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Pramerica Life Insurance

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Pramerica Life Insurance
Claim Settlement Ratio98.61%
Customer Care1800 102 7070
Death Benefit Paid For560 Policies
Presence138 Offices Pan India
Total Death Benefit Paid22.44 Crore

Pramerica Life Insurance is a collaboration between two different companies. The Prudential International Insurance Holdings Limited, which is a subsidiary of the Prudential Financial Incorporate and Investment Limited which is completely owned by Dewan Housing Finance Corporation Limited have come together to form this life insurance company. The two companies agreed to venture into life insurance in the year 2013. Pramerica Life Insurance has a network of 138 offices located all across India. The company provides special policies for the Defence personnel where they cover all the needs of our brethren in the defense forces. For this reason, they have been awarded the Pride of India award in 2018.

Apart from these, they have been bestowed with accolades time and again for the services and unique products they have been providing since their inception. The company received the Golden Star Award for Corporate Social Responsibility in 2018. Pramerica won the Sales Champion Award at the 5th Annual Economic Times Insurance Summit 2018.

Pramerica Life Insurance is customer-oriented, the insurance company aims to provide a seamless experience for its customers. The customer care team at Pramerica provides robust assistance and help in making an informed insurance related decision.

Types of Pramerica Life Insurance Plans

Pramerica Life Insurance has seven varied types of life insurance plans to cater to the needs of its customer base across India.

1. Term Plans: Pramerica Life Insurance offers 3 term insurance plans namely Pramerica Life Saral Jeevan Bima, Pramerica Life TruShield, and Pramerica Life U-Protect. Pramerica Life Saral Jeevan Bima is a pure risk plan that provides a death benefit in case of your unfortunate demise during the policy term. Pramerica Life TruShield plan provides life cover along with a return of premium at the time of plan maturity. Pramerica Life U-Protect plan is designed to ensure that your family is financially secure even in your absence.

2. ULIP Plans: Pramerica Life Insurance offers 4 ULIP plans namely Pramerica Life Wealth Enhancer, Pramerica Life Wealth Maximiser, Pramerica Life Wealth + Ace, and Pramerica Life Smart Wealth+. These plans provide the customers with a combined investment and protection feature. There are various special features provided, and the customer can choose according to his/her preferences, goals, and situations.

3. Child Progress Plans: DHFL Pramerica Life Insurance offers 1 child progress plan i.e. Pramerica Life Rakshak Gold, this is a very progressive plan provided by the company. It is an endowment policy that takes care of your child if something unfortunate happens to you by giving out a death benefit. If the policyholder is alive, then also it provides a maturity benefit.

4. Health Insurance Plans: Pramerica Life Insurance offers 1 health insurance plan i.e. Pramerica Life Cancer + Heart Shield. This plan provides you and your family financial protection to overcome the expenses of critical illness like cancer and other heart related medical issues.

5. Savings Plans: Pramerica Life Insurance offers 7 savings plans namely Pramerica Life Secure Savings Plan, Pramerica Life Smart Income, Pramerica Life Smart Assure, Pramerica Life Flexi Cash, Pramerica Life Smart Cash Protect, Pramerica Life Roz Sanchay and Pramerica Life Magnum Assure. These DHFL insurance provided by Pramerica Life Insurance are specially designed for the purpose of saving for a better future or a goal.

6. Group Plans: Pramerica Life Insurance offers 9 group insurance plans namely Pramerica Life Group COVID-19 Shield, Pramerica Life Group Traditional Employee Benefit Plan, Pramerica Life Group Health Kavach, Pramerica Life Sampoorna Suraksha, Pramerica Life Group Term Care, Pramerica Life Group Term Plan, Pramerica Life Sarv Suraksha, Pramerica Life Group Credit Life+ and Pramerica Life Dengue + Group Shield.

Term Life Insurance Premium Calculator


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Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Eligibility depends on income, occupation and educational qualification

User Reviews

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What users are saying
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  • Great Service

    Thank you, InsuranceDekho, for helping me purchase a life insurance policy smoothly. I am loving my experience of buying the Pramerica Life Insurance Policy. I am impressed with the supportive customer care team. Firstly, I was not sure whether to purchase a life insurance policy online. Now, I will recommend everyone purchase one from InsuranceDekho’s Website.

    By Ravi Yadav
    On: Feb 15, 2024
  • Easy Process of Claim Settleme...

    The process of claim settlement on the InsuranceDekho website was very easy. I just had to get in touch with the customer service team who explained the complete procedure, followed by which I easily raised a claim against the Pramerica life insurance plan.

    By Komal Srivastava
    On: Dec 18, 2023
  • Comprehensive Policy Inclusion...

    The Pramerica Life Insurance Policy I selected through InsuranceDekho had comprehensive inclusions. The detailed coverage ensured that my beneficiaries would be well taken care of in various life scenarios.

    By Suhani Shah
    On: Nov 22, 2023
  • Unbeatable Convenience

    Convenience is key in today's fast-paced world. InsuranceDekho's online platform makes managing my Pramerica Life Insurance Policy and payments a breeze.

    By Lopa Bhatt
    On: Sep 27, 2023
  • Cash Value Accumulation

    InsuranceDekho's Pramerica Life Insurance Policy also offers cash value accumulation over time, providing valuable savings for my family. Glad to have added this component in addition to life coverage.

    By Pooja Bhatia
    On: Sep 13, 2023

Life Insurance News


  • How is your age significant in the Pramerica Life Insurance premium calculation?

    If you are young and you opt to buy a Pramerica Life Insurance Policy, the premium that you would have to pay is low.

  • What are the premium payment frequencies available for the Pramerica Life Insurance policy?

    The options available for the Pramerica Life Insurance Policy are Monthly, Quarterly, Half-Yearly, and Yearly. Whatever you choose is up to you.  

  • What happens to the Pramerica Life Insurance premium amount when the policy elapses?

    The premium amount after a Pramerica life insurance policy has lapsed, increases. To revive the policy, the policyholder has to pay all the outstanding premiums which are unpaid along with a predefined interest rate. 

  • What are the details required in the Pramerica Life Insurance premium calculator?

    Your date of birth, gender, policy term, and sum assured are the primary details that are required in the Pramerica Life Insurance premium calculator. The secondary details include smoking habits, occupation type, annual salary, and educational background. 

  • Are the details required different for the different Pramerica Life Insurance products?

    The information required to be entered is the same. There can be small changes made in the selection of the plan type and the term of policy, which may depend upon the plan selected by you.