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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

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Minimum Premium amount is 3000

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
Terminal Illness
Accidental Death Cover
Critical Illness
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Life-Cover

Life Cover

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X X
X X
X X
/ Year
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Life-Boost

Life Boost

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X X
X X
/ Year
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Life-Smart-Step-Up

Life Smart Step up

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X X
/ Year
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Life-Health-Hike

Life Health Hike

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X X
/ Year
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Life-Total

Life Total

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/ Year
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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.

Accidental Death Benefit is an additional benefit. An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.

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.
Accidental Death Benefit is an additional benefit. An accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.

Why Flexi e-Term is perfect for you?

Affordable Premium
Flexibility to choose from 5 different protection options
Extended coverage with a lump sum payout upon diagnosis
Option to enhance your life cover at important milestones
Flexibility in benefit payouts as Level or increasing; lump sum or staggered
Maximum coverage for maximum protection
Avail Tax benefits as per prevailing tax laws
Flexi e-Term in a nutshell

Age info

Min

18YRS

Max

65YRS
Regular Pay 
50YRS
Limited  

Premium Paying Term

Min

10YRS

Max

Till the age of 75YRS
Regular Pay 
Till the age of 60YRS
Limited  

Policy Term

Min

10YRS

Max

75YRS - ENTRY AGE

Maturity Age

75YRS

Premium Paying Mode

Annually
Monthly

Base Sum Assured

MIN. 25 LAKHS
Regular Pay: Pay for the entire policy term
Limited: Pay till attainment of age 60

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.

Claim Paid Ratio
97 %
FY 2017-2018
Branches
126
Assets Under Management
3701.78 Cr.
Sum Assured: Individual
9,008 Cr.
Solvency Ratio
552%

as of March 18

Data as on 31st Jan 2018

Disclaimers

DHFL Pramerica Life Insurance Company Limited.

This product provides life insurance coverage. DHFL Pramerica Life Flexi e-term UIN: 140N055V01. GST as applicable will be charged over and above the quoted premium. For more details on risk factors and terms & conditions including policy exclusion, please refer to the detailed plan brochure and policy terms and conditions available on our corporate website www.dhflpramerica.com before concluding a sale. Registered Office and Communication Address: 4th Floor, Building No. 9, Tower B, Cyber City, DLF City Phase III, Gurgaon - 122002, Haryana. IRDAI Registration No. 140. CIN: U66000HR2007PLC052028. Customer Service Helpline (Toll Free) 1800 102 7070, Email: contactus@dhflpramerica.com. The DHFL and Pramerica Marks displayed belong to ‘Dewan Housing Finance Corporation Limited’ and ‘The Prudential Insurance Company of America’ respectively and are used by DHFL Pramerica Life Insurance Company Limited under license.

Version: FET/W-ENG/17/JUL/V1

BEWARE OF SPURIOUS / FRAUD PHONE CALLS!
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