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DHFL Pramerica Life Term Insurance Plans

You always want to ensure security of your loved ones, so they don’t have to strive for a financially independent life. DHFL Pramerica Life Insurance Company offers various protection plans for you & your family. These plans assure financial protection for your family against uncertainties of life.

DHFL Pramerica Life has 57.19% as Claim Settlement Ratio. (as per IRDAI Annual Report 2014-15).

DHFL Pramerica Life offers following term plans:

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1. DHFL Pramerica Family First

You want to take of all your family needs, want to provide them with the best comforts and happiness of life. DHFL Pramerica Family First term insurance plan takes care of regular and day to day financial needs of the family. This plan pays both the monthly income and lump sum benefit that helps cover all the financial expenses of your family, when you are not around.

Key Features

• Life cover at a reasonable cost

• Lump Sum benefit for your family

• Assured Monthly Income Benefit for your family

• Guaranteed income for a minimum period of 48 months

• Get enhanced coverage through appropriate riders

• 4-step easy procedure to ensure financial security for your family

Benefits

  • Death Benefit

    o   Monthly Income Benefit: In case of unfortunate demise of the life insured, a level monthly income as chosen, is paid to the family till the end of the policy term.

    o   Lump Sum Benefit: A lump sum benefit equal to 20 times the monthly income is paid immediately to the family, in case of unfortunate demise of the life insured.

    o   Guaranteed Monthly Income Benefit: A guaranteed monthly income is paid for 48 months. This payout is in addition to the lump sum payout, even if the claim arises during the last 4 years of the policy.

  • Rider Benefit

    This plan offers DHFL Pramerica Traditional Accidental Death Benefit Rider & DHFL Pramerica Traditional Critical Illness Rider.

  • Tax Benefit

    Under this plan, tax benefits are applicable under section 80C & 10 (10D) of the Income Tax Act, 1961.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 years 50 years
Age at Maturity - 65 years
Policy Tenure 10 years 30 years
Premium Paying Term Same as policy term Years -
Premium Paying Mode Monthly, Quarterly, Semi Annually & Annually -
Monthly Income Benefit Rs 4,000 No Limit (subject to underwriting)
Lump Sum Benefit Equal to 20 times the Monthly Income Benefit -
Maturity Proceeds Nil -
Surrender Benefit Nil -

2. DHFL Pramerica Family Income

Don’t you like to secure your family against uncertainties that life throws at you? DHFL Pramerica Family Income Plan is a non-participating decreasing term plan that enables you to provide a monthly income support for the family, when you are not around. The nominee/beneficiary under this plan also has the option to receive all monthly installments as a lump sum payment.

Key Features

• Secure your family against financial liabilities at a reasonable cost

• Nominee receives regular monthly income

• Flexibility to opt for Lump Sum benefit

• Boost coverage through riders

• Premium rebates for male & female lives

• 4-step easy procedure to buy the plan

Benefits

  • Death Benefit

    o   Monthly Income Benefit: In case of death of the life insured during the policy term, the nominee is entitled to receive the monthly income that starts from the date of death till the end of the policy term, subject to a guaranteed payout for a minimum period of 36 months. This monthly income benefit option once chosen cannot be changed.

    o   Lump Sum Benefit: If the lump sum benefit option is chosen, the nominee becomes entitled to receive the discounted value of all future monthly payouts. Its discounted value is determined at the rate of interest as decided by the company.

  • Rider Benefits

    This plan offers DHFL Pramerica Traditional Accidental Death Benefit Rider & DHFL Pramerica Traditional Critical Illness Rider.

  • Tax Benefit

    Under this plan, you can avail tax benefits as applicable under section 80C & 10 (10D) of the Income Tax Act, 1961.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 years 55 years
Age at Maturity - 65 years
Policy Tenure 5 years 30 years
Premium Paying Term Same as policy term Years -
Premium Paying Mode Monthly, Quarterly, Semi Annually & Annually -
Monthly Income Benefit Rs 2,000 No Limit (subject to underwriting)
Maturity Proceeds Nil -
Surrender Benefit Nil -

3. DHFL Pramerica U-Protect

DHFL Pramerica U-Protect is a term insurance plan that is designed to ensure your family’s protection, even in your absence. This plan provides pure insurance cover for your loved ones at a quite reasonable cost.

Key Features

• Comprehensive life protection at a nominal cost

• Lower premiums for leading a healthy lifestyle

• Boost protection by choosing riders

• Attractive premium rates for male & female lives

Benefits

  • Death Benefit

    In case of the unfortunate event of death of the life insured, the nominee will receive the chosen sum assured. The policy will terminate after payment of the death benefit.

  • Rider Benefit

    This plan offers DHFL Pramerica Traditional Accidental Death Benefit Rider & DHFL Pramerica Traditional Critical Illness Rider.

  • Tax Benefit

    Under this plan, you can avail tax benefits as applicable under section 80C & 10 (10D) of the Income Tax Act, 1961.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 years 55 years
Age at Maturity - 65 years
Policy Tenure 10 years 30 years
Premium Paying Term Same as policy term Years -
Premium Paying Mode Semi Annually & Annually -
Sum Assured 25 Lacs No Limit (subject to underwriting)
Maturity Proceeds Nil -
Surrender Benefit Nil -