Скачать или смотреть ICICI Prudential Life Smart Kid 360 Review 2026 | Child Insurance Plan for Indian Parents

ICICI Prudential Life Insurance Smart Kid 360 is a guaranteed child insurance plan where the parent is insured and the child is the beneficiary.
In this video, I explain how Smart Kid 360 works during life and death scenarios, using real benefit illustrations.

Most parents buy child plans emotionally.
Very few understand how a child plan actually behaves during crisis — especially when income stops.

In this video, I explain:

✔ What Smart Kid 360 actually is
✔ How its benefits work in real life
✔ How guaranteed benefits are structured — and what expectations parents should NOT keep
✔ Risk transfer vs normal investment thinking
✔ Who should buy this plan
✔ Who should strictly avoid this plan

This video is meant for decision-ready parents, not PDF collectors

📌 Important
This is not a recommendation video.
Final suitability depends on income stability, risk appetite, and goal clarity.

📞 Consultation is available only for serious buyers
(Consultation is a filter — not a product)

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⏱️ Time Stamps

00:00 – SIP की सच्ची कहानी: मौत के बाद क्या टूटता है
00:22 – Child plan की असली value कब दिखती है
00:37 – Introduction & video context

01:00 – Smart Kid 360 क्या है (बच्चे का नहीं, future का बीमा)
01:37 – Eligibility, premium term और policy term
02:16 – बच्चे के goals और life stages

02:51 – Guaranteed plan explained (Non-linked, Non-par)
03:21 – Parent insured, child beneficiary logic

03:47 – Money-back structure (income years choice)
04:11 – Assured benefit calculation (simple example)
05:01 – Increasing vs level income option

05:25 – Waiver of premium & continuation benefit
05:47 – Real family example (1-year child)

06:33 – Alive vs death scenario explanation
07:18 – Income year flexibility (not fixed years)

08:38 – Benefit illustration (without family income)
10:24 – Death benefit scenario explained

12:04 – Family Income Benefit rider explained
13:06 – Illustration with family income benefit

15:06 – High premium (₹5 lakh) example
16:26 – Increasing income final example

17:24 – Who should buy this plan
17:40 – Who should NOT buy

18:18 – Equity option alternative mention
18:45 – Consultation & comparison offer

19:00 – Final summary: crisis-time value
20:34 – Parent stress-test question (closing thought)
21:13 – Video end