• DHFL Pramerica Savings Plans

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    Life Insurance is advertised as being a security blanket during the occurrence of unfortunate events. Procuring a life insurance policy enables a person to lead life a little more peacefully as he/she is assured of their family’s well-being in case of their untimely death. There are a number of policies available with various benefits and features that can be chosen.

    Being financially secure is of utmost importance. This is because everything revolves around money, all kinds of goods and services can only be availed if a person has money. Ensuring the security of dependent is imperative today and with myriad policies available to safeguard a family’s financial security, the process is a lot easier.

    Why DHFL Pramerica?

    One of the fastest growing a dynamic insurance providers in the country, DHFL Pramerica Life is headquartered in Gurgaon and services thousands of customers throughout the country. The company offers insurance plans to suit everybody’s needs and requirements. A systematic approach to savings and investments can be availed by opting for one of their insurance plans.

    1. DHFL Pramerica Aajeevan Samriddhi

      The Aajeevan Samriddhi plan by DHFL Pramerica is a savings plan as well along with being a whole life participating insurance cover. Through this plan, customers can avail financial security until their 99th year along with procuring a corpus when they are 65 years old.

      Benefits

      1. In case of untimely demise of the insured, the nominee receives assured death benefit.
      2. When the insured turns 65 years old, he/she will be paid the ‘Accrued Reversionary Bonuses’ and the ‘Accrued Guaranteed Additions’ as part of the survival benefit.
      3. At the end of the policy term, the insured receives maturity benefit including a final bonus, if any and the basic sum that has been assured.
      4. Insured will be eligible to receive 40 for 1000 sum assured as guaranteed additions for the first five years of the policy.
    2. DHFL Pramerica Flexi Cash

      This plan is a non-linked endowment plan that is participatory in nature, allowing customers to control their plan. It also allows customers to manage their financial needs as per their convenience.

      Benefits

      1. In case of the unfortunate death of the insured during the term of the policy and if the policy is in force, the nominee receives both the accrued Reversionary Bonus and Death sum that has been assured along with a final bonus, if any.
      2. At policy maturity, the insured will receive a benefit that is equal to 100 percent of the base sum assured that was chosen at the beginning along with the ‘Accrued Reversionary Bonus’ and a final bonus, if any.
      3. Customers also have the option of advancing the date of their maturity wherein they will be eligible to receive complete benefits of the policy. There will not be any discount factors applicable during this period.
      4. 10 percent of the yearly premium will be provided as guaranteed loyalty benefit every year at the commencement of the year from the start of the second year of policy until the rest of the premium term for payment.
    3. DHFL Pramerica Magnum Assure

      A non participating endowment insurance plan, the Magnum Assure provides customers with dual benefits allowing them to maintain financial security.

      Benefits

      1. The payout period will commence from the month of the death of the insured or from the date of policy maturity, whichever is earlier.
      2. In case of untimely demise of the insured, the nominee will receive the death sum assured through equal monthly installments during the period of payout.
      3. In case the insured survives until the date of policy maturity, then he/she will receive maturity benefit.
      4. Tax benefits are applicable on this policy.
      5. Insured customers can also procure loan against the Magnum Assure policy after the surrender value has been acquired, prior to payout to 80 percent of the surrender value.
    4. DHFL Pramerica Premier Gain

      This policy is a participating endowment plan that is non-linked along with the chance to avail attractive returns.

      Benefits

      1. In case of untimely death of the insured, the nominee will receive a sum of the assured death sum, final and interim bonus, if any and the accrued reversionary bonus. This death sum is the highest of assured base sum and 10x annualized premium.
      2. Upon policy maturity, insured will receive accrued reversionary bonus along with base sum that has been assured and the final bonus, if any.
      3. Tax benefits are applicable on this policy as per the current laws.
      4. After the policy acquired surrender value, the insured can procure a loan against this for a maximum of 80 percent of the surrender value.
    5. DHFL Pramerica Roz Sanchay

      A savings and a protection plan, the Roz Sanchay offer from DHFL Pramerica is a non-participating guaranteed endowment plan that has limited pay. Benefits are guaranteed.

      Benefits

      1. In case of untimely death of the insured during the tenure of policy, accrued annual guaranteed additions and base death benefit is payable.
      2. The maturity amount is guaranteed to policyholders and is a sum of the following - 150 percent of the assured base sum and accrued annual guaranteed additions assuming the policy is in force.
      3. A percentage of the assured base sum is the annual guaranteed additions and this is added to the benefits received by the policy.
    6. DHFL Pramerica Sahaj Suraksha

      The Sahaj Suraksha plan by DHFL Pramerica is a participating savings and a protection policy that is long term in nature. Through this plan, customers receive a corpus when they attain the age of 75.

      Benefits

      1. When the insured is 75 years old, the policy will mature and a sum of the assured basic sum and accrued reversionary bonus will be paid along with a final bonus, if any.
      2. The assured death sum, interim and final bonus, if any along with the accrued reversionary bonus will be provided in case of the insured’s untimely death.
    7. DHFL Pramerica Smart Assure

      This is an endowment policy that is non-participatory in nature and provides guaranteed death and maturity benefits.

      Benefits

      1. In case of the insured’s untimely demise during the term of the policy. The death sum assured will be paid to the nominee along with the accrued maturity additions, if there is any.
      2. On policy maturity, the insured will receive maturity additions and the maturity sum that was assured.
      3. An auto cover continuation feature is available with this plan wherein if the premium has been paid completely for 3 years but not for the subsequent one, the complete death benefit will be continued for the successive year.
      4. Tax benefits are available.
      5. Customers can procure a loan against this policy.
    8. DHFL Pramerica Smart Cash Protect

      An insurance as well as a participating endowment plan, the Smart Cash Protect is an all rounder plan that takes care of long term as well as regular expenses.

      Benefits

      1. In case of insured’s unfortunate death prior to completion of term, the nominee will receive accrued reversionary bonus along with assured death sum as well as final bonus, in case there is any.
      2. The insured will get reversionary bonus accrued during the first fifteen terms of the policy as survival benefit.
      3. The bonus that has been declared every year will be given to the policyholder.
      4. Yearly payouts that are equal to 6 percent of the assured sum will be provided to the holder of the policy.
      5. Half of the assured sum along with a final bonus, if any will be provided as maturity benefit.
    9. DHFL Pramerica Smart Income

      A life insurance policy that allows customers to customize the policy to suit their requirements, the Smart Income policy is non-participating and guarantees annual income.

      Benefits

      1. Lump sum equal to the death sum assured will be provided as death benefit.
      2. Yearly payouts for a term that is equal to the payout tenure will be provided as maturity benefit.
      3. Customers are eligible to receive tax benefits by procuring this plan.
      4. Loan can also be availed against this policy.
    10. DHFL Pramerica Smart Money Back

      Smart Money Back policy by DHFL Pramerica allows policyholders to achieve their financial aims and provides payouts periodically allowing them to build a secure financial future.

      Benefits

      1. In case of untimely demise of insured, the nominee will receive the complete assured death sum and the accrued reversionary bonuses along with any interim, final bonuses.
      2. As part of the survival benefit, the insured will receive a part of the assured base sum at specified intervals throughout the policy term.
      3. A maturity benefit of final and accrued reversionary bonus will be provided.
      4. Customers can avail tax benefits.
      5. Loans can be procured against this policy.
    11. DHFL Pramerica Smart Wealth+

      A unit linked insurance policy that is non-participating, this policy helps customers achieve their financial goals.

      Benefits

      1. The fund value will be provided to the customer upon maturity and rider risk and death cover will not exist post policy maturity.
      2. In case of untimely demise of the insured. Death benefit that is equal to higher of the assured sum or value of fund that has been subjected to minimum of 105 percent of the paid premium will be provided to the nominee.
      3. Customers can conserve their capital towards the end of their term when their investment is to be paid back.
      4. Persistency units will be provided
      5. Protection can be enhanced by opting for the accidental death benefit rider.
      6. Surrender value is acquired right from the first year of policy but it is payable only after five years have been completed.
    12. DHFL Pramerica Wealth+ Ace

      This policy is a unit linked plan with premium that can be paid in a single lump sum amount. A secure financial future can be achieved by opting for this policy due to its numerous benefits.

      Benefits

      1. The fund value along with persistency unit value will be paid as maturity benefit.
      2. Death benefit is also provided.
      3. Thanks to the Systematic Transfer Plan, a specific amount can be invested in any of the fund options available such as debt fund, Growth fund, Balance fund and Large Cap equity fund.
      4. Persistency Units will be added to the unit account of the insured.
      5. Riders and tax benefits are available.
      6. Customers can also procure a loan against this policy.
    13. DHLF Pramerica e Save

      As the name suggests, this is an online endowment insurance plan that is non participating and guaranteed death and maturity benefits.

      Benefits

      1. In case of an untimely demise of the policyholder during term of the policy, an amount that is equal to the sum of accrued guaranteed additions and assured death sum will be provided.
      2. Assured base sum along with the accrued annual guaranteed additions will be provided as maturity benefit.
      3. Annual guaranteed additions will be provided.
      4. Tax benefits are available and customers can also procure a loan against this policy.

    There are a number of policies available in the market today. Customers must keep various pointers in mind before choosing the policy that is most suitable for them and their families.

    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 Savings Plans 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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