Pramerica Term vs Future Generali Term Term Insurance 2026

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Pramerica Term

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Future Generali Term

Rating	Rating 4.6	Rating 4.6
Number of term insurance plans and add-ons	No. of Plans - ❯	No. of Plans 1 ❯
Annual Premiums Collected (2024-25)	Annual Premiums Collected (2024-25) ₹ 2074.43 crores	Annual Premiums Collected (2024-25) ₹ Rs 2510.85 crores
Payout Options	Payout Options Lump sum, monthly, or a combination of both	Payout Options Lump sum, monthly, or a combination of both
Claim ratio	Payout Options 99.18%%	Payout Options 99.78%%
Solvency Ratio	Solvency Ratio 2.33	Solvency Ratio 1.70
Pan India Presence	Pan India Presence 134	Pan India Presence 100+
Riders Available	Riders Available Accelerated Benefit Rider, Waiver of Premium Rider, Children's Term Insurance Rider, Return of Premium Rider, Accidental Death Benefit Rider, Accidental Total and Permanent Disability Rider	Riders Available Accidental Death Benefit Rider, Accidental Total Permanent Disability Protection Rider, Critical Illness Benefit Rider, Accidental Death and Dismemberment Rider.
Inception year	Inception year 2008	Inception year 2006
Complaint ratio per ₹1 crore of premium collected	Complaint ratio per ₹1 crore of premium collected 0.039	Complaint ratio per ₹1 crore of premium collected 0.183
Average claim settlement time	Average claim settlement time 15 days	Average claim settlement time 15 days
Recommended Videos	Pramerica Term Insurance Plans Overview Secure Your Future with Future Generali Term Insurance Plans!

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Types of Future Generali Term Insurance Plans

Every plan currently being sold by Future Generali Term Insurance, shown side-by-side so you can shortlist quickly.

Future Generali Care Plus

Future Generali Care Plus is an affordable term plan offering high coverage and tax benefits, available in Classic and Premier opt... Read More

Unique Features

Death Benefit
Two Plan Options
Accidental Rider

Sum AssuredMinimum Entry Age: 18 Years

Entry AgeMaximum Entry Age: 65 Years

View plan

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Quick Comparison with Other Insurers

Edelweiss Tokio Idbi Federal Reliance Term Sud Life Birla Sun Life Aviva Term Bharti Axa Exide Term Future Generali Term Indiafirst

Edelweiss Tokio Idbi Federal Reliance Term Pramerica Term Sud Life Birla Sun Life Aviva Term Bharti Axa Exide Term Indiafirst

Expert Reviewed

Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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