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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
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+All savings provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.
