Supercharge your savings with Wealth Maximiser plan

UIN:140L060V03

Take care of your family's planned and unplanned needs with Pramerica Life Wealth Maximiser. This plan offers multiple options of sum assured based on your age at entry to let you enjoy the benefit of choosing an adequate life cover as per your protection needs.

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Features of a Wealth Maximiser plan

Protection

Enjoy the benefit of choosing an adequate life cover based on your desired level of protection from multiple options of sum assured basis your age at entry.

Get rewarded

Get rewarded on opting for longer term through Persistency Units and Wealth Boosters at specific intervals to augment your fund value.

Flexibility

Flexibility to choose from Single, Regular or Limited Premium Payment tenures.

Manage your funds

Option to actively manage your funds depending upon market conditions with Defined Portfolio Strategy.

Reduced charges

Get the benefits of reduced charges on opting higher premium amounts.

Avail systematic transfer plan

Avail Systematic Transfer Plan to systematically transfer your money from Liquid Fund to your chosen funds every month.

Benefits of buying a Wealth Maximiser plan

Avail additional benefits while enjoying the peace of mind knowing that your loved ones are financially protected and also having the potential to earn higher returns on your investments

Death benefit

In case of an unfortunate demise of the Life Insured during the Policy Term, the Policy will pay Death Benefit which is higher of

  1. Sum Assured* including Top-Up Sum Assured, if any or
  2. Fund Value, including Top-Up Fund Value, if any, or
  3. 105% of total Premium paid including Top-Up premiums, if any.

Where, Sum Assured is defined as multiple of Annualized Premium / Single Premium as opted at inception of policy.
*Sum Assured will be reduced to the extent of partial withdrawals made in the last 2 years immediately preceding the date of death. The partial withdrawal made from the top-up premium shall not be reduced for this purpose.

On survival of the Life Insured till maturity date and subject to Policy being in-force for full risk benefits, the Policy will pay the Fund Value including Top-Up fund value, if any, to the Policyholder.
Death cover chosen will cease on Maturity.

The Policy will acquire surrender value from the first Policy year but it becomes payable only after completion of "lock-in period" which is a period of 5 consecutive Policy years from the date of commencement of the Policy.
The surrender value will be the value of units less discontinuance (or surrender) charges, if applicable.

As a reward for continuing your policy, Persistency units equal to 0.50% of the average of Fund Value including Top-Up Fund Value of preceding 36 monthiversaries would be allocated to the Policyholder's unit account at the end of every policy year, starting from sixth policy year provided monies are not in Discontinuance Fund and all due premium has been paid under the policy.
No Persistency Units would be given to policies sold online

Wealth Boosters

Wealth Boosters would be allocated as extra units at the end of every fifth policy year, starting from the end of tenth policy year. Wealth Booster as a percentage of average fund value including Top-up Fund Value of preceding 36 monthiversaries would be allocated to the policyholder's unit account at the end of 10th, 15th, 20th, 25th and 30th policy anniversaries, if they fall within the policy term.

Policy Anniversary Policy Anniversary
Band 1 Band 1 Band 1
10th 1.00% 1.25% 1.50%
15th 1.25% 1.75% 2.00%
20th 1.50% 2.25% 2.50%
25th 1.75% 2.75% 3.00%
30th 2.00% 3.25% 3.50%

          To boost your savings, you can pay additional Top-Up Premiums over & above the base premium as long as all due premium till date has been paid, subject to following conditions:

  1. Top-Up premiums are allowed at anytime during the policy term, except during last 5 years of Policy Term
  2. Each Top-Up premium will be invested in separate Top-Up account with a 5 year’s lock-in period from the payment date, except in case of full surrender of the contract
  3. All Top-up premiums made during the Policy Term shall have insurance cover treating them as single premium
  4. The minimum Top-up premium is 5,000. Sum Assured would increase by Top-up Sum Assured after availing a Top-up facility

Within Defined Portfolio Strategy, you can switch your investments within the available funds, depending on your financial priorities and investment decision. There are no switching charges or restriction on number of switches during entire policy term. The minimum switch amount is Rs 5000 unless 100% of the fund is switched.

Within the Defined Portfolio Strategy, you have the flexibility to change the proportion of Premium that is invested in different funds by giving advance notice to the Company of at least 15 days before exercising this option. All Regular Premium or Top-Ups received after this date will be invested as per the revised mandate till the Policyholder does not change the same. Premiums, however, cannot be redirected to liquid fund. In case you select more than one fund, at least 1% of the allocated Premium should be invested in each fund. There are no Premium Redirection charges or restrictions on the number of redirections during the entire policy term. This feature would not be applicable for single premium payment policies.

 

Learn more about the Wealth Maximiser plan

1

Choose policy term from 5 years to 30 years, as per your age at entry

2

Pay the premium from option of paying limited, regular or single pay

3

Choose your sum assured from a variety of cover multiples available under the plan

Eligibility

Age at entry

Minimum

91 days

Maximum

60 years

Maturity age

Minimum

18 years

Maximum

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

Minimum

15 years

Maximum

42 years

Premium payment frequency

Annual

Semi Annual

Monthly

 

Downloads

Brochure

Download

Policy Schedule and T & C

Download

Customer Information Sheet

Download

Choice of investment strategies

Choose an investment strategy of your choice to make the most of your plan

Under this option, you can opt to invest in any of the funds as available (except Discontinued Policy Fund or Liquid Fund) in proportions of your choice

  • 1

    Look at the investment objectives of each of our funds

  • 2

    Match funds with your investment goals

  • 3

    Decide the proportion of money you would like to invest

Low Risk
Debt fund

Generate steady return at lower risk by investing in a range of debt securities.

Asset allocation

‌Government securities: 50% to 100%

‌ ‌

‌‌Corporate bonds: 0% to 30%

‌ ‌

‌‌Money market/cash: 0% to 40%

‌ ‌
High Risk
Balance fund

Generate balanced return by investing in debt securities to provide stability and by investing in equities to provide potential to enhance the return through capital appreciation.

Asset allocation

‌Government securities: 50% to 100%

‌ ‌

‌‌Corporate bonds: 0% to 30%

‌ ‌

‌‌Money market/cash: 0% to 40%

‌ ‌
High Risk
Growth fund

To generate higher return through capital appreciation in the long term by investing in a diversified portfolio of equities. Debt investment will provide a little stability and diversification.

Asset allocation

‌Equity: 40% to 80%

‌ ‌

‌Government securities: 10% to 30%

‌ ‌

‌Corporate bonds: 0% to 30%

‌ ‌

‌Money market/cash: 0% to 40%

‌ ‌
Medium Risk
Balanced Equilibrium Fund

Generate stable returns from a prudent combination of equity and fixed income investment with the possibility of increasing the fixed income contribution to 35%.

Asset allocation

‌Equity and Equity Related Instruments: 65% to 75% Govt

‌ ‌

‌Security / Corporate bonds / Money Market Instruments: 25% to 35%

‌ ‌
High Risk
Growth Momentum Fund

Generate superior long-term returns from a diversified portfolio of equity and debt securities. The fixed income allocation can be increased to 25% depending upon market conditions to afford stability to the fund.

Asset allocation

‌Equity and Equity Related Instruments: 75% to 85% Govt.

‌ ‌

‌Security / Corporate bonds / Money Market Instruments: 15% to 25%

‌ ‌
High Risk
Large Cap Advantage Fund

To generate long-term capital appreciation from investment in large cap stocks which are constituents of the Nifty 100, subject to the regulatory limits on investee companies, their groups and industry sectors with the objective of beating the respective benchmark returns. The fund will have the flexibility of moving into fixed income instruments to the extent of 15% during more volatile periods.

Asset allocation

‌Equity and Equity Related Instruments: 85% to 100% Govt.

‌ ‌

‌Security / Corporate bonds / Money Market Instruments: 0% to 15%

‌ ‌
High Risk
Flexi Cap Opportunities Fund

Dynamic capital appreciation through diversified investments in companies across the market capitalisation spectrum. The fund will have the flexibility of moving into fixed income instruments to the extent of 15% during more volatile periods.

Asset allocation

‌Equity and Equity Related Instruments: 85% to 100% Govt

‌ ‌

‌Security / Corporate bonds / Money Market Instruments: 0% to 15%

‌ ‌
High Risk
Pramerica Nifty Mid Cap 50 Correlation Fund

To invest in equity and equity oriented instruments in order to generate returns that closely correspond to the returns of the Nifty Mid Cap 50 Index, subject to tracking errors. The fund would invest in securities that form part of the NIFTY Mid Cap 50 Index to achieve high correlation with the Index within the regulatory framework permitted.

Asset allocation

‌Equity & equity oriented instruments: 90-100%

‌ ‌

‌Money Market Instruments: 0-10%

‌ ‌
High Risk
Large Cap Equity Fund

To generate higher return through capital appreciation in long term from a portfolio invested predominantly in large cap equities.

Asset allocation

‌Equity: 60% to 100%

‌ ‌

‌Money Market/cash: 0% to 40%

‌ ‌
High Risk
Multi Cap Opportunities Fund

To generate capital appreciation for policyholders by dynamically investing across assets to capitalize on changing market conditions. The scheme aims to invest primarily in equities and to mitigate market volatility, in fixed income securities, including money market instruments. The investments will be market capitalization agnostic and will focus on growth oriented opportunities.

Asset allocation

‌Equity: 50%-100%

‌ ‌

‌Govt. Securities: 0% to 30%

‌ ‌

‌Corporate Bonds: 0% to 30%

‌ ‌

‌Money Market Instruments/Cash: 0% to 50%

‌ ‌

Considering the ever changing financial needs as per the different life milestones, we offer a life stage based investment strategy wherein the investments are distributed between Large Cap Equity Fund and Debt Fund with their proportions varying as per the different life stages. At inception the funds will be distributed between two funds, Large Cap Equity & Debt Fund. As and when the next milestone is achieved, the funds will be re-distributed according to the attained age (age bands) as illustrated below.

 
  • Large cap equity fund
  • Debt fund

Need assistance?

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

I hereby authorise Pramerica Life to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.
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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 Wealth Maximiser UIN: 140L060V03. This material gives the salient features of the product. For more details on risk factors and terms & conditions including policy exclusion, please refer to the detailed plan brochure and policy terms and conditions before concluding a sale. Goods & Service Tax will be charged over and above the quoted premium. Tax Benefits may be available as per the applicable laws as amended from time to time.