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  • DHFL Pramerica Term Insurance

    DHFL Pramerica Term Plan

    DHFL Pramerica provides a host of life insurance policies suited to a policyholder’s protected cum savings plan needs.

    Types of DHFL Pramerica Term Plans:

    The different policies under DHFL Pramerica Term Plans are mentioned below:

    1. DHFL Pramerica Family Income
    2. DHFL Pramerica Family First
    3. DHFL Pramerica U Protect

    DHFL Pramerica Family Income

    DHFL Pramerica Family Income plan is a non-participating decreasing term plan that helps take care of the policyholder’s family’s financial requirements in his absence. The benefits are in the form of monthly payouts.

    Parameters

    Minimum

    Maximum

    Entry Age

    18 years

    55 years

    Policy Term

    5 years

    30 years

    Benefit Expiry Age

    -

    65 years

    Monthly Benefit

    Rs 2000

    No limit

    Premium

    Depends on the monthly income selected subject to the minimum of Rs 1,000 p.a. (for annual,semi-annual & quarterly modes)

    Rs 1,200 p.a for monthly mode

    No limit

    Premium Payment

    Option

    Regular Pay

    Premium Payment

    Modes

    Annual/Semi-annual/Quarterly/Monthly

    DHFL Pramerica Family First

    DHFL Pramerica Family First protection plan is a monthly benefit term insurance plan designed to protect the policyholder’s family during the financial gaps in their lives, post the absence of the life insured.

    Parameters

    Minimum

    Maximum

    Entry Age

    18 years

    50 years

    Policy Term

    10 years

    30 years

    Benefit Expiry Age

    -

    65 years

    Monthly Benefit

    Rs 4000

    No limit

    Premium

    Rs 2000 for Annual, Semi Annual & Quarterly

    modes and for monthly mode the annual

    premium is Rs 2400

    No limit

    Premium Payment

    Option

    Regular Pay

    Premium Payment

    Modes

    Annual/Semi-annual/Quarterly/Monthly

    DHFL Pramerica U-Protect

    DHFL Pramerica U-Protect is a term insurance plan that is designed to ensure that the policyholder’s family is financially secure, even after his death.

    Parameters

    Minimum

    Maximum

    Entry Age

    18 years

    55 years

    Policy Term

    10 years

    30 years

    Benefit Expiry Age

    -

    65 years

    Premium

    Rs 4000

    No limit

    Sum assured

    Rs 25,00,000

    No limit

    Premium Payment

    Option

    Regular Pay

    Premium Payment

    Modes

    Yearly, Half Yearly

    Key Features of DHFL Pramerica Term Plans:

    • Comprehensive insurance protection plan at nominal cost.
    • Attractive premium rates for male and female lives
    • Enhanced cover with optional Accidental Death Benefit Rider and Critical Illness Rider
    • Tax benefits as applicable.
    • Lump Sum Benefit equal to 20 times the monthly benefit income chosen.

    Example of DHFL Pramerica Term Plan

    Mr. Shyam, a non-smoker, aged 35 buys Pramerica Term Plan for a sum Assured of Rs. 50,00,000 for a policy term of 20 Years, on an annual mode. He pays a premium of Rs 7,750. On his accidental death, his family received the entire sum assured.

    DHFL Pramerica Term Plans FAQs:

    1. Q. How much Life Insurance do I need?

      A. The need for Life Insurance is based on various factors including your current lifestyle, expected outflows in future, your present age and family size.

    2. Q. Can I change my nomination?

      A. Yes. You can change your nomination at any time during the policy tenure till the maturity date.

    3. Q. What details I have to provide about the nominee/s?

      A. The following details are necessary when filling in the proposal form:

      • Full name of the nominee
      • Address
      • Age
      • Relationship between you and the nominee
    4. Q. I am serving in the armed forces, can I buy this plan? What are the exclusions for the same?

      A. Yes. You can buy this plan. There are NO exclusions apart from the exclusions in terms of suicidal death.

    5. Q. When does the risk cover for the policy start?

      A. The risk cover starts as soon as the policy period begins.

    6. Q. How does the DHFL Pramerica Term Plan work?

      A.Choose any of the plans and monthly income benefit that you would like your family to receive every month.

      • Choose the tenure of the plan.
      • Choose any or both the optional riders if you wish to.
      • Work out the premium payable.
      • Once the cover period begins, the benefits would be paid in case of eventualities.
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