DHFL Pramerica Sahaj Suraksha Plan

In economically uncertain times such as this, it is important for customers to ensure that their finances are in order so that they will not have to worry about it unduly, especially during their retirement years or for major events in their lives. Procuring life insurance is a wise investment move as this creates a corpus for customers to be used in the future, and also provide for their family in case of the insured’s untimely death.


There are a number of insurance policies available for customers to choose from based on their requirements. DHFL Pramerica life offers numerous policies for customers to choose from. The Sahaj Suraksha plan is a long term protection and participating savings plan. Customers receive a corpus when they reach 75 years of age. Additional benefits and features are mentioned below.

Eligibility Conditions for DHFL Pramerica Sahaj Suraksha

Entry Age (in years)

Minimum Age - 18

Maximum Age - 50

Maturity Age- Maximum 75 years
Premium Payment Tenure 15 and 20
Minimum Premium Rs. 6144
Maximum Premium Depends on the basic assured sum chosen, entry age and tenure for premium payment
Minimum Basic Assured Sum Rs. 1 lakh
Maximum Basic Assured Sum Subject to underwriting

Key Features of DHFL Pramerica Sahaj Suraksha

Plan Type Long term protection cum participating savings plan.
Plan Basis Individual
Policy Term (75 - age of entry) in complete years
Maturity Benefits Sum of assured basic sum, accrued reversionary bonus and any other bonuses (if any).
Premium Payment Frequency Annually, Half-yearly, Quarterly, Monthly
Death Benefit Nominee will receive Death assured sum, accrued reversionary bonus and any other bonus.

Benefits of DHFL Pramerica Sahaj Suraksha

This plan comes with a number of benefits.

  • In case the insured survives until maturity of the policy then he/she will receive a sum of the basic assured sum, accrued reversionary bonus and any other bonuses, if applicable.
  • In case of untimely death of the insured, nominee will receive assured death sum, accrued reversionary bonus and other bonuses, if applicable.
  • Death sum assured for policyholders whose age of entry is below 45, the amount will be a higher of -
    • 11X yearly premium@
    • (70 - age at entry) x 0.5 x yearly premium@
    • Basic assured sum
  • Death sum assured for policyholders whose age of entry is above 45, the amount will be a higher of -
    • 11X yearly premium@
    • (70 - age at entry) x 0.25 x yearly premium@
    • Basic assured sum
  • This participating plan comes with compounding reversionary bonus and apart from this final and interim bonus may also be declared. However, these bonuses are not guaranteed.

Benefit Illustration for DHFL Pramerica Sahaj Suraksha

Let us take the case of Raj who at 50 procures this plan. He opts for a premium payment tenure of 15 years and opts to pay yearly and for policy term of 25 years. The basic assured sum is Rs. 1,20,000. Assuming Raj survives until maturity, he will receive a lump sum amount of Rs. 4,25,384 in case rate is at 4 percent.

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GST of 18% is applicable on life insurance effective from the 1st of July, 2017

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