Get Quotes from Top Insurers with Lowest Premium
Enter Details > Get Quotes > Buy Your privacy is protected.
Unbiased information on plans from varied insurance companies
Easy comparisons to choose the best insurance plan
No hidden costs, pay the same premiumas offered by the insurer
Pre and post sales expert assistance for smooth online buying experience
Reliable, Accurate and Quick policy servicing
Our representative will get back to you soon.
You can also directly contact us at

DHFL Pramerica E-Save Plan

What is the Plan all About?

DHFL Pramerica e-Save is a non-participating endowment insurance plan that offers guaranteed maturity and death benefit. This plan helps build wealth, so you can meet financial obligations for key milestones such as child’s higher education & marriage, retirement, etc.


What are the Key Features?

  • Guaranteed Maturity Benefits
  • Increasing Annual Guaranteed Additions
  • Financial protection for family
  • Get loan against the policy
  • Hassle-free procedure to buy plan online
  • Get tax benefits

What are the Plan Benefits?

Death Benefit

    In the event of death of the insured during the policy term, Death Sum Assured plus Accrued Annual Guaranteed Additions is payable. If the age at entry is less than 45 years, the Death Sum Assured is higher of 10 times of Annualized Premium or Base Sum Assured. If the age at entry is 45 years or more, the Death Sum Assured is higher of 7 times of Annualized Premium or Base Sum Assured

    The Death Sum Assured is subject to a minimum of 105% of all the premiums paid.

Maturity Benefit

    On survival of the life Insured till the end of the policy term, Base Sum Assured along with the Accrued Annual Guaranteed Additions is payable.

Annual Guaranteed Additions

    Annual Guaranteed Addition is a percent of cumulative Annualized Premium. Annual Guaranteed Additions rate is 7%, 8%, 9% or 10%, depends on the Premium band opted.

Loan Benefit

    Loan is available up to 80% of the Surrender Value for DHFL Pramerica e-Save.

Surrender Value

    Surrender Value is higher of Special Surrender Value or Guaranteed Surrender Value. Surrender Value can be acquired on payment of all premiums for at least two consecutive policy years.

Tax Benefit

    This policy provides tax benefits under section 80C & 10(10D) of the Income Tax Act, subject to prevailing tax laws.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 18 Years 55 Years (policy Term 10 Years), 50 Years (policy Term 15 Years), 45 Years (policy Term 20 Years)
Age at Maturity - 65 Years
Policy Tenure 10/15 Years 20 Years
Premium Paying Term Equal To Policy Tenure -
Premium Paying Mode Annually, Semi Annually, Quarterly & Monthly -
Premium Amount Rs 20,000 No Limit (subject To Underwriting)
Sum Assured Depends On Age At Entry, Annualized Premium And Policy Term Opted No Limit (subject To Underwriting)
Freelook Period 30 Days From The Receipt Of The Policy -
Grace Period 30 Days -
Plan Type Online -

Is any Rider Available with this Plan?

No riders can be attached to this plan.

How the Plan Works?

Raman at 35 years, opts for DHFL Pramerica e-Save with the policy term of 10 years, annual premium of Rs 75,000. Annual Guaranteed Additions is 10% on cumulative Premiums paid.

Scenario A: Raman Survives the Policy Term

If Mr. Raman survives till the maturity of the policy term, he receives a lump sum amount as a Base Sum Assured opted along with the Accrued Annual Guaranteed Additions. The maturity amount helps fulfill your financial objectives.

Scenario B: Raman dies during the Term of the Policy

In the event of demise of Mr. Raman during any policy year, the nominee will receive Death Sum Assured plus Accrued Annual Guaranteed Additions. This payout provides financial cover for the family.

Benefit Illustration:

DHFL Pramerica e-Save Plan