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  • DHFL Pramerica Smart Cash Protect Plan

    DHFL Pramerica Life Insurance

    Managing finances is not a very difficult task, but owing to the unpredictable nature of economy, it is better to be safe rather than sorry. It is essential for customers to manage their hard earned money in the right and investing it in the right schemes and options. One of the foolproof options is to invest in insurance plans as this will guarantee a corpus at the right time. Life Insurance options in particular provide customers with the right investment platform and also provide the family of the insured in case of his/her untimely death.


    DHFL Pramerica Smart Cash Protect is a plan that takes care of the policyholder’s regular and long term expenses by providing regular income through cash benefits every year along with lump sum payouts.

    Eligibility Conditions for DHFL Pramerica Smart Cash Protect

        Premium Payment Term
        12 15 20
    Entry Age

    Minimum

    Maximum

    23 years

    55 years

    20 years

    55 years

    18 years

    50 years

    Policy Term   70 - entry age 75 - entry age 85 -  entry age
    Policy Tenure - Minimum   30 years 35 years 40 years
    Policy Tenure - Maximum   47 years 55 years 67 years
    Maximum Age of Maturity   85 years 90 years 90 years
    Premium Payment Tenure 12 years / 15 years / 20 years
    Mode for Premium Payment Yearly, Half-yearly, Monthly
    Minimum Premium Rs. 12,000
    Maximum Premium No limit and is subject to underwriting
    Minimum Assured Sum Rs. 1,25,000
    Maximum Assured Sum No limit and is subject to underwriting

    Key Features of DHFL Pramerica Smart Cash Protect

    Plan Type Insurance cum participating endowment plan
    Plan Basis Individual
    Maturity Benefits 50 percent of the assured sum along with final bonus, if applicable.
    Death Benefit Applicable
    Survival Benefit Post 15th policy year
    Bonus Income Applicable
    Guaranteed Income Applicable

    Benefits of DHFL Pramerica Smart Cash Protect

    This DHFL Pramerica Life plan comes with numerous benefits and features.

    • In case of untimely demise of the insured, his/her nominee will receive an assured death benefit. In case this occurs during the first 15 years of the policy, then the nominee will receive assured death sum along with accrued reversionary bonus and final bonus if applicable. In case the policyholder’s demise occurs after the 15th policy year then his/her nominee will receive assured death sum along with final bonus. The assured death sum in this case is 11 X annualised premium or 50 percent of assured sum.
    • After the 15th year of policy, as survival benefit, customers will receive reversionary bonus that has been accrued in those fifteen years.
    • Post 16th policy year until maturity, the insured will receive a bonus every year.
    • Post 16th policy year until maturity, the insured will receive yearly payouts which is equal to 6 percent of the assured sum.
    • As maturity benefit, insured will receive 50 percent of assured sum and final bonus, if applicable.
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