Life Insurance Built Around Your Family’s Future

• Death benefit for natural and accidental death
• Terminal illness benefit paid in advance in eligible plans
• Optional critical illness cover for major diagnoses
• Accidental death and dismemberment benefit
• Waiver of future premiums on total permanent disability (with rider)
• Maturity benefit on savings-linked and whole life plans

• Sum assured options from ₹25 lakh to ₹5 crore and above
• Level premiums for the entire policy duration
• Multiple payout structures: lump sum, monthly income, or staggered payout
• Free look period to review your policy after issuance
• Policy loan facility available on eligible savings-linked plans
• Easy nominee and beneficiary updates through your Prime Care advisor

• Young professionals who have just started supporting a family or paying off a home loan
• Parents who want to guarantee their children’s education and marriage expenses
• Sole or primary earners whose income supports dependents
• Business owners who want to protect their family from business liabilities
• Anyone who wants to convert long-term savings discipline into a guaranteed payout

• Indian residents aged 18 to 65 years at entry, subject to plan variant
• Cover can continue up to age 99 depending on the plan chosen
• Standard medical and financial underwriting applies to higher sum assured
• NRIs are eligible for select plans, subject to country of residence

• Monthly, quarterly, half-yearly, or annual premium payments
• Limited pay options — pay for 5, 10, or 15 years while staying covered longer
• Single premium (one-time payment) available on select plans
• Auto-debit and digital payment options through Prime Care Associates

• Original policy document
• Duly filled claim intimation form
• Death certificate issued by the competent authority
• Nominee’s identity and address proof
• Nominee’s bank account details for payout
• Medical records, if the claim requires additional verification

Save More With Tax-Efficient Cover

• Premiums paid qualify for deduction under Section 80C, up to prevailing limits
• Death benefit paid to nominees is tax-free under Section 10(10D)
• Maturity benefit is tax-free subject to prevailing premium-to-cover ratio conditions
• Riders such as critical illness may offer additional deductions under Section 80D

• Critical Illness Rider — lump sum payout on diagnosis of covered critical illnesses.
• Accidental Death Rider — additional payout if death occurs due to an accident.
• Waiver of Premium Rider — future premiums are waived on total permanent disability.
• Accelerated Sum Assured Rider — a portion of the sum assured is paid early on terminal illness.

• No waiting period for standard death cover; a 45-day exclusion period applies to certain riders

• Death by suicide within 12 months of policy issuance or revival
• Non-disclosure or misrepresentation of material facts at the time of purchase
• Death due to participation in hazardous activities not declared at proposal stage
• Claims arising from war, civil commotion, or acts explicitly excluded in policy terms