Your saving shield with guaranteed benefits and life cover
Get income tax benefit
Flexible payout structure
UIN:140N077V03
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.
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.
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.
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.
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
Age at Entry
Minimum
91 days
Maximum
60 years
Maturity Age
18 years
102 years
Premium Payment Term (PPT)
5 | 8 | 10 | 12 years
Income Period
10 | 15 | 20 | 25 years
Policy Term (PT)
15 years
42 years
Deferment Period
0 to 5 years Under Plan option 1 (Income option), Life assured with age > 55 years would be allowed to choose minimum deferment period of 2yrs.
Instalment Premium
Mode
Annual
Rs. 12,000
Semi-Annual
Rs. 6,000
Quarterly
Rs. 1000
minimum premium is as follows:
Under 5 pay for ages > 55 years
Rs. 75,000
Rs. 37,500
Rs. 6,250
No limit, as per Board Approved Underwriting Policy
Premium Payment Mode
Monthly
50 years
Maturity age
65 years
Premium paying term
0 to 5 years
Income period
10 | 15 years
20 years
Minimum Installment Premium
Corresponding to maximum Sum assured of Rs. 25 lacs on Death.
Band
Premium Band
Band 1
12,000 to 49,999
Band 2
50,000 to 74,999
Band 3
75,000 to 1,49,999
Band 4
1,50,000 & above
84 years
NA
For PPT 5 years: 10 | 12 | 15
For PPT 8 years: 12 | 15 | 18
For PPT 10 years: 15 | 18 | 20
For PPT 12 years: 18 | 20
Brochure
T&C Guaranteed Return on Wealth (Non-POS) Download
T&C Guaranteed Return on Wealth (POS) Download
Guaranteed Survival Benefit & Loyalty Addition Rates Download
CUSTOMER INFORMATION SHEET POS Download
CUSTOMER INFORMATION SHEET NON-POS Download
Ideal for receiving regular income payouts during the term instead of one lump sum in the end
Ideal for receiving regular income during the policy term along with a lump sum amount at the end of the policy term
Ideal for if you wish to take all the proceeds under the policy in one 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
Individual death claims settled and reported in public disclosures for FY 2023-24
As reported in Annual Report for FY 2023-24
As on September 2023
We are happy to help you. Talk to our expert and choose the right plan as per your needs.
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