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Product Information
Saving And Investment Plans DHFL Pramerica Smart Cash Protect
Synopsis:
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DHFL Pramerica Smart Cash Protect is a participating endowment cum insurance plan. It is an all-in-one plan that has been designed to take care of your regular as well as long term expenses. This plan provides a regular stream of income in the form of annual cash benefits in addition to lump sum payouts .

Features:

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  • Survival Benefit Reversionary Bonus accrued during the initial 15 years paid at the end of the 15th Policy year
  • Guaranteed Income Get Annual Payout equal to 6% of the Sum Assured from the 16th policy year onwards until the end of the policy or death, whichever is earlier
  • Bonus Income In addition to Guaranteed Income, get Additional annual payout of bonus income every year from the 16th Policy year and onwards until death or maturity whichever is earlier
  • Maturity Benefit 50% of the Sum Assured plus Final Bonus (if any)
  • Limited Premium Payment options of 12, 15 or 20 years based on your savings horizon

Benefits:

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  • Death Benefit
  • Survival Benefit
  • Bonus Income
  • Guaranteed Income
  • Maturity Benefit
  • Final Bonus (if any)

Highlights:

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  • To create a corpus for important milestones such as your retirement and to take care of recurring expenses
  • To ensure that your family remains financially independent and their dreams continue to be fulfilled
Eligibility:
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Age at entry 12 Years 15 Years 20 Years
Minimum 23 Years 20 Years 18 Years
Maximum 55 Years 55 Years 50 Years
Policy Term 70 – Age at entry 75 – Age at entry 85 – Age at entry
Policy Term – Minimum 30 years 35 years 40 years
Policy Term – Maximum 47 years 55 years 67 years
Maximum Maturity Age 85 years 90 years 90 years
Premium Paying Term 12 Years 15 Years 20 Years
Premium Paying Mode Annual, Semi - Annual and Monthly
Minimum Premium 12,000
Maximum Premium No limit subject to underwriting
Minimum Sum Assured 1,25,000
Maximum Sum Assured No limit subject to underwriting