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Home > Insurance Services

Insurance Services

Insurance services by DHFL

At DHFL we understand that our customers’ financial needs extend beyond just owning a home. Recognizing this, we have partnered with DHFL Pramerica Life Insurance to offer our customers life insurance solutions designed to take care of their various financial protection needs such as securing their child’s future, funding for retirement, savings and wealth creation. We don’t just offer these solutions but also guide and enable them to make informed insurance decisions to meet their life’s short term and long term financial goals.

DHFL Pramerica Life Insurance Company Ltd. (DPLI) is a joint venture between Dewan Housing Finance Corporation Ltd. (DHFL), is one of the leading housing finance companies in India and Prudential International Insurance Holdings, Ltd. (PIIH), a fully owned subsidiary of Prudential Financial, Inc. (PFI), a financial services leader headquartered in the U.S. DPLI represents the coming together of two renowned financial services organizations with a legacy of business excellence spread over decades. The life insurance joint venture agreement between the two partners was signed in July 2013.

For further information, please visit: www.dhflpramerica.com

DHFL PRAMERICA FUTURE IDOLS GOLD+
DHFL Pramerica Future Idols Gold+ is a participating endowment plan that takes care of your child’s future even in your absence. The product has been designed to protect your child’s education needs right from school to higher studies.

 

 

DHFL PRAMERICA ROZ SANCHAY
DHFL Pramerica Roz Sanchay is a Limited Pay Non-Participating Guaranteed Endowment Plan. It is a savings cum protection plan that offers guaranteed benefits so that you know at the start of the policy what will be the maturity benefits.

 

DHFL PRAMERICA FLEXI CASH
DHFL Pramerica Flexi Cash is a participating non-linked endowment plan which gives you the flexibility to control your policy. This plan helps you to manage your financial requirement as per you needs.

 

DHFL PRAMERICA SMART CASH PROTECT
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 & Benefits of DHFL Insurance Services

Asset Accumulation:

Smart investment decision is the foundation of your family’s priceless happiness & well being.

Buying your dream house is indeed a proud accomplishment just as few other things that matter as much, like your children getting the best education, your retired days secured with the pride of being financially independent, etc.

We at DHFL prioritize needs over products and hence our tailor-made unique solutions offer Asset Protection coupled with Asset Accumulation.

Need Based Solution:

As a young, newly married couple, your priority could be buying a house. With passage of time it could be saving for education or marriage of your children. As you grow older, planning for Retirement will begin to take precedence.

Clearly, your financial goals change as per your life stage and our tailor-made solutions cater to all such milestones.

The Unique Proposition:

There could be manifold options to plan for milestone needs. Life Insurance is a unique instrument that secures uncertainties and wealth through all milestones.

Let’s work together to secure the priceless smile of your loved ones. We understand your needs and we offer you solutions, not just products.


Insurance Products

DHFL Pramerica Future Idols Gold+

DHFL Pramerica Future Idols Gold+ is a participating endowment plan that takes care of your child’s future even in your absence. The product has been designed to protect your child’s education needs right from school to higher studies.

Why should you take this plan?

  • Helps you save for your child’s future keeping critical milestones in mind
  • Financial security to assist in his continued studies from school to higher education in your absence

Key Features

  • Comprehensive Protection for immediate and future financial needs of the family in case of an unfortunate event
  • Enhanced Death Benefit of Immediate, Recurring and Final Benefit payable in case of unfortunate demise of the life insured
  • Wealth Accumulation through Bonus Additions
  • Convenient Premium Payment Options of either regular or limited premium payment terms

For more details on risk factors and terms & conditions including Policy exclusion, please refer to the detailed plan brochure and policy terms & conditions before concluding a sale

Download Brochure

For further information, please visit: https://dhflpramerica.com/LifeInsuranceProduct/DHFL-Pramerica-Future-Idols-Gold+

Download Brochure – https://dhflpramerica.com/UserFiles/File/Figplus.pdf

DHFL Pramerica Future Idols Gold+: UIN No 140N036V01.

DHFL Pramerica Roz Sanchay

DHFL Pramerica Roz Sanchay is a Limited Pay Non-Participating Guaranteed Endowment Plan. It is a savings cum protection plan that offers guaranteed benefits so that you know at the start of the policy what will be the maturity benefits.

Why should you take this plan?

  • To get assured savings
  • To get assured that your family remains financially protected even in your absence
  • To create a saving corpus for your old age

Key Features

  • Comprehensive Cover: Prevailing Death Benefit along with Accrued Annual Guaranteed Addition (AGAs), payable on the unfortunate demise of the life insured
  • Increasing Protection: Death Benefit increases by 5% of the Base Sum Assured every year
  • Guaranteed Maturity Benefit: 150% of the Base Sum Assured along with Accrued AGAs payable at maturity, is guaranteed at the start of the Policy
  • Limited Premium Payment Term of 12 or 16 years
  • Flexibility to take a loan against the Policy
  • Tax Benefits as per the prevailing tax laws

Download Brochure

For further information, please visit: https://dhflpramerica.com/LifeInsuranceProduct/DHFL-Pramerica-Roz-Sanchay

Download Brochure – https://dhflpramerica.com/UserFiles/File/Roz%20Sanchay%20brochure.pdf

DHFL Pramerica Roz Sanchay: UIN No 140N038V01.

DHFL Pramerica Smart Cash Protect

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. Why should you take this plan?

  • 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.

Key features

  • 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

Download Brochure

For further information, please visit: https://dhflpramerica.com/LifeInsuranceProduct/DHFL-Pramerica-Smart-Cash-Protect

Download Brochure – https://dhflpramerica.com/UserFiles/File/Smart%20Cash%20Brochure.pdf

 

DHFL Pramerica Smart Cash Protect: UIN No 140N037V01.

DHFL Pramerica Flexi Cash

DHFL Pramerica Flexi Cash is a participating non-linked endowment plan which gives you the flexibility to control your policy. This plan helps you to manage your financial requirement as per you needs. You can access your savings corpus at any time of your need within the flexi benefit period, get steady income in the form of guaranteed loyalty benefit and financial protection for your family in case of any uncertainty.

Why should you take this plan?

  • Access your savings corpus at your time of need within the flexi benefit period
  • Get regular cash back each year from 2nd policy year onwards in the form of Guaranteed Loyalty Benefits during the Premium Paying Term
  • Financial protection for your loved ones through Death Benefit

Key features

  • Flexibility to pre-pone the policy Maturity Date anytime during the “Flexi Benefit” period
  • Guaranteed Loyalty Benefit of 10% of the Annualized Premium each year from 2nd policy year onwards(Only during the Premium Payment Term) where Premium Payment Term is equal to 5 years, 10 years or 15 years, as the case may be
  • Limited Premium Payment options of 5, 10 or 15 years
  • Wealth Accumulation through bonus additions

Download Brochure

For further information, please visit: https://dhflpramerica.com/LifeInsuranceProduct/DHFL-Pramerica-Flexi-Cash

Download Brochure – https://dhflpramerica.com/UserFiles/File/Flexi%20Cash%20Brochure.pdf

DHFL Pramerica Flexi Cash: UIN No 140N040V01.

Disclaimer: 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 & conditions before concluding a sale. Service tax as applicable will be charged over and above the quoted premium. IRDAI Registration No.140. DHFL Pramerica Life Insurance Company Limited (erstwhile DLF Pramerica Life Insurance Co. Ltd), Registered Office and Communication Address: 4th Floor, Building No. 9B, Cyber City, DLF City Phase III, Gurgaon – 122002. Haryana. CIN: U66000HR2007PLC052028

Customer Service Helpline No.(Toll free)- 1800 102 7070,

e-mail- contactus@dhflpramerica.com,

website- www.dhflpramerica.com

 

Beware of Spurious Phone Calls and Fictitious /Fraudulent Offers: IRDAI clarifies to Public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.

FAQs

Insurance Services

1. What is Life Insurance?

Life Insurance is a contract between an insured or policyholder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) in exchange for a premium, upon the death of the insured person or after a specified period, such as policy maturity. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly over a pre-determined term or as one lump sum.

Life Insurance policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.

2. Why do I need Life Insurance?

Life is uncertain and it is not possible to predict exactly the various events that can occur. However, there is always a need to earn income to support yourself and your dependents in case of any eventuality. Life Insurance provides you financial security in case of an unfortunate event like death or on the inability to earn due to physical disabilities.

Besides providing financial security, in case of untimely death, it can be used to accumulate a kitty for your old age, to systematically build assets, to fund your child’s education and also to save on taxes.

3. Who can buy a policy?

Any person who has attained majority and is eligible to enter into a valid contract can insure himself/herself and those in whom he/she has insurable interest.

While underwriting proposals, certain factors such as the – life to be insured’s income, state of health, the proposer’s income, demographics and other relevant factors are considered by the insurer .

4. What are the differences between Life Insurance and Savings?

  • Uberrima Fides

A contract of insurance is a contract of utmost good faith technically known as uberrima fides. The doctrine of disclosing all material facts is embodied in this important principle, which applies to all forms of insurance.

At the time of taking a policy, the proposer should ensure that all questions in the proposal form are correctly answered. Any misrepresentation, non-disclosure or fraud in any document leading to the acceptance of the risk may render the insurance contract null and void.

  • Protection

Savings through Life Insurance plans guarantee full protection against risk of death of the earning member of the family. Also, in case of demise, Life Insurance assures payment of the entire sum assured (with bonuses wherever applicable) whereas in other savings schemes/ saving plans, only the amount saved (with interest) is payable.

  • Aid To Thrift:

In case of Life Insurance, it is easy to acquire loans on the sole security of any policy that has acquired loan value. Besides, a Life Insurance policy is also generally accepted as security, even for a commercial loan.

  • Tax Relief:

Life Insurance is a good way to enjoy tax deductions on income and wealth tax. This is available for amounts paid by way of premium for Life Insurance subject to income tax laws in force.

Assesses can also avail of provisions in the law for tax relief on receipt of maturity proceeds subject to prevailing income tax laws.

  • Money When You Need It:

An insurance policy that has a suitable insurance plan or a combination of different plans can be effectively used to meet certain monetary needs that may arise from time-to-time.

Children’s education, marriage provision or even periodical needs for cash over a stretch of time can be less stressful with the help of these insurance policies.

Alternatively, policy money can be made available at the time of one’s retirement and used for any specific purpose, such as, purchase of a house, paying off a debt or for other investments.

5. Why is it better to buy insurance at an early age?

There are many advantages of buying an insurance policy as early as possible. First, the consideration for an insurance policy or the premium is significantly lower at younger ages (the reason for that is as you grow older, the mortality risk is greater and hence insurance companies would charge a higher premium to cover that risk). By buying a policy at an early age, you would be able to protect your dependents against an unforeseen event like death at a much lower overall cost.

Second, as you grow older, the chances that you would suffer from health problems are higher, and obtaining insurance could become difficult or more expensive if you are suffering from any pre-existing disease.

Third, if you are buying insurance with a view to create a large sum of money at a pre-determined age to meet certain planned expenses like your children’s education or for your post-retirement expenses, then saving early on in your life is highly beneficial. You will have to save much more or for longer durations to get the same amount of money if you start saving late in your life.

6. How much Life Insurance do I need?

The need for Life Insurance is based on various factors including your current lifestyle, expected outflows in future, your present age and your family size.

The first step should be to estimate how much financial support your dependents would need in order to continue to enjoy the same lifestyle as they enjoy today in the event that you are not around to provide that support. In estimating this support, you should consider all regular monthly expenses including food, rentals, conveyance, school fees, medical expenses, any debts to be repaid, etc. and also estimated ones like for children’s education and marriage and your expected needs after retirement. Always provide for unforeseen contingencies that your dependents might need during the period of adjustment. Based on this analysis and the expected returns on the investments in future, you can work out a sum of money that would help your dependents achieve financial independence even if you are not around to support them.

While the situation of every individual would be different, and should be evaluated separately, one rule of thumb is to buy a cover for an amount equal to 6-10 times your annual income. Clearly, the need for insurance is not static and will change as your life-stage changes so you must re-work the requirement periodically and review the coverage available from time to time. It is advisable to speak to a trained financial consultant / insurance advisor to determine the extent of coverage that you require.

7. Which policy should I choose?

Your need for protection and / or planned savings at a point in time is the determining factor when you consider the insurance options. Our Sales Person would normally be able to assist you in making the right choice. However, while your advisor will recommend a Life Insurance policy that he or she thinks will meet your needs; you need to carefully examine the recommendations to make sure that your financial goals and protection requirements are indeed met.

Further, In order to understand charges, guaranteed and non-guaranteed benefits and net yield of an insurance product please review the “benefit illustration” with your sales person prior to purchase of the policy.

8. Are my existing policies enough for me? (I already have Life Insurance policies, what should I do?)
Your need for protection is not fixed. As life progresses, there are new developments that happen and these developments impact the extent to which you need protection and savings. Hence the requirement for Life Insurance should be reviewed periodically and if there is a shortfall, it should be covered as soon as possible by buying additional insurance cover. For the purpose of illustration, some of the events in your life that are likely to have an impact on the levels of protection that you need are:

  • You or your children are getting married
  • You have become or are becoming a parent
  • Your parents or your spouse have retired / are retiring and are / will be financially dependent on you
  • The health of your dependents or your own health has taken a downturn
  • You have taken a significant loan to purchase a new home or car
  • Your children are about to enter school or college
  • You or your spouse has got a large raise in salary or the family income levels have significantly increased

You should consult your Agent/ Financial Advisor if any events similar to the ones mentioned above have happened to evaluate if your need for protection has changed.

Link: https://dhflpramerica.com/Knowledge/KnowledgeCenterFaq


Nomination

1. What is nomination and when can it be effected?

A policy holder may nominate a person(s) to whom the money secured by the policy shall be paid in the event of his/her death.

Nomination can be effected anytime by the policy holder (subject to certain conditions) before the policy matures for payment.

2. Can I change my nomination?

Yes. You can change your nomination at any time during the policy tenure till the maturity date. All you need to do is to inform us about the change through the specified form.

3. What details I have to provide about the nominee/s?

The following details are necessary when filling in the proposal form:

  • Full name of the nominee
  • Address
  • Age
  • The relationship between you and the nominee

4. What is the difference between nomination and assignment?

While nomination is an authorization to receive the policy benefit in the event of death of the life insured, it does not give the nominee an absolute right over the money received to the exclusion of other legal heirs. Further, the nomination can be revoked or cancelled at any time during the lifetime of the policyholder at his will and pleasure or by a subsequent assignment.

On the other hand, assignment of an insurance policy is a transfer or assignment of all rights and liabilities of the insurance policy in favor of the assignee.


Claim

1. What is a Claim?

A claim is a formal request by the beneficiary (policyholder or nominee) of a Life Insurance policy to the insurance Company to make the payment as specified under the terms of the policy.

2. What parameters are considered by the company while asking the claimant to submit particular records / document?

The Company considers the Sum at risk, cause, circumstances of claim and duration of the policy while asking for certain requirements. e.g. For accidental death, specific proofs such as Post Mortem and Police Report are required whereas for death due to illness, the Company calls for records from hospital, test reports, etc.

3. Once all the requirements are submitted, how much time does the Company take to settle the Claim?

The Company settles the Claim within 15 working days after all the records, documents and necessary forms are submitted and documentation is completed. In case, the Claim warrants further verification, the Company keeps the claimant informed about the same. Subsequently, when the decision is taken, it is communicated to the claimant by a letter.

4. Who is entitled to receive the Claim benefit?

  • The nominee or appointee (in case of minor nominee) last recorded under the Policy in case of Policy on own life.
  • The policyholder in case the he/ she is not the insured
  • Assignee in case the Policy was assigned.
  • Life Assured himself in case of policy on own life for living benefit claims (e.g. Critical Illness rider)

5. How do I make a Maturity Claim?

You must send the:

  • Completed Claim form
  • Policy of Life Insured
  • Proof of age, if not submitted earlier

Link: https://dhflpramerica.com/Claims/Claim


Policy Servicing

1. What is the difference between switch and redirection?

A switch will enable you to shift the existing units of your unit-linked policy into a new fund and will not change your future premium allocation. The disinvestment of unit funds and reinvestment into others is called switching. It does not impact the investment allocation of your future contributions.

A premium redirection will enable you to change your allocation for all the future premiums of your policy. However, your existing units will not be shifted into a new fund. It implies changing of your current contribution allocation percentage into various funds from the date of request onwards. It does not affect the allocation percentage of the contribution already invested.

2. In case I lose my policy document how do I obtain a duplicate policy?

You can apply for a duplicate document from the insurance company. You will receive a duplicate policy after paying the necessary fees and executing an indemnity bond.

3. What is NAV? Why the NAV is important in unit linked insurance plans?

NAV is Net Asset Value. It is the cumulative market value of the assets minus the liabilities, valued at predefined norms.

4. How do I notify a change in address? OR How can I change my policy details?

Download the ‘Change Request’ form from our website, fill it, attach a valid address proof and submit it to our nearest branch.

5. How do I effect a Top- up/Fund Switch/Premium Redirection?

Download the Service request form namely “Switch/Premium Re-direction/Top up” from downloads section from our website, and submit the filled in form at our nearest branch.

6. Can I change the frequency of payment for my policy?

Yes, you can change the premium frequency from low (annual) to a higher frequency (bi-annual or monthly) or vice-versa prior to one month before the policy anniversary.

7. Can I change the date of birth after the free look period? If yes, what are the documents required?

Yes, you can change the date of birth after the free look period. All you need to do is submit the proof of age with the correct date of birth, along with a covering letter.

Link: https://dhflpramerica.com/CustomerService


Surrender/Partial withdrawal/Assignment

1. Can I surrender my policy?

Yes, after completion of policy lock in period. This differs from product to product. Refer your policy terms and condition for further details.

2. What do I need to do to surrender my policy?

You need to submit the Payout Request Form which can be downloaded from our website along with a cancelled cheque. Alternatively, you can contact us at any of our branches for further details along with the policy pack.

3. What is partial withdrawal?

Partial withdrawal implies withdrawal of funds by the policy holder from the available fund value of your policy. This is applicable in case of ULIP (Unit Linked Insurance Plan) only. The applicable norms for partial withdrawal may differ for every product. For product-specific details on the same, please refer to the respective product brochures that are available in the Products section of our website.

4. What are Top-ups?

Top-ups are one-time payments. You have the flexibility to make an additional investment through a top-up, which is over and above your regular premium payments. You can make a top-up at any time while your policy is in force. The applicable norms for top-ups may differ for every product. For product-specific details on the same, please refer to the product brochures available in the Products section of the website.

5. What is ‘transfer’ or ‘assignment’ of a Life Insurance policy?

Transfer or assignment is a method of transferring one’s transferable interest in a Life Insurance policy to another person or institution, for example, as a security for repayment of loans or out of love and affection

6. Can I assign a policy?

Yes, you can assign a policy (Other than pension and Married Women’s Property Act <MWP>). To assign the policy, you have to notify the insurer regarding the assignment.

7. How do I assign a policy or transfer a Life Insurance policy?

Assignment or transfer of a Life Insurance policy may be made by simply submitting Assignment form, Assignment Deed and Policy Pack with reason /consideration of assignment

8. Is assignment allowed on all the insurance plans?

Assignment is applicable on all insurance plans except Pension Policies and Married Women’s Property Act (MWP).


Term Insurance Plans

1. What is term Life Insurance?

Term Life Insurance ensures that your family receives a large lump sum amount, called the sum assured, in the unfortunate event of death of the policyholder. By offering this benefit at extremely competitive rates, Term insurance plans provide an opportunity to get the protection of insurance cover at extremely affordable prices.

2. Why do I need term Life Insurance? Why should I start planning my life cover needs now?

  • One should have adequate cover for dependents. It’s better to be prepared and ensure that the financial needs of your loved ones are taken care of, in the unfortunate event of death.
  • With age, the premiums tend to increase and therefore buying term insurance becomes more expensive.
  • Apart from the benefit of protection for your dependents, also enjoy tax benefits as per prevalent tax laws.

Link: https://dhflpramerica.com/Knowledge/Protect_Your_Family


Saving Plans
1. Why wealth plans?

Wealth insurance plans have been designed to ensure that you can save for these long term goals along with the benefit of life cover and provide protection to your family

2. What is saving Insurance plans?

Savings insurance plans ensure that you receive a lump sum amount of money at the maturity of the Policy. In the unfortunate event of death during the term of the policy, your family receives lump sum amount, called the Sum Assured. Thus it combines the benefits of protection and saving in a single instrument.

3. Why do I need an endowment plan?

  • Regular savings: Insurance inculcates the habit of regular and disciplined savings, which is the key to successful long term financial planning. Pay your premiums regularly and enjoy the uninterrupted benefits of wealth insurance.
  • Protection: Wealth insurance provides the protective benefit of a life cover, which keeps your family secure, always.
  • Tax benefits: Apart from protection and savings, wealth insurance plans also offer tax benefits as per prevailing tax laws

Link: https://dhflpramerica.com/Knowledge/Wealth_Creation


Child Progress Plans

1. Why child plans?

As a parent, you would not like to compromise your child’s bright career, regardless of the rising cost of education. All you need is a savings plan that is designed to provide money at key educational milestones and take care of your loved ones future even if you are not around. Education insurance offers you unique features which ensure that this objective is achieved and it helps in strengthening your child’s dreams.

2. What are child progress plans?

Child Progress plan ensure comprehensive financial planning for your child’s education/ developmental needs. In this you pay premium regularly or in a single lump sum and during the key educational milestones of your child you can withdraw the money partially. It offers financial protection to your child’s future in the unfortunate event of your death.

3. Why do I need child progress plans?

  • Increasing costs of education: The cost of education is increasing at a rapid pace across all levels. In order to ensure that you can pay for your children’s education you need to start saving at the earliest.
  • Multiple interests of children: In order to ensure that your child is an all-rounder you need to train him in different areas like sports, dancing, singing etc. All these extra-curricular activities cost huge money and hence add to the overall cost of education.
  • Tax benefits: Apart from protection and savings, wealth insurance plans also offer tax benefits as per prevailing tax laws.
  • Protection: In the unfortunate event of death of the parent (Life Assured) during the term of the Policy, the following benefits are payable:
    • Sum Assured would be paid to the beneficiary.
    • Future premiums would be paid by the Company till the maturity of the Policy
    • Policy benefits would continue for your child’s educational and developmental needs, as planned by you
    • If an optional rider has been chosen, an additional fixed amount shall be paid to the child every year till the maturity of the Policy

These features are available with minor variations across almost all -child progress plans.

4. When should I start investing for my child’s educational needs?

What is the better time to start investing in an educational plan than the day your child is born? This will ensure that at the time of higher education of your child, an adequate financial corpus is built. Or, you can even use the maturity amount to gift the apple of your eye a wedding to cherish for a lifetime or seed capital to fuel his business ambitions. So, start as early as you can to enjoy the benefits of long term planning.

Link: https://dhflpramerica.com/Knowledge/Plan_Your_Child_Education


Retirement Plans

1. Why retirement plans?

Our pension plans are designed to ensure that your retirement years truly become your golden years. They will provide you the financial security to pursue your unfulfilled dreams.

2. What is retirement insurance?

Retirement insurance ensures that you or your family members receive a regular pension amount post a retirement date. You have the flexibility to choose the retirement date and the manner in which you receive the pension.

3. Why do I need retirement insurance?

  • Longer retirement years: Average life spans are increasing in India and hence, the retirement years are likely to be longer. With the rise in inflation you will need more money to live in comfort.
  • Financial independence post retirement: Earlier, people could depend on their children to take care of them post retirement. However, as a modern individual, would you not like to maintain your financial independence post retirement also?
  • Inflation: Inflation is an important factor. Post retirement, you need a regular income to ensure that your expenses can be met.

4. Why should I start planning for my retirement now?

  • The earlier you start planning for retirement, the larger will be the corpus for you at the time of your retirement. Neglecting your retirement needs can prove to be costly later in your life.
  • With age, your expense will tend to increase and therefore retirement planning becomes more difficult.
  • Apart from the benefit of a comfortable retirement, also enjoy tax benefits as per prevailing tax laws.

Link: https://dhflpramerica.com/Knowledge/Plan_Your_Retirement

DISCLAIMERS: Insurance is the subject matter of solicitation.

Dewan Housing Finance Corporation Ltd DHFL CIN No L65910 MH1984PLC032639 & IRDAI License No 9877096) is a licensed Corporate Agent of DHFL Pramerica Life Insurance Company Limited. Contract of Insurance is between DHFL Pramerica Life Insurance and the insured/policyholder. This product provides life insurance coverage and is offered & underwritten by DHFL Pramerica Life Insurance Co. Ltd.

Participation by the Company’s customers in any insurance product is optional and purely on a voluntary basis.

Note: This material gives the salient features of the product. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Tax benefits are available as per the prevailing tax laws, which are subject to change.

Service Tax will be charged over and above the quoted premium

IRDAI Registration No. 140. DHFL Pramerica Life Insurance Co. Ltd. (erstwhile DLF Pramerica Life Insurance Co. Ltd) Registered Office and Communication Address: 4th Floor, Building No. 9B, Cyber City, DLF City Phase III, Gurgaon – 122002, Haryana. CIN: U66000HR2007PLC052028.

Customer Service Helpline No. (Toll free) – 1800 102 7070. Email – contactus@dhflpramerica.com.

Website: www.dhflpramerica.com

The DHFL and Pramerica Marks displayed above belong to `Dewan Housing Finance Corporation Limited’ and `The Prudential Insurance Company of America’ respectively and are used by DHFL Pramerica Life Insurance Company Limited under license.

Beware of Spurious Phone Calls and Fictitious /Fraudulent Offers: IRDAI clarifies to Public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.

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