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DHFL Pramerica Premier Gain is a non-linked participating endowment insurance plan that provides attractive returns along with insurance cover. This plan helps accumulate wealth, so you can fulfill your financial goals.BUY NOW
In the event of death of the insured during the term of the policy, the Death Benefit payable is sum of Death Sum Assured, Accrued Reversionary Bonuses, and Interim and Final Bonus. The total Death Benefit is subject to a minimum of 105% of all the Premium paid. Death Sum Assured is higher of Base Sum Assured or 10 times of Annualized Premium.
On survival of the life Insured till the end of the policy term, the Maturity Benefit payable is Base Sum Assured along with accrued Reversionary Bonus and Final Bonus.
Compounded Reversionary Bonus is a percentage of the total of Base Sum Assured and the bonuses declared during first three policy years is vested only after the policy is in-force during three Policy years. It does not apply to policies resulting in death claims during this period. Interim Bonus is payable on death, surrender, or maturity during the inter-valuation period. Final Bonus is payable on maturity, surrender or death.
These bonuses are non-guaranteed and are dependent on the performance of the participating fund.
Loan is available up to 80% of the Surrender Value for DHFL Pramerica Premier Gain.
Surrender Value is higher of Special Surrender Value or Guaranteed Surrender Value. Surrender Value can be acquired on paying premiums for at least two consecutive policy years.
You can avail tax benefits under the Income Tax Act, subject to applicable tax laws.
|Age (as on last birthday)||8 Years (Policy Term 10 Years), 3 Years (Policy Term 15 Years), 91 Days (Policy Term 20 & 25 Years)||50 Years (Policy Term 10 & 20 Years), 55 Years (Policy Term 15 Years), 45 Years (Policy Term 25 Years)|
|Age at Maturity||-||70 Years|
|Policy Tenure||10/15/20 Years||25 Years|
|Premium Paying Term||5 & 7 Years (Policy Term 10 Years), 7 & 10 Years (Policy Term 15 Years), 7, 10, & 15 Years (Policy Term 20 Years), 10, 15, & 20 Years (Policy Term 25 Years)||-|
|Premium Paying Mode||Annually (Policy Term 10 Years) Annually, Semi Annually, Quarterly & Monthly (Policy Term 15, 20 & 25 Years)||-|
|Premium Amount||Rs 75,000 (Policy Term 10 Years), Rs 50,000 (Policy Term 15, 20 & 25 Years)||No Limit (subject To Underwriting)|
|Sum Assured||Rs 3.5 Lacs||No Limit (subject To Underwriting)|
|Freelook Period||15 Days/30 Days (for Distance Marketing Channel) From The Receipt Of The Policy||-|
|Grace Period||30 Days||-|
No riders can be attached to this plan.
Raman at 35 years, opts for DHFL Pramerica Premier Gain with the policy term of 25 years and premium paying term of 10 years, annual premium of Rs 1 lac, and the sum assured is Rs 12,43,008.
Scenario A: Raman Survives the Policy Term
If Mr. Raman survives till the maturity of the policy term, he receives Rs 12,43,008 along with accrued Reversionary Bonus and Final Bonus. This maturity amount helps meet 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 sum of Death Sum Assured, Accrued Reversionary Bonuses, and Interim and Final Bonus. This payout provides financial cover for the family.