Page 15 - LIFE INSURANCE TODAY Novemver 2017

DHFL Pramerica

Aajeevan Samriddhi

from DHFL Pramerica Life

Insurance Company Limited

Introduction Benefits
DHFL Pramerica Aajeevan Samriddhi The following benefits will be paid in case of death, survival or maturity, provided
is a whole life participating insurance the policy is in force for full risk benefits as on the date of benefit payment.
cum savings plan. It provides financial
protection till your 99th year of age Death Benefit: The benefit will be paid on the unfortunate demise of the
along with a corpus at age 65, so that life insured
you can provision for your post Demise within Demise after Demise after
retirement expenses. 5 policy year 5th policy year age 65
till attaining till age
Key Features age 65* 99*
Whole Life Cover till you are 99 Basic Death Benefit YES YES YES
years of age, irrespective of your age Accrued Guaranteed YES YES
at the time of policy inception Additions

Increasing Protection where death Accrued Reversionary YES
benefit increases to keep pace with Bonuses plus
your age to account for increasing Final Bonus (If any) YES YES
family responsibilities
Wealth Accumulation: *Age as on last birthday as on last Policy anniversary.
Guaranteed Additions are accrued for where basic death benefit is:
initial 5 years of the policy Policy Basic Death Benefit Basic Death Benefit
Bonus accrue from the 6th year of Year (For PPT 15 years) (For PPT 20 years)
the policy till Policyholder attains age 1 - 10 Max of (11 * Annual Premium) Max of (11 * Annual Premium)
65 or Basic Sum Assured or Basic Sum Assured
Survival Benefit comprising of 11 – 15 Max of (16 * Annual Premium) Max of (16 * Annual Premium)
Accrued Reversionary Bonuses and or Basic Sum Assured or Basic Sum Assured
accrued Annual Guaranteed Additions 16 + Max of (16 * Annual Premium) Max of (22 * Annual Premium)
are paid at age 65 or Basic Sum Assured or Basic Sum Assured
Maturity Benefit comprising Basic
The Annual premium shall be the premium payable in a year chosen by the
Sum Assured and Final Bonus payable policyholder, excluding the underwriting extra premiums and loadings for
at age 99.
modal premiums, if any
Convenient Premium payment option
of 15 or 20 years for a protection till Survival Benefit: This benefit will be paid when the life insured attains
age 99. age 65 years (as on the last birthday)

Life Insurance Today November 2017 15

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