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DHFL Pramerica Roz Sanchay Plan

What is the Plan all About?

DHFL Pramerica Roz Sanchay is a non-participating, limited pay, guaranteed endowment plan that offers guaranteed maturity benefits. This plan provides Annual Guaranteed Addition that increases every Policy year through the entire policy term. You will also get a comprehensive life cover that ensures financial security for the family.


What are the Key Features?

  • Guaranteed Maturity Benefit
  • Increasing life cover
  • Get loan against the policy
  • Enjoy Accrued Annual Guaranteed Addition
  • Limited premium payment term
  • Get tax benefits

What are the Plan Benefits?

Death Benefit

    In the event of death of the insured during the term of the policy, Base Death Benefit plus Accrued Annual Guaranteed Addition is payable to the nominee. Base Death Benefit is 150% of Base Sum Assured during the first policy year increasing by 5% of the Base Sum Assured for every completed Policy Year, through the entire policy term.

    For age at entry less than 45 years, The Base Death Benefit is higher of 105% of the premiums paid, 10 times the Annualised premium, or 150% of the Base Sum Assured. For age at entry 45 years or more, The Base Death Benefit is higher of 150% of the Base Sum Assured, 7 times the Annualised premium, or 105% of the premiums paid.

Maturity Benefit

    On survival of the life Insured till the end of the policy term, the Maturity Benefit payable is 150% of Base Sum Assured plus Accrued Annual Guaranteed Addition.

Annual Guaranteed Addition (AGA)

    Annual Guaranteed Addition is accrued at the end of each policy year from the 4th policy year till the completion of the policy term. The AGA for a policy year is accrued to the policy, on payment of all due premiums.

Loan Benefit

    Loan is available up to 80% of the Surrender Value for DHFL Pramerica Roz Sanchay.

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 first two consecutive policy years.

Tax Benefit

    You can avail tax benefits under section 10(10D) and 80 C the Income Tax Act, subject to prevailing tax laws.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 8 Years 50 Years (Policy Term 16 Years), 45 Years (Policy Term 21 Years)
Age at Maturity - 66 Years
Policy Tenure 16 Years 21 Years
Premium Paying Term 12 Years (Policy Term 16 Years), 16 Years (Policy Term 21 Years) -
Premium Paying Mode Annually, Semi Annually & Monthly -
Premium Amount - -
Sum Assured Rs 1 Lac (Policy Term 16 Years), Rs 1.20 Lacs (Policy Term 21 Years) Rs 5 Crores
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 Roz Sanchay with the policy term of 16 years, premium paying term of 12 years, annual premium of Rs 15,360 and the base sum assured is Rs 1.2 Lacs.

Scenario A: Raman Survives the Policy Term

If Mr. Raman survives till the maturity of the policy term, he receives 150% of Rs 1.2 Lacs plus Accrued Annual Guaranteed Addition. This 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 Rs 2.7 Lacs plus Accrued Annual Guaranteed Addition. This payout provides financial cover for the family.

Benefit Illustration:

DHFL Pramerica Roz Sanchay