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Pramerica Life Term Insurance User Reviews

103 reviews Rate This
Pramerica Life Term Insurance
Highlights
Claim Settlement Ratio98.61%
Customer CareMon to Sat 9:30 AM to 6:30 PM
Death Benefit Paid For560 Policies
Inception2013
Presence138 Offices
Total Death Benefit Paid22.44 Crore

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Choose required coverage to secure your family’s future

50L
1Cr
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2Cr
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
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.51%
Starting From ₹ 682/Month
Claim Settlement
Key Features:
  • Right Green Tick Zero Cost Benefit
  • Right Green Tick Terminal Illness
  • Right Green Tick Nominee's Choice payout
  • Right Green Tick Voluntary Top Up
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹95.28%
Starting From ₹ 812/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Waiver of Premium on Disability
  • Right Green Tick Terminal Illness
  • Right Green Tick Life Stage Benefit
  • Right Green Tick Special Exit Benefit
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.39%
Starting From ₹ 771/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Terminal illness
  • Right Green Tick Special Exit - Option to get your premiums back
  • Right Green Tick Renewability Option
See More Plans
Rating of Pramerica
4.9
Based on
103 User reviews

  • 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.

    I
    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. 

    N
    Nupur Goel
    On: Jun 29, 2023

  • Clear communication

    I recently had an experience with InsuranceDekho while purchasing the Pramerica Life Term Insurance Policy that left me feeling incredibly grateful for the peace of mind that comes with knowing you are in good hands. From start to finish, they were professionals, communicative, and efficient, and I felt completely confident in their ability to handle my needs.

    P
    Poonam Gulati
    On: Jun 26, 2023

  • The claim was settled on time

    I am glad that I bought the Pramerica Life Term Insurance Policy from InsuranceDekho as everything with them is so much easy. When I had to raise a claim against the plan on InsuranceDekho, I was easily able to do so. I even sought help from the team of InsuranceDekho for further clarity about the process.

    S
    Shiridhar Gulati
    On: Jun 22, 2023

  • Educational Resources for Informed Decision-Making

    One of the standout features of InsuranceDekho is  the abundance of educational resources provided to its customers. They go above and beyond to ensure that policyholders have access to valuable information to make informed decisions about their coverage. This helped me to make the right choices for their insurance needs and I bought the Pramerica Life Term Insurance Policy for myself.

    D
    Dhruv Bajpai
    On: Jun 19, 2023

  • Family-Oriented Policy

    The Pramerica Life Term Insurance Policy from InsuranceDekho is truly family-oriented, placing a strong emphasis on protecting your loved ones. The policy allows for multiple beneficiaries and offers flexibility in choosing how the benefit is distributed. It is good to know that your family's financial well-being is taken care of, even in your absence.

    S
    Shayla Ameen
    On: Jun 12, 2023

  • The plan was reasonably priced

    I decided to buy the Pramerica Life Term Insurance Policy as this plan matched my budget expectations. I used the online term calculator to calculate the premium for this amazing term plan

    M
    Madhuri Dubey
    On: Jun 08, 2023

  • Top insurance companies listed

    The InsuranceDekho website has a list of top insurance companies which helps one to choose the best one. After viewing all of them, I decided to go with the  Pramerica Life Term Insurance Policy. The plan has all the necessary features and benefits that one expects from a good life cover. Happy with the purchase.

    F
    Farruq Shaikh
    On: Jun 05, 2023

  • Could connect with customer care easily

    I bought the Pramerica Life Term Insurance Policy from InsuarnceDekho 2 years ago and even today if I have any questions, they provide all the guidance. I am impressed with the WhatsApp communication feature which helped me to get in touch with the customer support team easily. Thanks to the entire team! 

    G
    Gautam Mahapatra
    On: Jun 01, 2023

  • Dedicated team support

    One of my colleagues suggested I buy a term insurance plan from InsuranceDekho for investment purposes. I was initially confused but then I took the help of experts from InsuranceDekho and bought the Pramerica Life Term Insurance Policy with them.

    R
    Ronit Patel
    On: May 30, 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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FAQs

  • 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.

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