Terms & Conditions 



The following terms and conditions govern your use of this website (www.pramericalife.in). Your use of this website and content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this website and content.

This website presents information and content that is owned or licensed by Pramerica Life Insurance Limited. When used in these Terms and Conditions, we and our mean PLIL and you and your refers to any individual, company, or legal entity that accesses or otherwise uses this website.


Products Services

PLIL offers products and services available through portions of this website. These terms and conditions apply only to your use of this website and Content, and they do not apply to your use of any products or services offered by PLIL. We may have established or will establish additional or different terms and conditions for certain products and services. In many instances, our products or services involve sophisticated financial instruments or investments that are regulated by public authorities. You agree to review all applicable terms and conditions relating to PLIL products and services. In the event of any conflict between the terms and conditions on this website and such additional terms and conditions, the additional terms and conditions shall govern and control. Further, if you have a policy or account with PLIL, your customer relationship is also governed by other agreements, such as your policy or account agreement, as applicable. In the event of any conflict between the terms and conditions on this website and such policy or account agreements, your policy and account agreements shall govern and control.


Do Not Rely on This Website for Your Financial Decisions

The Content on this website is for convenience and information purposes only. You should consult your financial and legal advisors, and independently verify all Content provided through this website before you make decisions. Nothing on this website constitutes an offer to sell or buy any product. Account information available on this website is not the official record of your account. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this website is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.


Ownership and Use of Content

All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, logos, software applications, video and audio files and photos, trademarks, service marks and trade dress (Content) is owned or licensed by PLIL and any other third party (where applicable). The Content is protected worldwide by applicable intellectual property laws. Nothing on this website should be construed as granting any license or right to use or copy the Content on this web site. We retain all proprietary rights on this website. Users are prohibited from using the same without our prior written permission of such or other parties. The matter on this website is protected by copyright and no part of such material may be modified, copied, distributed, used for creating other works, reproduced, stored in a retrieval system, transmitted in any form or by any means or used in any other way for commercial or public purpose without our prior consent.



We do not endorse any third party websites not under the control or operation of PLIL. We have not reviewed any or all such sites that may be linked to this website and we are not responsible for any such websites or the content therein linked to this website or any difficulty you may experience in downloading the software or for any consequences from your doing so. Your linking to any websites from this website is at your own risk. By linking to a website or permitting a link to this website, PLIL does not endorse, recommend, approve or guarantee the website operator or the content of the linked website. You must always obtain prior written approval of PLIL before creating a link in any form with a third party web site to this web site. PLIL reserves the right to give such approval in its sole discretion. Subject to the terms of applicable service or other agreements, we will remove any link from this web site upon request from the owner of the linked website. Please call our customer services department at 1860-500-7070 (Local Charges Apply) to submit such a request.



Not all of the products or services described on this website are available in all areas of the India and/or you may not be eligible for them. We reserve the right to determine eligibility.


No Warranty

Your use of this website and Content is at your own risk. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Content may become inaccurate as a result of developments after its publication on this website. PLIL assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this website and the operation of it are provided as is and PLIL disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.


Transmission Download

PLIL does not warrant or represent that this web site will be available and meet your requirements or that access shall be uninterrupted and that there will be no delays, failures, errors, omissions or loss of transmitted information, or that no viruses or other contaminating or destructive properties shall be transmitted or occur to your software or hardware. Further, PLIL does not guarantee that any E-mail messages sent to the company over the Internet shall be completely secure.


Your Responsibility for Security

PLIL assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of Content. If you download or copy Content from this website, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing virus protection software.


No Liability

Neither PLIL, any of its agents, nor any other party involved in creating, producing, or delivering this website or Content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this website or any Content.


Additional Information

All information, other than personal information subject to PLIL;s Internet Privacy Policy, submitted to PLIL through this website or any related PLIL website is the property of PLIL. PLIL is free to use any ideas, concepts, know-how or techniques that you may submit to PLIL through this website for any purpose, including but not limited to, improving our services. We are not subject to any obligations of confidentiality regarding any submitted information except as specified in PLILa;s Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.



PLIL reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.



You may review PLIL Internet Privacy Policy at Privacy



This website does not intend to market any PLIL products or services to children less than thirteen (13) years of age. PLIL does not knowingly gather or solicit data from children under thirteen (13) years of age through this website for marketing purposes. By using this website you represent that you are not less than thirteen (13) years of age.


As per Regulation 3(d), IRDAI (Manner of Receipt of Premium) Regulations, 2002, in case, the proposer/policy holder opts for premium payment through credit/debit card, the payment must be made only through credit/debit card issued on the name of such proposer/policyholder.


In case the transaction is being declined, the policy holder is liable to pay the outstanding premium by any other premium payment option as per the terms and conditions of the policy issued, failing which the policy will become lapsed due to non-payment of premium in accordance to the policy terms and conditions. However, in case of new application / proposal form, the policy shall not be issued in case the transaction is being declined.


Authorization will remain in effect till intimated otherwise by the policy-holder or revocation or termination of the Standing Instructions.


If there is some change or renewal of the Credit/Debit Card or any details relating to the Credit/Debit Card, it should be intimated within one month before the due date to Pramerica Life Insurance Limited.


If payment date falls on Sunday or Public holiday the same will be effected next working day.


For termination of Standing Instructions, the policy-holder can contact any of the touch points of Pramerica Life Insurance Limited.


Please Note: PLIL has after receiving necessary approvals from the Insurance Regulatory Development Authority of India (IRDAI) and commenced business from 1st September 2008.