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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
1.5Cr
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

  • Excellent customer support

    The team of InsuranceDekho provided excellent customer support when I was buying the Pramerica Life U-Protect plan from InsuranceDekho. They guided me throughout the process and were available to answer my questions at any point of the day. 

    J
    Juhi Chabbra
    On: Aug 04, 2022

  • Effective communication

    It is no doubt that the team of InsuranceDekho ensured that I was provided with an effective flow of information. The communication was smooth and there was no discrepancy when I was buying the Pramerica Life U-Protect plan from InsuranceDekho. 

    P
    Pragya Tiwari
    On: Jul 27, 2022

  • Multiple modes of payment

    The good part about buying a term plan from InsuranceDekho was that there were multiple payment modes available on the website. That’s why I chose the convenient payment mode and bought the Pramerica Life U-Protect plan directly from InsuranceDekho. 

    T
    Tanu Chaudhary
    On: Jul 26, 2022

  • Online term calculator

    With the feature of the online term calculator available on InsuranceDekho, I calculated the premium of all the available term plans. So, finally, I bought the Pramerica Life U-Protect plan as the premium for this plan met my budget. 

    S
    Suhani Ghosh
    On: Jul 25, 2022

  • One of the most reliable companies for settling claims

    I chose to buy - from InsuranceDekho as it is one of the best companies for settling claims. As the claim settlement process was equally good, I was happy that I bought the Pramerica Life U-Protect plan from InsuranceDekho and nowhere else.

    R
    Riti Sahay
    On: Jul 22, 2022

  • The process was completed on time

    There were only a few steps involved in buying the Pramerica Life U-Protect plan from InsuranceDekho. All of these processes were made simpler and easier and thus the process for buying the Pramerica Life U-Protect plan from InsuranceDekho hardly took five minutes. 

    R
    Rashmi Tiwari
    On: Jul 21, 2022

  • Got a plan according to my needs

    I was suggested to buy the Pramerica Life U-Protect plan from InsuranceDekho many days ago. But, there was no term plan available that could meet my needs fully. That's why when my friend introduced me to the Pramerica Life U-Protect plan and explained its benefits, I bought it instantly.

    M
    Mansi Singh
    On: Jul 19, 2022

  • Bought from a range of available plans

    There were so many term plans available on InsuranceDekho that I was perplexed about which one to buy. But as all the plans were explained in detail, that’s why I first read about all of them and bought the Pramerica Life U-Protect plan from InsuranceDekho. 

    D
    Diksha Singh
    On: Jul 18, 2022

  • My claim was settled on time

    The claim for the Pramerica Life U-Protect plan was settled on time with the help of experts at InsuranceDekho. I just had to submit all the required documents and my claim for the Pramerica Life U-Protect plan got settled in a matter of minutes. 

    D
    Divya Shukla
    On: Jul 15, 2022

  • Has amazing features to offer

    When I was exploring the term plans on InsuranceDekho, I came across the Pramerica Life U-Protect plan. This plan had so many additional features that I bought this plan instantly. 

    A
    Anisha Malhotra
    On: Jul 14, 2022

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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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