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Pramerica Life TruShield Term Insurance

103 reviews Rate This
Pramerica Life Term Insurance
Life TruShield Plan
Claim Settlement Ratio98.61%
Customer CareMon to Sat 9:30 AM to 6:30 PM
Death Benefit Paid For560 Policies
Inception2013
Presence138 Offices
Total Death Benefit Paid22.44 Crore

About Pramerica Life TruShield Term Insurance

Pramerica Life TruShield is a non-participating, return of premiums term insurance policy. Pramerica Life TruShield plan is specially designed to take care of the financial needs of your family in your absence. This is a risk protection plan, which provides financial protection to your family in case of your untimely demise during the policy tenure. Pramerica Life TruShield plan provides life cover with Return of Premiums at the time of maturity in case you survive the entire policy tenure. This plan has two plan options namely Level Cover and Reducing Cover.

This plan is a great way to ensure financial security of your family in difficult times such as your unforeseen demise during the policy tenure. This plan provides a death benefit to your family that helps them to maintain a healthy lifestyle even in your absence.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Unforeseen Demise
  • Extensive Life Cover
  • Tax Benefits

What's Not Included

  • Death due to suicide within first 12 months
  • Substance Abuse
  • Participating in criminal activities
  • Pre-existing medical condition
  • Participating in hazardous activities

Pramerica Life TruShield Plan Brochure

  • 888.11 KB
  • PDF Document
  • Sep 09, 2021
Download PDF

Life TruShield Plan User Reviews

4.9
Rating based on
103 User reviews
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What users are saying
  • All
  • Simple and Quick Process

    InsuranceDekho's Pramerica Term Insurance- Life TruShield Plan- Term Insurance purchase process is quick and straightforward. I appreciate their user-friendly interface and efficient service, making it easy to secure my family's future.

    Read More

    J
    By Jaismine Kohli
    On: Oct 16, 2023
  • Reliable and Trustworthy

    2 years ago I bought the Pramerica Term Insurance- Life TruShield Plan- Term Insurance from InsuranceDeko. And I can say without a doubt that they have proven to be a reliable and trustworthy partner in protecting my family's future.

    Read More

    D
    By Delisha Sodi
    On: Sep 18, 2023
  • Great Loyalty Benefits

    I've been a loyal customer of InsuranceDekho with the Pramerica Term Insurance- Life TruShield Plan- Term Insurance, and their loyalty benefits have been a pleasant surprise. It reflects their dedication to policyholders.

    Read More

    R
    By Ram Bohra
    On: Sep 08, 2023
  • Various knowledgeable resource...

    The InsuranceDekho website has the availability of varied knowledgeable resources like articles, etc. While buying the Pramerica Term Insurance- Life TruShield Plan- Term Insurance, I read different articles that were nicely written and had a lot of information to gain from. I got to know a lot of things, which I didn't know before.

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    M
    By Megha Kapoor
    On: Sep 06, 2023
  • Claim settlement was a hassle-...

    Filed a claim for my Pramerica Term Insurance- Life TruShield Plan. I must say the claim settlement process was completely hassle-free and the claim was settled within the time. The claims team at InsuranceDekho kept me notified at all times

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    D
    By Dev Patel
    On: Aug 11, 2023
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Claim Process at Pramerica Life Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.

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FAQs on Life TruShield Plan Health Insurance Plan

  • Why should I purchase the Pramerica Life TruShield plan?

    Pramerica Life TruShield plan is return of premiums term insurance policy. This plan provides financial security to the family of the life assured in case the life assured passes away during the policy tenure, given that the policy is active as on the date of demise of the life assured. This plan 2 death benefit options - Level and Reducing Cover. Pramerica Life TruShield plan provided maturity benefit at the end of the policy term, in case the life assured survived the entire policy tenure. 

  • What is the grace period offered for the Pramerica Life TruShield plan?

    A grace period of 30 days from the date of first unpaid premium is provided for the Pramerica Life TruShield plan.

  • What is the free-look period offered for the Pramerica Life TruShield plan?

    A free-look period of 15 days from the date of receipt of the policy documents is provided for the Pramerica Life TruShield plan.

  • What is the revival period offered for the Pramerica Life TruShield plan?

    A revival period of 5 years from the date of first unpaid premium is provided for the Pramerica Life TruShield plan. 

  • What are the documents required for Pramerica Life TruShield claims?

    Following is the list of some mandatory documents required for Pramerica Life TruShield claims:

    • Original policy documentation
    • Filled and signed claim form
    • Claimant’s ID proof
    • Claimant’s bank account details
    • Original death certificate
    • Medical records

  • What are the features of the Pramerica Life TruShield plan?

    Some features of Pramerica Life TruShield plan are as follows:

    • Provides comprehensive protection
    • Provides maturity benefit
    • 2 death benefit payout options 
    • Multiple premium payment options
    • Affordable premiums 

  • Is maturity benefit provided under the Pramerica Life TruShield plan?

    Yes, this plan provides maturity benefits in case the life assured survives the entire policy term. 

  • What are the death benefit options under the Pramerica Life TruShield plan?

    There are 2 death benefit options under the Pramerica Life TruShield plan, which are Level Cover and Reducing Cover.

  • What are the different premium payment modes available for the Pramerica Life TruShield plan?

    Different premium payment modes available for the Pramerica Life TruShield plan are:

    • Single
    • Annual
    • Monthly

  • What are the documents required to purchase the Pramerica Life TruShield plan?

    Following is the list documents required at the time of purchase of Pramerica Life TruShield plan:

    • Duly Filled and Signed Proposal Form
    • KYC Documents such as Aadhaar Card, Pan Card, Voter Card, Passport etc.
    • Address Proof such as Electricity Bill, Water Bill, Gas Bill etc.
    • Recent Salary Slips
    • Passport Size Photographs
    • Recent Medical Examinations and Records
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