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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

Term Life Insurance Premium Calculator

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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

  • Budget-friendly plans

    I recently bought the Pramerica Life Term Insurance Policy from the InsuranceDekho website. The best part is that there is a plan for everyone depending upon individual’s needs and requirements, I am glad that I was able to find a plan which is as per my budget but without compromising on the features. 

    R
    Ritu Chabbaria
    On: Apr 18, 2023

  • Was reminded on time

    The InsuranceDekho website has a feature that reminds you automatically once your plan is about to expire. When my Pramerica Life Term Insurance Policy was about to expire, I got an automatic reminder which saved me a great deal of time. It is very useful in itself. 

    S
    Sai Bajaj
    On: Apr 13, 2023

  • 5 minutes of policy issuance

    It hardly took 5 minutes for the Pramerica Life Term Insurance plan to be issued on InsuranceDekho. As the team had already explained the process, it was easy for me to understand and quickly buy the Exide Life Smart Term Pro plan from InsuranceDekho.

    H
    Harsh Sharma
    On: Apr 11, 2023

  • Happy with the decision:

    I purchased the Pramerica Life Term Insurance Policy a few years ago from InsuranceDekho and have been very happy with it. The premiums are affordable, and the coverage amount is sufficient to provide for my family if something were to happen to me. I highly recommend term insurance to everyone. 

    I
    Ira Khan
    On: Apr 06, 2023

  • Plans as per your requirements

    The InsuranceDekho website has many personalized insurance plans. I bought a  Pramerica Life Term Insurance I was very happy to see that the plan was quite flexible and was personalized as per my requirements. Would recommend it to anyone who is looking for a customized plan.  

    H
    Harsh Garg
    On: Mar 28, 2023

  • Time-convenient

      I purchased the Pramerica Life Term Insurance from the InsuranceDekh website. It took me only a few minutes to purchase the term plan and the entire process was digital, convenient, and very time-saving. It was a good first experience with InsuranceDekho. 

    M
    Madhulika
    On: Mar 24, 2023

  • Good-to-go plan

      The Pramerica Life Term Insurance Plan that I bought from the InsuranceDekho website is a good term insurance plan because it has amazing features and benefits. I am happy that I bought this plan and would recommend this to all. This plan is quite affordable and provides good coverage. 

    M
    Manu
    On: Mar 22, 2023

  • Read some amazing content

      The InsuranceDekho website is flooded with amazing content. While buying the Pramerica Life Term Insurance policy, I came across a lot of knowledgeable content on their website that enhanced my knowledge to a much extent. 

    R
    Ruma Kapoor
    On: Mar 17, 2023

  • Bought a good term plan

    Pramerica Life U-Protect plan is an amazing plan and I am very thankful to InsuranceDekho for providing me such a good term plan that not only fits in my budget but also fits all my requirements. I was able to purchase this plan without any hassle within a few minutes. I am genuinely happy and impressed with InsuranceDekho. Thanks to the team!. 

    N
    Niharika Verma
    On: Feb 21, 2023

  • The easy claim settlement process

    I filed a claim on the InsuranceDekho website since I was secured with the Pramecia term plan. The process was quick and easy. I got my claim settled in very little time. Thanks to the team for their guidance and assistance. 

    M
    Manya Kaur
    On: Feb 14, 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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