Pramerica Life Insurance

  • Claim Settlement Ratio
  • 2.6+ Million Customers Insured
  • 24X7 Active Customer Support


Pramerica Life Insurance is one of the renowned life insurance companies in India, offering affordable and efficient individual and group protection life insurance plans. DHFL Pramerica Life Insurance plans are the perfect solution to safeguard single individuals, married people, spouses with young children, and dependents against unexpected events in life. DHFL Pramerica Life Insurance Limited is loyal to its customers and strongly focused on providing innovative financial solutions for different life stages.

Background of Pramerica Life Insurance

Pramerica Life Insurance Limited is a joint venture between major companies DHFL Investments Limited and Prudential International Insurance Holdings Ltd, headquartered in Gurugram. Started in 2008, DHFL Pramerica Life Insurance owns the legacy of being a financial expert and prevails in insurance excellence. DHFL Pramerica has seen immense growth, by spreading its strong distribution network throughout India. All the life insurance plans of DHFL insurance address the insurance needs of different customer segments.

Pramerica Life Insurance is committed to providing trusted financial advice to its customers and ensuring maximum protection for their specific insurance needs. DHFL Insurance contributes its services with the vision that every life it serves should feel secure and enriched. Currently, DHFL Pramerica Life Insurance has 131 branches spread all over India. The Decimal Premicalife In has secured more than 2.6 million lives by fulfilling their individual and group life insurance needs.

Taking a step ahead, Pramerica Life Insurance Limited also launched plans to secure the lives of defence personnel and their families. DHFL Pramerica Life Insurance has collaborated with The Indian Army and the team connected with ex-defence personnel to understand their needs better and develop plans that effectively address their insurance concerns.

DHFL Pramerica Life Insurance Awards and Accolades

DHFL Pramerica Life Insurance has received several awards and recognitions for its customer-centric services and excellence in the insurance industry. Below are the highlights of the recent achievements of DHFL Insurance.

  • Pramerica Life Insurance Limited received the ‘Pride of the Nation’ Award from the Union Home Minister in 2018.
  • Pramerica Life Insurance won the ‘Sales Championship in Life Insurance Category’ at the 5th Annual Economic Times Insurance Summit 2018.
  • Pramerica Life Insurance received ‘Skoch Order-of-Merit’ by the Skoch Group in 2018.
  • Pramerica Life Insurance was awarded ‘Golden Star Award in 2018 by CMO Asia.
  • Pramerica Life Insurance received the ‘Digital Industry Award’ for digital excellence in the insurance industry by Kamikaze B2B Media in 2018.
  • Pramerica Life Insurance received the ‘National Award for Marketing Excellence’ from Times Network in 2018.
  • Pramerica Life Insurance was awarded the ‘Red Hat Innovation Award’ in the Digital Transformation Category in 2017.
  • Pramerica Life Insurance received the ‘Skoch Technology for Growth Silver Award’ in 2016.
  • Pramerica Life Insurance was awarded ‘Celent Model Insurer Asia Award’ in the distribution category in 2014.
  • Pramerica Life Insurance received ‘Best Insurer’ in the Technology category in 2011.
  • Pramerica Life Insurance ranked 74th ‘Great Places to Work’ in 2011.

Pramerica Life Insurance Company Specifications

Below are the key specifications of Pramerica Life Insurance Limited that highlight its excellence in the insurance industry.

Particulars Specifications
Claim Settlement Ratio (2021-22) 98.30%
Branches in India 131
Solvency Ratio (2021-22) 4.04
Employees 2419+
Customer Secured 2.6+ Million
Annual Premium 1098.78 crore

*Data has been sourced from the annual report of IRDAI 2021-22

Key Features of Pramerica Life Insurance

The main objective of Pramerica Life Insurance Limited is to secure individuals and their families with a wide range of life insurance plans. With DHFL Pramerica, insurance seekers can compare life insurance plans online and purchase one that fits their financial requirements. Let’s look at the features of DHFL Pramerica that make it one of the best life insurance companies in India.


Variety of Plans

Pramerica Life Insurance offers different life insurance plan options to cover various life stage requirements of an individual. The various categories of life insurance plans offered by DHFL Pramerica Life Insurance are protection plans, ULIP plans, saving plans, child progress plans, health plans, and retirement plans.


Economic Insurance Plans

Pramerica Life Insurance provides plans at an affordable cost with comprehensive cover that suits different economic demographics and guarantees the financial security of your family.


Flexible-Premium Payment

DHFL Pramerica Life Insurance offers flexibility in premium payment options to maximise customer convenience. Depending on the suitability of the insurance seekers, one-time or limited premium payment options are available.


Plan Customization

Pramerica Life Insurance allows customers to customize their plans and enhance the base policy coverage per individual financial needs.


Digitalized Services

Pramerica Life Insurance uses digital platforms to facilitate its services and provide a seamless customer experience. Customers can easily connect with the DHFL Pramerica Life Insurance company for policy-related information.


Community Initiatives

Pramerica Life Insurance has expanded its customer potential from the general public to defence personnel. After connecting with the ex-defence personnel, DHFL insurance company has tailored plans that perfectly complement the needs of defence personnel and their families.

Benefits of DHFL Pramerica Life Insurance Limited

Pramerica Life Insurance Limited is one of the leading life insurance providers in India. DHFL Pramerica Life Insurance offers its customers a list of life insurance products specifically targeting their financial objectives. Depending on your personal needs, you can buy a suitable plan from DHFL Pramerica and get the following benefits.


Enhance Coverage

Pramerica Life Insurance offers different rider options to enhance the base plan coverage and provide additional protection when needed.


Attractive Premium

Pramerica Life Insurance provide attractive premium rates for male and females who follow a healthy lifestyle and are non-smokers.


Maturity Benefits

Some of the plans by Pramerica Life Insurance Limited provide maturity benefits upon the completion of policy tenure. These specific plans pay back all the premiums submitted if the policyholder survives the policy.


Tax Benefits

With Pramerica Life Insurance Plans, the policyholder can avail of the tax benefits on the premium paid under Section 80 (C) and 10 (10D) of the Income Tax Act, 1961


Simplified Claim Process

Pramerica Life Insurance ensures that the claim process remains stress-free and quick by setting up an efficient claim assistance mechanism with minimum paperwork. DHFL insurance expert support enables customers to raise their claims and process them in the shortest time possible.


24X7 Customer Support

Pramerica Life Insurance provides excellent customer support 24 hours a day. Customers can easily contact the help desk of Decimal Pramericalife In within minutes and get expert assistance regarding policy status or other concerns.


Attractive Bonus

Upon the maturation of the Pramerica Life Insurance policy, the life assured can enjoy hefty bonuses. As per the worth of DHFL Pramerica, the bonus amount is determined.


Financial Security

With the Pramerica Life Insurance plan, the life insureds can secure their families against any uncertainties of life. With DHFL Pramerica life insurance, the financial future of family members would be safeguarded in the absence of the sole breadwinner. DHFL Pramerica covers premature death risks and expenses incurred for critical illness treatment.


Build a Secured Corpus

Pramerica Life Insurance helps you create a financial corpus that backs you up to live a peaceful life ahead. DHFL Pramerica Life Insurance works as a short-term and long-term investment tool to create wealth and accomplish life goals.


Life Stage Planning

With Pramerica Life Insurance, an individual can secure the future of their children, their education, and marriage even in their absence. Also, DHFL Life Insurance helps you plan your retirement and earn regular income to stay financially secure.


Loan Facility

Pramerica Life Insurance provides different plan options like endowment plans and money-back plans offering loan facilities. Individuals can avail of the loan after a specified period to rescue themselves from any financial burden.

Life Insurance Plans Offered by Pramerica Life Insurance Limited

Pramerica Life Insurance offers various categories of life insurance plans to help individuals secure their loved ones and promote an easy lifestyle. Let’s explore the life insurance plans offered by DHFL Life Insurance.

Protection Plans

ULIP Plans

Savings Plans

Child Progress Plans

Health Plans

Retirement Plans

Group Plans Offered by DHFL Pramerica Life Insurance

Pramerica Life Insurance offers various group insurance plans to secure a group of people, mainly the employee and their family members. Let’s get into the details of various group life insurance plans offered by DHFL Pramerica.

DHFL Pramerica Life Insurance Tax Benefits

Pramerica Life Insurance company offers life insurance tax benefits to its customers on the premium submitted and the return received from the plan. The policyholder can receive the following tax benefits from DHFL insurance.

  • Under Section 80C

    Maximum tax benefit of upto Rs. 1.5 lakhs per annum is allowed on the premium paid towards Pramerica Life Insurance.

  • Under Section 80CCC

    Maximum tax benefit of upto Rs. 1.5 lakhs per annum is allowed on the premium paid for the DHFL Pramerica Life Insurance pension plan.

  • Under Section 80D

    Tax benefits are offered on the premium paid towards DHFL Pramerica Health Insurance. Under the section, deductions of upto Rs. 25,000 per annum and Rs. 50,000 for senior citizens and above are allowed.

  • Under Section 10 (10 D)

    The section exempts the tax on the death benefits received after the death of life assured. Maturity benefits are tax-free only if the total premium paid is less than 10% of the sum assured amount.

Exclusions Under Pramerica Life Insurance

Pramerica Life Insurance offers various plans to meet the needs of an individual and group. Though DHFL insurance has made the claim process easy and quick, there are still some exclusions under which the policyholder can not file for a claim from DHFL Life Insurance. Let’s understand what are the exclusions under DHFL insurance.

  • Suicide Exclusion
    The death that occurred due to negligence, suicide, or other means not meeting the policy coverage is excluded from filing a claim to Pramerica Life Insurance Limited.
  • Irrelevant Claim Filing 
    The insured needs to follow the right way to claim so that the claim is processed without any delay.

Pramerica Life Insurance Plan Buying Process

Buying a life insurance plan from Pramerica Life Insurance is easy, as you can opt for any online and offline methods. You can compare life insurance plan options from term insurance, savings plans, endowment plans, or child plans from the official website of DHFL Pramerica Life Insurance or through the D2C Consulting Services Private Limited “”. Here’s the buying process of a life insurance plan from Decimal Pramericalife In.

Buy from the Official Website of Pramerica Life Insurance

Follow the steps below to buy a life insurance plan directly from DHFL Pramerica Life Insurance.

  • Visit the official website of Pramerica Life Insurance.
  • Go to the ‘Life Insurance Plans’ section on the top bar.
  • Select a preferable plan from the available categories.
  • Click on the ‘Buy Now’ button and provide the required information in the field.
  • Tap on ‘Next’ and compare the different plan options available.
  • Select the preferable cover option and proceed with the payment.

Buy from RenewBuy

RenewBuy will assist you in comparing the various life insurance plans offered and help you buy one suitable plan from Pramerica Life Insurance. Follow the steps to buy a DHFL life insurance, ULIP plan or retirement plan with RenewBuy.

  • Go to the official website of RenewBuy.
  • Tap on the ‘Life Insurance Plan’ tab.
  • Select the best life insurance plan or other.
  • Provide the necessary information.
  • Choose your preferred plan and click on the ‘Buy Now’ button.
  • Select the policy term, premium amount, and add riders to enhance the coverage.
  • Proceed with payment.

After the successful payment, you will get the policy details from DHFL Pramerica Life Insurance at your registered email address.

Pramerica Life Insurance Claim Process

DHFL Pramerica ensures that your claim process is smooth and quick, and the customers can easily file a claim online or offline without any hassle. Follow the given steps mentioned below

Step 1: Claim Intimation to the Company

On the death of the life assured or on the maturity of the policy, the DHFL Pramerica Life Insurance should be informed as soon as possible. You can inform Pramerica Life Insurance about the incident via various channels by calling the toll-free number 1800 102 7070 or writing a mail to, or filling out the claim settlement form available on Alternatively, you can visit the nearest DHFL Insurance branch or intimate the claim through the agent. The following information is required during the intimation of the claim.

  • Name of nominee
  • Name of policyholder
  • Policy number
  • Date of death
  • Reason of death
  • Address
  • Contact details

Once the claim registration is completed, you will receive a claim reference or intimation number for future reference.

Step 2: Document Submission

To process your claim, Pramerica Life Insurance requires some documents to submit along with the claim form. The following documents are required to be submitted to DHFL Insurance.

In Case of Natural Death

  • Death claim form
  • Original policy documents
  • Medical records at the time of death
  • Death certificate
  • Nominee name and details
  • Nominee account details

In Case of Unnatural Death (Accidental/ Murder/ Suicide)

  • Death claim form
  • Original policy documents
  • FIR/ police report
  • Death certificate
  • Post mortem report
  • Nominee name and details
  • Nominee account details

In Case of Maturity Claim

  • Original policy documents
  • Form ‘M’ of the insurance company
  • Identity proof
  • A cancelled cheque with the existing name
  • In the case of NEFT, submit the bank passbook copy

Step 3: Claim Settlement Process

After successfully submitting documents, Pramerica Life Insurance officials review all the details per their norms. During this process, the officials can contact you and inquire about certain things. If the request is approved, DHFL Life Insurance will initiate the claim settlement process and transfer the sum assured amount to the bank account of the nominee. Usually, the processing takes 30 days after the submission of documents.

Check the Policy Status of Pramerica Life Insurance

Pramerica Life Insurance Limited allows policyholders to check their policy status online and offline. Also, one can call DHFL Pramerica to inquire about the policy details. Follow the given process to check the policy status of the DHFL Insurance policy.

Online Method

  • Go to the Pramerica Life Insurance website.
  • Select the ‘Customer’ tab available at the top right corner of the screen.
  • Log into your account.
  • In the next screen, the current policy details will be displayed. Here, you can check the status of the DHFL Insurance policy.

Offline Method

  • Visit the nearest branch of DHFL Pramerica Life Insurance or contact your agent.
  • Provide essential details like policy number, date of birth, and other identification information.
  • The officials will provide you with the current status of your life insurance policy.

Pramerica Life Insurance Contact Details

DHFL Pramerica Life Insurance is one of the trusted life insurance companies in India that is up to providing continuous and top-notch customer support. DHFL Life Insurance company has enabled different communication channels to assist its customers. The policyholders can reach Pramerica Life Insurance Limited via a toll-free number, email ID, or by filling out the form available on the official DHFL Pramercia website to request a callback. Below mentioned are the DHFL Pramerica contact details.

Registered Corporate Office Pramerica Life Insurance Limited (Erstwhile DHFL Pramerica Life Insurance Company Limited), 4th Floor, Building No. 9 B, Cyber City, DLF City Phase III, Gurgaon-122002
Toll-free number 1800 102 7070 (9.30 AM to 6.30 PM from Monday to Saturday)
Company Email ID
Missed call service 1800 102 7986
SMS Service Send ‘Life’ to 5607070 or +91 9289207070