Beat the Uncertainties of Life with Guaranteed Return on Wealth

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.

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Why choose this plan

Guaranteed 1 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 full

Guaranteed 2 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 full

Tax-Deferred 3 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 advisor

Learn more about the plan

1

Choose the plan option

2

Choose the Premium and for how long you wish to pay

3

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

Eligibility

Age at Entry

Minimum

91 days

Maximum

60 years

Maturity Age

Minimum

18 years

Maximum

102 years

Premium Payment Term (PPT)

5 | 8 | 10 | 12 years

Income Period

10 | 15 | 20 | 25 years

Policy Term (PT)

Minimum

15 years

Maximum

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

Minimum

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

minimum premium is as follows:

Under 5 pay for ages > 55 years

Annual

Rs. 75,000

Semi-Annual

Rs. 37,500

Quarterly

Rs. 6,250

Instalment Premium

Maximum

No limit, as per Board Approved Underwriting Policy

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

POS

Age at Entry

Minimum

91 days

Maximum

50 years

Maturity age

Minimum

18 years

Maximum

65 years

Premium paying term

5 | 8 | 10 | 12 years

Deferment Period

0 to 5 years

Income period

10 | 15 years

Policy Term (PT)

Minimum

15 years

Maximum

20 years

Instalment Premium

Mode

Minimum Installment Premium

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

Maximum

Corresponding to maximum Sum assured of Rs. 25 lacs on Death.

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

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

Age at Entry

Minimum

91 days

Maximum

60 years

Maturity Age

Minimum

18 years

Maximum

102 years

Premium Payment Term (PPT)

5 | 8 | 10 | 12 years

Income Period

10 | 15 | 20 | 25 years

Policy Term (PT)

Minimum

15 years

Maximum

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

Minimum

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

minimum premium is as follows:

Under 5 pay for ages > 55 years

Annual

Rs. 75,000

Semi-Annual

Rs. 37,500

Quarterly

Rs. 6,250

Instalment Premium

Maximum

No limit, as per Board Approved Underwriting Policy

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

POS

Age at Entry

Minimum

91 days

Maximum

50 years

Maturity age

Minimum

18 years

Maximum

65 years

Premium paying term

5 | 8 | 10 | 12 years

Deferment Period

0 to 5 years

Income period

10 | 15 years

Policy Term (PT)

Minimum

15 years

Maximum

20 years

Instalment Premium

Mode

Minimum Installment Premium

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

Maximum

Corresponding to maximum Sum assured of Rs. 25 lacs on Death.

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

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

Age at Entry

Minimum

91 days

Maximum

60 years

Maturity Age

Minimum

18 years

Maximum

102 years

Premium Payment Term (PPT)

5 | 8 | 10 | 12 years

Income Period

10 | 15 | 20 | 25 years

Policy Term (PT)

Minimum

15 years

Maximum

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

Minimum

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

minimum premium is as follows:

Under 5 pay for ages > 55 years

Annual

Rs. 75,000

Semi-Annual

Rs. 37,500

Quarterly

Rs. 6,250

Instalment Premium

Maximum

No limit, as per Board Approved Underwriting Policy

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

POS

Age at Entry

Minimum

91 days

Maximum

50 years

Maturity age

Minimum

18 years

Maximum

65 years

Premium paying term

5 | 8 | 10 | 12 years

Deferment Period

0 to 5 years

Income period

10 | 15 years

Policy Term (PT)

Minimum

15 years

Maximum

20 years

Instalment Premium

Mode

Minimum Installment Premium

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

Maximum

Corresponding to maximum Sum assured of Rs. 25 lacs on Death.

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

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

Age at Entry

Minimum

91 days

Maximum

60 years

Maturity Age

Minimum

18 years

Maximum

84 years

Premium Payment Term (PPT)

5 | 8 | 10 | 12 years

Deferment Period

NA

Income Period

NA

Policy Term (PT)

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

Instalment Premium

Mode

Minimum

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

minimum premium is as follows:

Under 5 pay for ages > 55 years

Annual

Rs. 75,000

Semi-Annual

Rs. 37,500

Quarterly

Rs. 6,250

Instalment Premium

Maximum

No limit, as per Board Approved Underwriting Policy

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

POS

Age at Entry

Minimum

91 days

Maximum

50 years

Maturity age

Minimum

18 years

Maximum

65 years

Premium paying term

5 | 8 | 10 | 12 years

Deferment Period

NA

Income period

NA

Policy Term (PT)

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

Instalment Premium

Mode

Minimum Installment Premium

Annual

Rs. 12,000

Semi-Annual

Rs. 6,000

Quarterly

Rs. 1000

Instalment Premium

Maximum

Corresponding to maximum Sum assured of Rs. 25 lacs on Death.

 

Premium Payment Mode

Mode

Annual

Mode

Semi-Annual

Mode

Monthly

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

 

Downloads

Brochure

Download

T&C Guaranteed Return on Wealth Download

Download

T&C Guaranteed Return on Wealth (POS) Download

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?

99.18% Claim Settlement Ratio

Individual Death Claim Paid Ratio as per audited financials for FY 2024-25

134 Branches PAN India

As reported on Mar 2025

Over 5.2 Million Lives Secured

As on September 2023

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Disclaimer:

This product provides Life Insurance coverage. Pramerica Life Guaranteed Return on Wealth UIN: 140N077V02. Goods & Service Tax and applicable cess will be charged over and above the quoted premium. This plan offers guaranteed benefits provided the policy is in force and all due premiums are paid in full.