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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

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

About Pramerica Life Insurance

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 in 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 defence 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 has 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 provide 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 return of premium at the time of plan maturity. Pramerica Life U-Protect plan is designed to ensure that your family is financially secured 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: 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 which 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 plans provided by the 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.

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  • InsuranceDekho's Pramerica Life Insurance Policy also offers cash value accumulation over time, providing valu...

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    By Pooja Bhatia
    On: Sep 13, 2023
  • I appreciate that InsuranceDekho's life insurance policy is designed with families in mind. It gives me confid...

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    By Zaid Khan
    On: Sep 08, 2023
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    By Bilal Vohra
    On: Sep 06, 2023
  • I was looking for a life insurance policy on InsuranceDekho that can give me the option of critical illness co...

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    By Rajesh Kumar
    On: Sep 01, 2023
  • At first, I was a bit hesitant while entering my car details on the website of InsuranceDekho while purchasing...

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    By Rima Malviya
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Latest News on Pramerica Life Insurance

Claim Process at Pramerica Life Insurance

  • 1

    Claim Intimation

    In the event of the death of the life assured, the insurance company should be intimated as early as possible.
  • 2

    Submission of Documents

    For easy claim settlement, claim form, original policy document, death certificate and others documents should be submitted on time.
  • 3

    Claim Evaluation

    After successful submission of documents, the insurance company will thoroughly evaluate the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim is settled within 30 days. In case of additional investigation, claim process may take 120 days.
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FAQ About Pramerica Life Insurance

  • 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.

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