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Pramerica Life Term U-Protect Plan

Pramerica Life Term U Protect Plan is a comprehensive term plan for people looking for high coverage of Rs 25 Lacs or more. This is a pure-term plan with lifestyle benefits. 

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Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
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The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
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In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

Key Features of Pramerica Life Term U-Protect Plan

  • Minimum sum assured of Rs 25 lacs or more

  • Pure Term Plan with only death benefit and no maturity benefit

  • Plan offers a premium discount for

    • Non-smoker

    • Healthy lifestyle

    • High Sum Assured

    • Female Lives

Benefits of Pramerica Life Term U-Protect Plan

  • In case of death of the life insured within the policy tenure, the Sum Assured is paid to the nominee as death benefit and the policy terminates and nothing further is payable

  • Income tax benefit on the premium paid as per Section 80C of the Income Tax Act

Product Specification:

Parameters  Minimum Maximum
Entry Age (Last Birthday) 18 55
Maturity Age (Last Birthday) 28 65
Policy Term (PT) in years 10 30
Premium Paying Term (PPT) in years Till the end of the policy tenure
Premium Paying Frequency Semi-Annually Annually
Yearly Premium Rs 4000 No Limit. It is as per the underwriting criteria
Sum Assured Rs 25 Lacs No Limit. It is as per the underwriting criteria

Details About Premium

Annual premium in Rupees, exclusive of tax

Policy Term: 20 Years

Sum Assured: Rs 50 Lacs

Male-Non-Smoker Female Non-Smoker Male Smoker
35 years 7750 6200 11700
45 years 17600 12800 30450

Grace Period: 15 days grace period is allowed for payment of premium under monthly mode and 30 days for other modes. If the policyholder fails to make payment within the grace period, the policy lapses

Policy Termination or Surrender Benefit: There are no surrender or termination benefits available in this plan as this is a pure term plan

Free Look Period: If you would not be pleased with the coverage and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof and other KYC documents. A medical examination may be required in some cases, based on the sum assured and the age of the person according to their medical grid

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