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Pramerica Life Term Insurance User Reviews

101 reviews Rate This
Claim Settlement Ratio98.61%
Customer CareMon to Sat 9:30 AM to 6:30 PM
Death Benefit Paid For560 Policies
Presence138 Offices
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

Best Pramerica Life Term Insurance Plans

1 Crore
1.5 Crore
2 Crore
2.5 Crore
    Tax Free
    1 Cr
Starting From 707/Month
24hr Claim Settlement
Key Features:
  • Zero Cost Benefit
  • Terminal Illness
  • Nominee's Choice payout
  • Voluntary Top Up
  • Tax Benefits
    Tax Free
    1 Cr
Starting From 812/Month
24hr Claim Settlement
Key Features:
  • Waiver of Premium on Disability
  • Terminal Illness
  • Life Stage Benefit
  • Tax Benefits
  • Special Exit Benefit
    Tax Free
    1 Cr
Starting From 771/Month
24hr Claim Settlement
Key Features:
  • Tax Benefits
  • Terminal illness
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Rating of Pramerica
Based on
101 User reviews
  • Term Insurance - A Lifeline

    InsuranceDekho became our lifeline when we needed a term insurance policy. Their expert advice and support made a world of difference with the Pramerica Term Insurance- Life TruShield Plan- Term Insurance.

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    Mansi Bhandari
    On: Nov 09, 2023
  • Easy Application Process

    Applying for the Pramerica Life Term Insurance Policy with InsuranceDekho was incredibly easy and convenient, thanks to their user-friendly online platform.

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    Swapnil Goswamy
    On: Sep 13, 2023
  • Knowledgeable customer care team

    I wanted to purchase a plan that did not overshoot my budget and provided me good coverage so I contacted the helpline number of InsuranceDekho. The executive listened to my requirements and recommended I purchase the Pramerica Life Term Insurance Policy as it best suited my requirements under my defined budget.

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    Abhay Raj
    On: Aug 28, 2023
  • Easy renewal policy

    I wanted to renew my Pramerica Life Term Insurance Policy from InsuranceDekho. I contacted the helpline number of InsuranceDekho to know about the renewal process, the customer executive not only helped me renew the policy but also answered all my queries. The renewal process was quite easy and time-saving. 

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    Ruby Mehta
    On: Aug 23, 2023
  • Tax benefits

    The Pramerica Life Term Insurance Policy provided me with great coverage benefits. Also, I can avail of tax benefits on the amount of premium to be paid. I am thankful to the experts at the InsuranceDekho portal who helped me purchase this policy. 

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    Manu Sharma
    On: Aug 16, 2023
  • Educative Resource for Insurance

    InsuranceDekho's website is really amazing. I found their articles to be highly informative and educative, providing valuable insights into various insurance topics. After going through some articles I purchased the Pramerica Life Term Insurance Policy and am totally happy without it,

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    Nishtha Saini
    On: Jul 25, 2023
  • Affordable Protection for Loved Ones

    InsuranceDekho offers the most affordable protection for my loved ones. The premiums on the Pramerica Life Term Insurance Policy are reasonable, and the coverage ensures financial security in case of any unfortunate events.

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    Adi Narayan
    On: Jul 18, 2023
  • Wonderful Staff And Insurance Company

    I am very grateful that InsuranceDekho helped us in buying the best term insurance plan and getting financial security against unforeseen critical illnesses. I bought the Pramerica Life Term Insurance Policy and it was a nice experience. The customer care team resolved all my queries within a limited span of time. The budget-friendly plans are listed on their website with all the relevant information. 

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    Kushbu Rathore
    On: Jul 11, 2023
  • Enhanced Coverage with Critical Illness Rider

    InsuranceDekho's critical illness rider is a valuable addition to their Pramerica Life Term Insurance Policy. It provides coverage for critical illnesses, ensuring that I have financial protection in case of a serious health condition. Their comprehensive coverage sets them apart.

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    Isha Makul
    On: Jul 06, 2023
  • The policy was renewed on time

    I bought the Pramerica Life Term Insurance Policy from InsuranceDekho a few years back. And whenever the time comes for renewing the policy, I am always given friendly reminders from the team of InsuranceDekho. So, overall I am happy with buying the plan from InsuranceDekho. 

    Read More
    Nupur Goel
    On: Jun 29, 2023

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Pramerica Life Term Insurance Contact Details

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Claim Process at Pramerica Life Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.

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FAQ About Pramerica Life Term Insurance

  • What is the age to purchase a Pramerica Term Insurance policy?

    The age to purchase a Pramerica Term Insurance policy is between 18 and 50 years. The Trushield Policy has terms of 7, 10, 12, 15, 20 years thus the maximum age at which it can be purchased is 50 years, and the policy term for U-protect policy is 10 years -30 years and the maximum age for purchase is the same. 

  • What is the minimum and maximum value of sum assured in Pramerica Term Insurance plans?

    The minimum sum assured in a Pramerica TruShield plan is Rs 5 lakhs, and the maximum is Rs. 50 crores. The minimum amount assured in DHFL Pramerica U-Protect plan is Rs. 25 lakhs, and there is no maximum limit which is subject to underwriting.

  • What is the premium payment frequency in Pramerica Term Insurance policies?

    Pramerica TruShield plan has an option of monthly, annual, or single premium payment, whereas the U-Protect plan has yearly and half-yearly premium options. 

  • Which Term Insurance policy in Pramerica provides the premium amount at maturity?

    Pramerica TruShield term insurance returns the premium minus the tax amounts to the policyholder if they are alive at maturity otherwise the sum assured at the inception of the policy is offered to the family of the policyholder in an unfortunate event of death. 

  • What is the maximum age at maturity for a policyholder in a Pramerica term insurance plan?

    The maximum age at maturity for a Pramerica term insurance policyholder is 65 years.