DHFL Pramerica Life Insurance

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DHFL Pramerica Life Insurance Company

DHFL Pramerica Life Insurance Company Ltd. (DPLI) is basically a joint venture between Dewan Housing Finance Corporation Ltd. (DHFL which is one of the housing finance companies and Prudential International Insurance Holdings, Ltd. (PIIH), a financial services leader headquartered in the U.S. DPLI symbolizes the coming together of two well-known financial services companies with a legacy of business excellence. The life insurance joint venture agreement between the two partners was signed in July 2013.

Life insurance provides safety for life. It makes sure that you are ready to face the different stages of your life. Different plans of life insurance policies prepare you and provide you the required coverage when you need it most.

Importance of life insurance

Life Insurance is still a doubted case for many people as they do not understand the importance of life insurance and several helpful benefits that they will get under a life insurance plans. Starting from providing financial assistance to the insured family till different saving option, life insurance serves all. You don’t know what will happen in future and what circumstance you have to face in the future, so it is better to be ready for the same with the effective life insurance plan. People always think that’s life insurance is only a protection policy, but you are aware of several different investment options. A life insurance plan is a perfect wealth accumulation policy and offers access to liquidity at the appropriate time if you add it to your financial portfolio.

Most of the people usually get confused that how much should they invest in life insurance and different investment options such as bonds, stock, real estate and many other options as well. Life insurance plan refers to be good investment options. It is comparatively affordable, simpler and easy to use. It caters to different needs of a person.

It is totally up to you that which plan you want to buy. You can go for a pure protection plan. It is advisable that you should go for a life insurance plan at an early age, it will help you in saving a lot of money. You can go for the unit-linked insurance plan that offers the benefits of investment and insurance also. You can also secure your child future needs with an effective life insurance policy. It will be there to help you in a hard time as well.

Fixed saving

We all know that a life insurance plan is a protection tool, but apart from that life insurance plan also helps a customer in making savings as well. It will help you in creating a good corpus. It will offer great returns to you.

Deal with multiple needs

The main objective of a life insurance plan is to secure the financial requirement of the insured family in case of his/her demise or permanent disability. A life insurance will serve different needs of a life insurance plan depends upon different stages of life such as the expectation of liabilities, number of dependants, lifestyle and financial goal as well. If you know your needs then it would be easier for you choose the right insurance plan whether it is child’s future needs, daughter's marriage, and post-retirement expenses as well.

Additional benefits

It helps you in getting different tax benefits that can make it a more attractive option.

How much you require?

While there are different options available online, there are few thumb rules as well that will help you in getting the desired plan. The most common and helpful way of calculating a life insurance plan is a to calculate the same at about 20-times of your current annual income.

On searching online, you many get several products that will cater to investment and wealth creating needs of an insured. It offers secure and disciplined savings needs that will offer great insurance options. You must first understand your needs and then search for the best solutions accordingly. DHFL Pramerica Life Insurance Company is the best options tod deal with all form of life insurance needs.

Claim Assistance

The claim is something for which you have invested so far. It is the fruit of your saving that you will get later. It is the most important stage of life and for some people, it is complicated as well. You will be always looking for an easier claim filing process that will offer claim amount asap.It is advisable for you to understand that when you purchase a life insurance plan, you must look for its inclusion and exclusions to get best results. This will help you in clearing confusion as well. DHFL Pramerica Life Insurance Company offers a simple claim filing process and will be there to help you where you need it.

Documents Required For filing Claim

When you are planning to file a claim you must ensure that you have the right documents alongside to avoid any misunderstanding. The claim filing process of DHFL Pramerica Life Insurance Company is very easy and the company carries a good claim ratio so you can trust it for your financial needs.

The death certificate (In case of death)

Original policy documents

ID proof of the beneficiary

Age proof of insured

Discharge form (executed and witnessed)

Medical certificate (as proof for cause of death)

Police FIR (in case of unnatural death)

DHFL Pramerica Life Insurance Plans

DHFL Pramerica Family First protection: This plan supports your family and its future no matter if you are with them or not.
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DHFL Pramerica Family Income plan: IIt is basically a non participating insurance plan. It is a term plan that will support the financial needs of your family in your absence.
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DHFL Pramerica U-Protect: This term plan ensures that your family lives a secure and comfortable life when you are not there to take care of them.
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DHFL Pramerica Future Idols Gold+: Its is basically an endowment plan that provides the required coverage for your child’s future even in your absence.
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DHFL Pramerica Rakshak+ plan: It is designed in a way that ensures child's financial future remains secure.
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DHFL Pramerica Aajeevan Samriddhi: It is a whole life insurance policy which provides dual benefits of insurance and savings as well.
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DHFL Pramerica Flexi Cash: A participating non-linked endowment plan that provides the flexibility to control your policy. It helps you in managing your financial needs as per your requirements.
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DHFL Pramerica Magnum Assure: A non-participating Endowment Insurance plan which provides you double benefits.
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DHFL Pramerica Premier Gain: It is a Participating Non-Linked Endowment Insurance Plan that provides attractive returns and secure your family’s future needs.
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DHFL Pramerica Roz Sanchay: It is a long-term participating savings cum protection plan. It provides dual benefits of savings and protection as well.
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DHFL Pramerica Sahaj Suraksha: It is a long-term participating savings cum protection plan. DHFL Pramerica Smart Assure: A Non-participating Endowment Insurance plan that provides exactly the same what it promises.
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DHFL Pramerica Smart Cash Protect: This policy offers a regular income in the form of annual cash benefits in addition to lump sum payouts .
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DHFL Pramerica Smart Income plan: A non-participating guaranteed annual income plan that assists in customizing future financial needs.
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DHFL Pramerica Smart Money Back: It assists you in achieving your planned goals by providing periodic payouts .
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DHFL Pramerica Smart Wealth+ : A Unit Linked Insurance plan that provides good returns.
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DHFL Pramerica Wealth+ Ace: A single premium Unit Linked Insurance plan that assists you in achieving your goals by creating investment opportunities.
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DHFL Pramerica Group Credit Life+: It is a term group life insurance plan that protects you from the loan liabilities.
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DHFL Pramerica Group Term plan: A renewable term life insurance plan that assists in fighting uncertainties that occur due to death.
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DHFL Pramerica Sarv Suraksha: It is a renewable group term micro-insurance product specially designed for members of Micro Finance Institutions, self help groups, co-operative banks, NGO's or any such similar organizations.
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Contact Address

DHFL Pramerica Life Insurance Company Ltd.
4th Floor, Building No. 9 B, Cyber City, DLF City Phase III,Gurgaon-122002
EMAIL: contactus(at)dhflpramerica(dot)com
Tele-No:1800 102 7070

DHFL Pramerica Life Insurance News

Monday November 30, -0001

‘Knowledge is the best policy’

In a bid to raise awareness about insurance products, DHFL Pramerica Life Insurance Co. Ltd. has rolled out a campaign called ‘Knowledge is the best policy’. Through this campaign the company aims to make people aware of the nitty-gritty involved in buying insurance plans. The campaign is not just developed to boost sales. It is

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Tuesday May 20, 2014

DHFL Pramerica achieves break even in 6 years

Private life insurance company DHFL Pramerica Life Insurance managed to achieve break-even in the fiscal year 2013-14. It was the sixth year the company came into existence. The company recorded a phenomenal growth of 29 per cent in the gross premium collection, during this year. Recording a premium collection to the tune of Rs 306

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Thursday May 22, 2014

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