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- A customized financial shield as per your family’s future financial need
- Ensure & Safeguard your life cover with accidental death benefit, terminal and critical illness options
- Increase (Enhance/ Add a Booster to) your life cover with changing life stages and protection needs in the same plan
Tell us about yourself
The Minimum age to apply is 18 years.
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Your Life Cover premium is annually with a policy duration of 56 years
Choose the best plan to suit your family’s future financial needs
Life Cover
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Life Boost
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Life Smart Step up
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Life Cover
In unfortunate event of death of Life Assured during the Policy Term, while the Policy is in-force, Death Sum Assured will be paid out to the Nominee as per the Benefit payout option chosen at inception. The policy will terminate on payment of this benefit.
However, Death Sum Assured under the policy will be highest of the following:
- 10 times the annualised premium
- 105% of all the premiums paid as on date of death
- Absolute amount payable on death which is equal to Base Sum Assured
Life Boost
In unfortunate event of either death of life assured or diagnosis of Terminal Illness, whichever is earlier, the Death Sum Assured will be paid out to the Nominee as per the Benefit payout option chosen by policyholder at inception, subject to the Policy being in force.
However, Death Sum Assured under the policy will be highest of the following:
- 10 times the annualised premium
- 105% of all the premiums paid as on date of death
- Absolute amount payable on death which is equal to Base Sum Assured
Terminal illness is an accelerated benefit and the policy will continue with the remaining Base Sum Assured (reduced by the extent of the Terminal Illness benefit paid) and the benefit payment upon diagnosis of Terminal Illness would be restricted to 1 crore. Terminal Illness benefit will be payable to the Life Insured as lump sum only.
Life Smart Step up
In addition to life cover and Terminal Illness, this option also provides an extra cover in case of accidental death. The additional death benefit equal to Accident Death Benefit would become payable as lump sum in case Life Assured dies due to an Accident.
However, Death Sum Assured under the policy will be highest of the following:
- 10 times the annualised premium
- 105% of all the premiums paid as on date of death
- Absolute amount payable on death which is equal to Base Sum Assured
Terminal illness is an accelerated benefit and the policy will continue with the remaining Base Sum Assured (reduced by the extent of the Terminal Illness benefit paid) and the benefit payment upon diagnosis of Terminal Illness would be restricted to 1 crore. Terminal Illness benefit will be payable to the Life Insured as lump sum only.
Life Health Hike
In addition to life cover and Terminal Illness, this option also provides Critical Illness Benefit as chosen by the policyholder at inception, upon diagnosis of any of the 35 critical illnesses.
However, Death Sum Assured under the policy will be highest of the following:
- 10 times the annualised premium
- 105% of all the premiums paid as on date of death
- Absolute amount payable on death which is equal to Base Sum Assured
Terminal illness and Critical Illness benefit are an accelerated benefit and the policy will continue with the remaining Base Sum Assured (reduced by the extent of the Critical Illness benefit or Terminal Illness benefit paid). The Policy will continue for remaining Base Sum Assured.
- The benefit payment upon diagnosis of Terminal Illness would be restricted to 1 crore. Terminal Illness benefit will be payable to the Life Insured as lump sum only.
- Premium payment towards CI Benefit will cease after payment of Critical Illness Benefit. Critical Illness benefit is payable as Lump Sum only, on first occurrence of any of the covered 35 critical illnesses.
Life Total
In addition to life cover, Terminal Illness and Critical Illness, this option also provides an extra cover in case of accidental death, the Death Sum Assured will be paid out to the Nominee as per the Benefit payout option chosen by policyholder at inception, subject to the Policy being in force.
However, Death Sum Assured under the policy will be highest of the following:
- 10 times the annualised premium
- 105% of all the premiums paid as on date of death
- Absolute amount payable on death which is equal to Base Sum Assured
Terminal illness and Critical Illness benefit are an accelerated benefit and the policy will continue with the remaining Base Sum Assured (reduced by the extent of the Critical Illness benefit or Terminal Illness benefit paid). The Policy will continue for remaining Base Sum Assured.
- The benefit payment upon diagnosis of Terminal Illness would be restricted to 1 crore. Terminal Illness benefit will be payable to the Life Insured as lump sum only.
- Premium payment towards CI Benefit will cease after payment of Critical Illness Benefit. Critical Illness benefit is payable as Lump Sum only, on first occurrence of any of the covered 35 critical illnesses.
Why Flexi e-Term is perfect for you?
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Why choose DHFL Pramerica?
DHFL Pramerica Life Insurance Company Limited is one of the fastest growing life insurance companies in India headquartered in Gurgaon, India. We provide a wide range of life insurance solutions for individuals as well as groups that take care of customers various financial needs such as securing their child’s future, retirement plans, saving, and wealth creations.
as of March 18
Data as on 31st Jan 2018
