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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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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
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
| 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 |
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.
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
Note: Check all the best term insurance plan in India.
Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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