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Pramerica Life Roz Sanchay Plan 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.
Get QuoteDeath 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 Pramerica Life 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.
| 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 | - |
No riders can be attached to this plan.
Raman at 35 years, opts for Pramerica Life Roz Sanchay Plan 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:
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