Pramerica Life Guaranteed Return On Wealth Plan

Your saving shield with guaranteed benefits and life cover

  • taxBenefit Get income tax benefit

  • flexiblepayout Flexible payout structure

Beat the Uncertainties of Life with
Guaranteed Return on Wealth


Presenting Pramerica Life Guaranteed Return on Wealth, a life insurance plan with guaranteed benefits. With this, you can pursue dreams for yourself and your loved ones with the reassurance of a life cover and a guaranteed future.

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Why choose this plan

Guaranteed1 Income

Get guaranteed Annual payouts during the Payout Period after completion of Policy Term

This plan offers guaranteed benefits provided the policy is in force and all due premiums are paid in full1.

Guaranteed2 Benefit

Guaranteed income and life insurance coverage during the entire policy term

This plan offers guaranteed benefits provided the policy is in force and all due premiums are paid in full2.

Tax-Deferred3 Growth

Grow your wealth faster by not paying taxes on your earnings until you withdraw them

Tax Benefits may be available as per the applicable laws as amended from time to time. Tax laws are subject to change, please consult a tax advisor3.

Learn more about the plan


Choose the plan option


Choose the Premium and for how long you wish to pay


Basis the chosen plan option choose your Deferment Period, Income Period, Income Payout Frequency and Policy Term

Eligibility Criteria

Age at entry


91 days


60 years

Maturity age


18 years


102 years

Premium paying term

5 years

8 years

10 years

12 years

Income period

10 years

15 years

20 years

25 years

Policy term


15 years


42 years

Premium payment frequency


Semi Annual





T&C Guaranteed Return on Wealth Download

T&C Guaranteed Return on Wealth (POS) Download

Guaranteed Survival Benefit & Loyalty Addition Rates Download

Choose your plan option

Income Plan

Ideal for receiving regular income payouts during the term instead of one lump sum in the end

Income + Lumpsum Plan

Ideal for receiving regular income during the policy term along with a lump sum amount at the end of the policy term

Lumpsum Plan

Ideal for if you wish to take all the proceeds under the policy in one lump sum

Income with High Lump-sum

Ideal to receive regular income during the policy term to meet your liquidity requirement along with a bigger lump sum amount at the end of the policy term

Why choose Pramerica Life Insurance

99.06% Claim Settlement Ratio

Individual death claims settled and reported in public disclosures for FY 2023-24

137 Branches PAN India

As reported in Annual Report for FY 2023-24

Over 5.2 Million Lives Secured

As on September 2023

Need assistance?

We are happy to help you. Talk to our expert and choose the right plan as per your needs. 

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Unshakeable life insurance products tailored for your needs 

Pramerica Life
Super Investment Plan
  • Benefit from Zero premium allocation charge in all years
  • Return of Mortality & Waiver of Premium Charges on survival till the end of the Policy Term
Pramerica Life
Cancer + Heart Shield
  • Covers different stages of Cancer and Heart conditions
  • Monthly Income payable as recuperation benefit to meet your needs.
  • No need to pay any premium from the date of first claim for next 3 Policy years
Pramerica Life
Rakshak Smart
  • Flexibility to choose from two plan options
  • Flexible Premium Payment Modes
  • Comprehensive death benefit in Enhanced Life Option

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Disclaimer: Please know the associated risk and applicable charges from your insurance agent or the intermediary or policy document of the insurer