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DLF Pramerica U Protect


This is a pure term plan that pays sum assured to nominees upon unfortunate demise of the insured.  

What does it do?

This is a pure risk term insurance plan with two optional riders- accident death benefit and critical illness. It neither provides any maturity benefit nor allows to surrender.


Lower premium for women policyholders, non-smokers and those with healthy lifestyle.
Available riders can enhance the scope of the cover.
The policyholder can maximize deductions under section 80C and 80DD.


There is no monthly or quarterly premium payment mode available with this policy.
The minimum sum assured of Rs 25 lakh may be a deterrent for some.

Suited for

Those who cannot manage without intermediaries and prefer traditional channels to buy insurance can take this policy.

Our View

A pure risk term plan is a definite buy for everyone. You need to check if your needs such as policy term, sum assured, premium payment options matches with those offered by the policy. You may take an online policy if you are young and can manage online purchases. An online policy is cheaper as compared to offline plans.

Entry Age (years) 
Maximum Maturity Age (years)65
Policy Term (years) 
Sum Assured (Rs) 
MaximumNo Limit
Minimum Premium (Rs) 
Premium Payment FrequencyYearly and Half Yearly
Premium Payment TermRegular, equal to policy tenure
Policy CoverCover remains fixed for the tenure of the policy
Other Features 
Free Look CancellationIn case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums, minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered
Grace PeriodYou are allowed to pay premiums within 30 days from the due date. If a due premium is not received within the grace period of 30 days, your policy will lapse and the life insurance cover, including the rider cover, if any, will be terminated
Lapsed Policy ReinstatementYou can reinstate your lapsed policy any time (within 3 years from the due date of the first unpaid premium) by paying all the due premiums and undergoing underwriting requirements, if any
Tax BenefitsSection 80C and Section 10 (10D) of the Income Tax Act, 1961 would apply. . Premiums paid for Critical Illness Rider may qualify for deduction under Section 80D of the Income Tax Act, 1961
ExclusionsIn case of death by suicide during the first policy year, or within one year from the date of reinstatement, no death benefit is payable
Surrender ValueThere is no surrender benefit in this plan
Customer Service 
AddressDLF Pramerica Life Insurance Company Limited, 4th Floor, Building 9B, Cyber City, DLF City Phase-III, Gurgaon - 122002
Mail To[email protected]
Call On1800-102-7070
Available Rider(s)DLF Pramerica Traditional Accidental Death Benefit Rider: covers death due to accident.
DLF Pramerica Traditional Critical illness Rider: The 10 critical illnesses are Aorta Surgery, Blindness, Cancer, Coronary Artery Bypass Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Organ Transplant, Paralysis And Stroke. There is a survival period of 30 years to claim the benefit.
Rider Conditions 
Entry Age (years) 
Maximum Maturity Age (years)65
Rider Term (years) 
Sum Assured (Rs) 
Maximum50 lakh for ADDB Rider ; 25 lakh for Critical Illness rider
Rider Premium (Rs)Rider premiums vary for each policyholder. For instance, if a 30-year old male opts for the ADB rider for Rs 5 lakh sum assured over a 10 year tenure; the annual ADB rider premium works to Rs 425
Annual Premium Option for Male
Policy Term (in years)Age (in years)
Figures indicate premiums on a Rs 40 lakh policy for an age over different policy tenures exclusive of service tax
Annual Premium Option for Female
Policy Term (in years)Age (in years)
Figures indicate premiums on a Rs 40 lakh policy for an age over different policy tenures exclusive of service tax