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Pramerica e-Save

Insurance Company	Pramerica Life Insurance Company Ltd
Plan Name	Pramerica e-Save
Plan Nature	TRADITIONAL
Plan Category	Savings & Investment Plan
UIN No.	140N046V01
About Plan	It is an online Non-Participating Endowment Insurance Plan that delivers guaranteed maturity and death benefit. It plans for your childs higher education or your retirement with option to choose your policy term.

Benefits

Particulars	Description
Maturity Benefits	On Survival of the Life Insured to Maturity date, Base Sum Assured along with the Accrued Annual Guaranteed Additions would be payable.
Death Benefits	On unfortunate demise of the life insured during the policy term, the company will pay an amount equal to sum of Death Sum Assured plus Accrued Annual Guaranteed Additions.Where Death Sum Assured will be equal to: i) if life insured age at entry is less than 45 years, Higher of 10 times of Annualized Premium or Base Sum Assured. ii) If life insured age at entry is greater than or equal to 45 years, Higher of 7 times Annualized Premium or Base Sum Assured.
Loan against policy	The policyholder can avail a loan against the Policy after it acquires surrender value, up to 80% of the surrender value. The rate of interest applicable on the loan will be declared by the company on an annual basis at the beginning of every financial year.
Guaranteed Benefit	Annual Guaranteed Additions:Annual Guaranteed Addition will be provided if the Policy is in force. It will be expressed as a percent of cumulative annualized premium will be dependent on the Premium band.

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Minimum Age at Entry	18 years
Maximum Age at Entry	For Policy Term 10 Years: 55 years For Policy Term 15 Years: 50 years For Policy Term 20 Years: 45 years
Maximum Maturity Age	65 Years
Policy Term	10, 15 or 20 Years
Annual Premium	Minimum: Rs. 20,000 Maximum: No limit, subject to underwriting
Base Sum Assured	Minimum: Corresponds to age at entry, Annualized Premium and Policy Term as chosen

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