,000 | 0 | 31,50,000 |
| 64 | 30 | 0 | 31,50,000 | 0 | 31,50,000 |
| 65 | 31 | 0 | 31,50,000 | 0 | 31,50,000 |
| 66 | 32 | 0 | 31,50,000 | 0 | 31,50,000 |
| 67 | 33 | 0 | 31,50,000 | 0 | 31,50,000 |
| 68 | 34 | 0 | 31,50,000 | 0 | 31,50,000 |
| 69 | 35 | 0 | 31,50,000 | 0 | 31,50,000 |
| 70 | 36 | 0 | 31,50,000 | 0 | 31,50,000 |
| 71 | 37 | 0 | 31,50,000 | 0 | 31,50,000 |
| 72 | 38 | 0 | 31,50,000 | 0 | 31,50,000 |
| 73 | 39 | 0 | 31,50,000 | 0 | 31,50,000 |
| 74 | 40 | 0 | 31,50,000 | 0 | 31,50,000 |
| 75 | 64,06,149 | 31,50,000 | 2,19,78,002 | 31,50,000 | |
| IRR | 2.48% | 6.52% | |||
Despite being a market-linked product, the plan delivers relatively modest IRRs. At an assumed 8% investment return, the investor’s effective IRR is only 6.52%, reflecting the impact of charges and other policy costs.
This significantly reduces the benefit of market participation and limits the plan’s potential for long-term wealth creation.
The 40-year policy term also means that the investor remains committed to the plan for an extended period, while the projected corpus may not adequately keep pace with the rising cost of future financial goals.
Moreover, the sum assured of ₹31.5 lakh may provide limited protection for a family over such a long policy period.
Overall, the IRR analysis suggests that the ICICI Pru Platinum Plan may not be an efficient vehicle for achieving both investment and insurance objectives.
Separating these two needs—using suitable market-linked investments for wealth creation and adequate term insurance for protection—can provide greater flexibility, transparency and potentially better outcomes.
Although the ICICI Pru Platinum Plan is market-linked, its projected returns remain relatively modest.
This raises the question of whether separating insurance and investment could provide better outcomes.
To assess this, we compare the plan with an alternative strategy using the same assumptions and investment amounts considered in the earlier illustration.
A pure-term life insurance policy with a sum assured of ₹31.5 lakh requires an annual premium of ₹36,500 for a 35-year policy term, with a 10-year premium-paying period.
This leaves ₹1.13 lakh of the ₹1.50 lakh annual premium available for investment during the first 10 years and the full ₹1.50 lakh during the subsequent 10 years.
Depending on their risk tolerance and financial goals, investors can allocate these amounts to suitable debt or equity investments.
| Pure Term Life Insurance Policy | |
| Sum Assured | ₹ 31,50,000 |
| Policy Term | 35 years |
| Premium Paying Term | 10 years |
| Annualised Premium | ₹ 36,500 |
| Investment | ₹ 1,13,500 |
| Term Insurance + PPF | Term insurance + Equity Mutual Fund | ||||
| Age | Year | Term Insurance premium + PPF | Death benefit | Term Insurance premium + Equity Mutual Fund | Death benefit |
| 35 | 1 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 36 | 2 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 37 | 3 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 38 | 4 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 39 | 5 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 40 | 6 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 41 | 7 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 42 | 8 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 43 | 9 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 44 | 10 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 45 | 11 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 46 | 12 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 47 | 13 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 48 | 14 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 49 | 15 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 50 | 16 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 51 | 17 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 52 | 18 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 53 | 19 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 54 | 20 | -1,50,000 | 31,50,000 | -1,50,000 | 31,50,000 |
| 55 | 21 | 0 | 31,50,000 | 0 | 31,50,000 |
| 56 | 22 | 0 | 31,50,000 | 0 | 31,50,000 |
| 57 | 23 | 0 | 31,50,000 | 0 | 31,50,000 |
| 58 | 24 | 0 | 31,50,000 | 0 | 31,50,000 |
| 59 | 25 | 0 | 31,50,000 | 0 | 31,50,000 |
| 60 | 26 | 0 | 31,50,000 | 0 | 31,50,000 |
| 61 | 27 | 0 | 31,50,000 | 0 | 31,50,000 |
| 62 | 28 | 0 | 31,50,000 | 0 | 31,50,000 |
| 63 | 29 | 0 | 31,50,000 | 0 | 31,50,000 |
| 64 | 30 | 0 | 31,50,000 | 0 | 31,50,000 |
| 65 | 31 | 0 | 31,50,000 | 0 | 31,50,000 |
| 66 | 32 | 0 | 31,50,000 | 0 | 31,50,000 |
| 67 | 33 | 0 | 31,50,000 | 0 | 31,50,000 |
| 68 | 34 | 0 | 31,50,000 | 0 | 31,50,000 |
| 69 | 35 | 0 | 31,50,000 | 0 | 31,50,000 |
| 70 | 36 | 0 | 31,50,000 | 0 | 31,50,000 |
| 71 | 37 | 0 | 0 | ||
| 72 | 38 | 0 | 0 | ||
| 73 | 39 | 0 | 0 | ||
| 74 | 40 | 0 | 0 | ||
| 75 | 2,20,03,076 | 8,37,09,340 | |||
| IRR | 6.52% | 10.90% | |||
If the investible amount is directed towards a PPF, representing a relatively conservative debt-oriented option, the projected maturity value is ₹2.20 crore, with an IRR of 6.52%.
Alternatively, investing in an equity mutual fund can provide greater long-term growth potential, although with higher market risk.
At the assumed rate of return, the investment grows to a pre-tax maturity value of ₹9.52 crore and a post-tax value of ₹8.37 crore.
The combined strategy of pure-term insurance and equity mutual fund investment generates a post-tax IRR of 10.90%.
| Equity Mutual Fund Tax Calculation | |
| Maturity value after 40 years | 9,52,73,531 |
| Purchase price | 26,35,000 |
| Long-Term Capital Gains | 9,26,38,531 |
| Exemption limit | 1,25,000 |
| Taxable LTCG | 9,25,13,531 |
| Tax paid on LTCG | 1,15,64,191 |
| Maturity value after tax | 8,37,09,340 |
The comparison highlights the limitations of combining insurance and investment within the ICICI Pru Platinum Plan.
Despite its market-linked structure, the plan’s projected IRR is significantly lower than the potential returns from a separately managed investment strategy.
Therefore, rather than combining insurance and investment in a single product, a pure-term life insurance policy combined with appropriate market-linked investments can be a more efficient strategy for achieving both financial protection and long-term wealth creation.
The ICICI Pru Platinum Plan is a conventional ULIP that provides equity exposure through a range of investment funds.
Under the Growth Plus Option, the death benefit is the higher of the Sum Assured or Fund Value, while under the Protect Plus Option, it is the Sum Assured plus the Fund Value.
Beyond this difference in death-benefit structure, the plan does not offer any particularly distinctive feature.
While the plan may appear suitable for investors seeking long-term equity exposure, a closer examination of its returns highlights several limitations.
The projected returns are relatively low for a long-term market-linked investment, resulting in an unfavourable risk-to-return proposition.
Multiple charges can further reduce the amount available for investment and erode returns over time.
In addition, the Sum Assured may not provide adequate protection to meet a family’s long-term financial needs and it also has a high agent commission.
Overall, the ICICI Pru Platinum Plan does not appear to be an efficient option for equity allocation. Investors taking equity risk should ideally seek returns that adequately compensate for market volatility and have the potential to outperform inflation over the long term.
Instead of using a ULIP to gain equity exposure, investors may consider other market-linked investment options that offer greater flexibility and transparency.
For life insurance protection, a pure-term insurance policy can provide substantially higher coverage at a relatively affordable premium.
A well-structured financial plan should treat insurance and investment as separate needs.
Do Quora, Facebook, and Twitter have the final say when it comes to financial advice?
A professional financial planner can help determine the appropriate level of life insurance and construct an investment portfolio based on your risk tolerance, financial goals and investment horizon.
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