• DHFL Pramerica Smart Assure Plan

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    Plan Benefits

    Payment Options

    Policy Coverage

    Customer Service

    Life insurance plans are procured as they guarantee financial assistance to the insured and the family of the insured in case of the policy holder’s untimely death. In financial uncertain times such as these, it is important for customers to ensure that they have safety net for themselves and their family in case of emergencies or other necessities. The need only increases with age and by the time customers retire, they need to find out a way to manage their hard earned money so that they will not have to worry about it once they retire.


    DHFL Pramerica offers a plethora of insurance plans for customers. They can choose the required plan going by their needs and necessities. The Smart Assure plan provides guaranteed maturity benefit and death benefit and is an endowment insurance plan that is non-participating.

    Eligibility Conditions for DHFL Pramerica Smart Assure

    Entry Age (in years) Minimum 8
    Maximum For policy term of 10 years 60
    For policy term of 15 years 55
    For policy term of 20 years 50
    Maximum Age of Maturity 70 years
    Policy Tenure 10 years or 15 years or 20 years
    Terms for Premium Payment Policy Tenure Premium Payment Tenure
    10 years 5 years or 7 years
    15 years 7 years or 10 years or 15 years
    20 years 10 years or 15 years or 20 years
    Assured Base Sum Minimum Rs. 75,000 - limited pay
    Rs. 1 lakh- regular pay
    Maximum Rs. 25 lakhs
    Yearly Premium Minimum Rs. 6000 and this is subject to minimum base assured sum
    Maximum Corresponding to the maximum assured base sum
    Mode for Premium Payment Annually, Half-yearly, Quarterly and Monthly

    Key Features of DHFL Pramerica Smart Assure

    Plan Type Non-participating Endowment Insurance Option
    Plan Basis Individual
    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.
    Loan Can be procured
    Tax Benefit Applicable

    Benefits of DHFL Pramerica Smart Assure

    This DHFL Pramerica Life Insurance plan comes with a number of benefits.

    • In case of untimely demise of the insured during the policy tenure, the nominee will receive both the assured death sum and accrued maturity additions, if applicable. In case the insured is below 45 years at the age of entry, then the assured death sum is a higher of assured base sum or 11 X yearly premium or assured maturity sum. In case the insured was over 45 years old at the time of entry then assured death sum is a higher of assured base sum or 7X yearly premium or assured maturity sum. The assured maturity sum will be equal to assured base sum.
    • In case the policyholder survives till maturity of the policy, then he/she will receive assured maturity sum along with maturity additions.
    • Automatic continuation of cover for complete death benefit for a year is also applicable if the premium for 3 policy years has been completely paid and successive premium installment is not paid.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

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

    DHFL Pramerica Smart Assure Plan Reviews

  • Page 1 of 1
    • DHFL Pramerica Life Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I hold life insurance policy with DHFL PRAMERICA LIFE INSURANCE from last 4 years, this policy has to be renewed every year in order to continue. I pay a premium of Rs 35000 on annual basis through online and i am also convenient with the payment options which they are giving. The customer service and their response is good. I am also satisfied with the coverage and benefits of this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2017
    • DHFL Pramerica Life Insurance
      "RAJESH SEHGAL"
      0.5 0.5/5 "Unacceptable"
      I have taken DHFL-Dhan Suraksha Plan with an anuual premium of Rs.30000. After paying premium for a tenure of 7 years (Rs.210,000) my surrender value is Rs.120,000/- only and there is also not a good return if I will pay for 15 years of policy. Its a big disappointment and fake commitment given by DHFL.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 04, 2017
    • DHFL Pramerica Life Insurance
      "Nice"
      0.5 4.0/5 "Great!"
      I took the life insurance policy with the DHFL pramerica and the premium is around 26000 Rupees per annum and I got it as add-on while I got the loan. Services with them is good and I have not much concerned with them. Premium payment is good and its the single shot payment, also I have not experienced with them much till now.
      Was this review helpful? 0
      , lucknow
      Reviewed on Apr 15, 2017
    • DHFL Pramerica Life Insurance
      "Make it better"
      0.5 4.0/5 "Great!"
      I am having life insurance policy with the DHFL pramerica and the premium is around 1 lakh Rupees per annum and the tenure is around eighteen years of time and after that I will get around 18 lakh Rupees as the tenure for around ten years of time as payment period, also for the coverage of 50 lakh Rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 13, 2017
    • DHFL Pramerica Life Insurance
      "Good policy!"
      0.5 5.0/5 "Blown Away!"
      I have taken a term policy with DHFL Pramerica. Premium payment is getting deducted from my account on monthly basis through ECS manner. Before 6 months, I have started this policy and this is only for the risk factor. I am really satisfied in signing a policy with them.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 04, 2016
    • DHFL Pramerica Life Insurance
      "good it is.."
      0.5 4.0/5 "Great!"
      As along with the home loan this life insurance been provided to me. I availed loan amount of 22 lakhs and the plan will give good benefits. At any time I can close the plan at DHFL Pramerica Life insurance and settle the amount for the loan. Premium is 20thousand per annum.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 30, 2016
    • DHFL Pramerica Life Insurance
      "DHFL Practicing Fraud insurace Policy "
      0.5 1.0/5 "Really Bad"
      Dear Sir, greeting for the day!! One of agents has told you will get Rs3,00,000 loan by doing the policy. So, i proceed to make policy and I received the policy bond also. I found the is was not give which was told to me. and my signature was duplicate. and I informed the customer care when they called me for confirmation. Then i was following with agent for the above & loan (reference number is PB1698DF) The lead was Preeti, Deepak, & they called from below numbers +91 9311738861;+91 9312612331;+91 9312625310; whats up no 9560778228. Till today no response.. This is not mistake of agent , But it is total mistake of DHFL who keep such agents for make money. If we ask you will tell IRDA rules. It is 100% mistake of DHFL ........DHFL Practicing Fraud insurace Policy
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 11, 2016
    • DHFL Pramerica Life Insurance
      "Great "
      0.5 4.0/5 "Great!"
      DHFL pramerica life insurance is the one which will have the tenure of 11 years of time. I am paying around 11000 Rupees as the premium per year of time and I been with them from the last three years of time. The services are quite good with them.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 11, 2016
    • DHFL Pramerica Life Insurance
      "Recommendable..."
      0.5 4.5/5 "Excellent!"
      I have taken life insurance from DHFL. It covers the over all housing cast. Other than no benefit. But my suggestion is, I recommend the people to go with DHFL. Policy coverage is for 10 lakhs. I used to make the premium amount which is 30k per annual.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 19, 2015
    • DHFL Pramerica Life Insurance
      "Not Trustworthy"
      0.5 3.0/5 "Satisfactory"
      DHFL Pramerica life insurance has not informed me the right information on the plan benefits. To improve the sales. They have given me the wrong information. It is a life time policy. The tenure is for 15 years. The premium is paid on a half yearly basis. The payments can be done online.
      Was this review helpful? 0
      , ranchi
      Reviewed on Sep 30, 2015
    • DHFL Pramerica Life Insurance
      "Never recommend..."
      0.5 2.0/5 "Expected more"
      It is a traditional plan that offered along with my home loan. For 17 years of tenure I need to pay the premium and the maturity amount would be ten times of the premium amount. As this life insurance covers whole life and risk factors are also covered. I never recommend DHFL Pramerica life insurance.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 29, 2015
    • DHFL Pramerica Life Insurance
      "Excellent and Swift"
      0.5 5.0/5 "Blown Away!"
      The Bank Bazaar team helped me to select the right bank with lowest interest rates. Their Customer Service is so much brilliant and swift. Their website has taken care of everything and it is very help full to a common man. Thanks to Bank Bazaar that today I am having a house of my own.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 13, 2015
    • DHFL Pramerica Life Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken my Life Insurance policy from DHFL PRAMERICA LIFE INSURANCE which is of twenty years. I just completed three years now, the major benefit on this policy is like gives an life coverage. After completion of 58 years I will be getting some benefits on this policy. Per year I am making my premium of 12k.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 10, 2015
    • DHFL Pramerica Life Insurance
      "Not happy about services...."
      0.5 2.5/5 "Just OK"
      When I missed a payment there were lots of deductions and charges. I am just planning to withdraw the deposited amount on life insurance with DHFL Pramerica life insurance. I was informed that there would be no lockin period to close the plan but now they are saying that only they can give 50% of the invested amount. Branches are very less as they donâ??t have network in all the places.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 07, 2015
    • DHFL Pramerica Life Insurance
      "Customer service has to be improved!!"
      0.5 3.0/5 "Satisfactory"
      The term policy taken from DHFL Life insurnace, the coverage is for 30 years. Incase of any issues my nominee will get a sum assured.The premium is paid every half yearly through online or the agent will come to collect the payment. The customer service is average is because when I submitted the cheque I still did not receive any receipts. The local team has to be improved.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 14, 2015
    • DHFL Pramerica Life Insurance
      "Satisfied!!!"
      0.5 3.0/5 "Satisfactory"
      I have opted for annual premium and life insurance with DHFL Pramerica is good where they are providing death coverage. Coverage would be like of 75% but not very sure. DHFL is offering tax benefit. Employees should be in touch with the customer frequently because they are not contacting customers once the policy get opened.
      Was this review helpful? 2
      , mumbai
      Reviewed on Apr 17, 2015
    • DHFL Pramerica Life Insurance
      "Excellent customer service!!!!!!!!"
      0.5 5.0/5 "Blown Away!"
      DHFL PRAMERICA LIFE INSURANCE provided the insurance policies also. Initially I was unaware that they will provide insurances. However they do. Its an yearly premium policy where I will able to pay easily . Branch was near to my home so no hassle in payment . Overall they are good. The best part was they are providing quick response for all customers
      Was this review helpful? 7
      , bangalore
      Reviewed on Oct 02, 2014
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