ICICI Prudential GSIP is a traditional plan with limited premium pay option and bonus facility; The plan Offers Guaranteed Maturity Benefit. Can you tell me what kind of compounded anuualised returns I can expect from GSIP of ICICI Pru Life? I was made to purchase this policy by. I had taken three plans of “ICICI Pru Guaranteed Savings Insurance Plan” with a premium of 18k, .. I have also Taken GSIP during Feb,

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Service tax and cess will be charged extra, as per applicable rates. Low returns and very low liquidity. You have completed the mandatory 3 years, so you can exit from the policy. The bonus rate is 4. Luckily, as in the present case, I was able to google my way to reviews.

Just make sure you are not taking any assumptions promised by the agent, and putting the real numbers as promised in the document you signed!

ICICI Guaranteed Savings Insurance Plan Review – OneMint

It is an endownment policy. So is their regular addition which they dont tell, and hsip is as high and constant. Your valued comments would be much appreciated. Fourth, I have taken it because I wudnt like to pay for 50 lac insurance my whole life. Go for a simple term insurance [about a month will give you upto 50 lakhs cover] and good old PPF [if market risks scares you]. In my case I would receive after 15 years!


ICICI Pru Guaranteed Savings insurance Plan

Annual Premium x Premium Paying Term. Tax benefits under the policy will be as per the prevailing Income Tax laws. Rate the question You have rated this question. This site uses Akismet to reduce spam. Gssip post any questions or comments that you may have and me and the other great commenters here will try to answer them.

No cash back plan is good for investment.

This is also part of what they consider the guaranteed payment. December 13, at What about the last 2 yr premiums.

Your money will be iciici in Govt securties and it is safe. So you invested 75 K till 3 yrs and you get at end of 3 yrs. But in reality 4. The Advisor was silent on Expenses part.

You can calculate how much interest you can earn. This is no insurance. I was informed the bonus so far is 8k viswa says: I can only assume people get lost in the details and fail to ask real questions.


I have been frauded into buying polices for several laks. Ok in icicu case you can be with the policy if your calculations tell you that you are getting good returns! There are other sides of this policy tooo. In May, my 3 years will be up and I would like to cancel my policy then.

Disappointed with ICICI Pru GSIP , Will not get back any money after making Paidup ?

I was made to purchase this policy by an agent despite of my very heavy resistance. Should I continue this investment?

Thanks for the analysis Manshu and to others who have replied to this post. You can choose a term plan of any reputed Co. March 3, at 2: It is not the insurance plan. Alternatively, you may also post your concern along bsip your policy details on https: Good Afternoon Sir, Executive says: Company Information About Us.

The surrender shall extinguish all the rights, benefits and interests under the Policy.