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  • DHFL Pramerica Smart Assure Plan

    DHFL Pramerica Life Insurance

    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.
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