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DHFL Pramerica Sahaj Suraksha Plan

What is the Plan all About?

DHFL Pramerica Sahaj Suraksha is a traditional endowment insurance plan that provides a lump sum guaranteed benefit at maturity plus enhanced long-term life cover. This plan helps build wealth, so you can you have a sufficient corpus to fulfill the financial obligations.


What are the Key Features?

  • Wealth Accumulation through bonus additions
  • Life cover up to 75 years of age
  • Choose limited premium payment term of 15/20 years
  • Get loan against the policy
  • Get tax benefits

What are the Plan Benefits?

Death Benefit

    In the event of death of the insured during the term of the policy, Death Sum Assured plus Accrued Reversionary Bonuses plus Interim Bonus plus Final Bonus is payable.

    For age at entry less than 45 years, The Death Sum Assured is higher of Basic Sum Assured, 11 * Annualized Premium, or (70 – Age at entry) * 0.5 * Annualized Premium. For age at entry 45 years or more, the Death Sum Assured is higher of Basic Sum Assured, 11 * Annualized Premium, or (70 – Age at entry) * 0.25 * Annualized Premium.

    The death benefit is at least 105% of all the premiums paid, till the date of death.

Maturity Benefit

    On survival of the life Insured till the end of the policy term, the Maturity Benefit payable is sum of Basic Sum Assured, Accrued Reversionary Bonuses, & Final Bonus.


    Compounded Reversionary Bonus is a percentage of the total of Basic Sum Assured and once declared, it become guaranteed benefit under the plan to be payable on death or maturity. 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 90% of the Surrender Value for DHFL Pramerica Sahaj Suraksha.

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 three consecutive policy years.

Tax Benefit

    You can avail 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 50 Years
Age at Maturity - 75 Years
Policy Tenure 75 - Entry Age -
Premium Paying Term 15/20 Years -
Premium Paying Mode Annually, Semi Annually, Quarterly & Monthly -
Premium Amount Rs 6,144 Depends On The Chosen Basic Sum Assured, Age At Entry And Premium Payment Term
Sum Assured Rs 1 Lac 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 Sahaj Suraksha with the premium paying term of 15 years, annual premium of Rs 10,062 and the sum assured is Rs 1.5 Lacs.

Scenario A: Raman Survives the Policy Term

If Mr. Raman survives till the maturity of the policy term, he receives Rs 1.5 Lacs plus Accrued Reversionary Bonuses and Final Bonus. 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 1.5 Lacs plus Accrued Reversionary Bonuses plus Interim Bonus plus Final Bonus. This payout provides financial cover for the family.