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 Premier Gain Plan

What is the Plan all About?

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.


What are the Key Features?

  • Corpus at Maturity through Bonus additions
  • Attractive returns
  • Life cover for the full policy term
  • Limited premium payment term
  • Avail loan facility
  • Get tax benefits

What are the Plan Benefits?

Death Benefit

    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.

Maturity Benefit

    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 Benefit

    Loan is available up to 80% of the Surrender Value for DHFL Pramerica Premier Gain.

Surrender Value

    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.

Tax Benefit

    You can avail tax benefits under the Income Tax Act, subject to applicable tax laws.

Who can Buy the Plan?

Factor Minimum Maximum
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 -
Plan Type Offline -

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 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.

Benefit Illustration:

DHFL Pramerica Premier Gain