20-Year Agrim bhuktani( Money-Back Plan)
Money-backPopular
Sum assured
Rs 50,000
Premium / yr
Rs 3,000
Term
20 yrs
Entry age
18–45
About this plan
A 20-year participating money-back life insurance plan providing periodic survival benefits, surrender value and loan facility.
What's included
Key highlights
- Participating money-back plan
- Survival payouts at 10/15/20 years
- Surrender and loan facility
- Payment discounts
Features
- Participating/profit-sharing plan
- Minimum sum assured: NPR 50,000
- Surrender value and loan facility available
- Payment discounts: annual 2%, semi-annual 1%
- Survival benefits: 10yr, 15yr, maturity (20yr)
- On death, sum assured + bonus paid in lump sum (paid-back amounts not deducted)
Eligibility & term
- Entry age
- 18 – 45 years
- Policy term
- 20 years
- Sum assured
- From Rs 50,000
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- Sum Assured + Bonus (lump sum)
- Maturity benefit
- Money-back payouts: 10th year 20% of SA, 15th year 30% of SA, Maturity (20th year) 50% of SA + regular bonus
- Accidental benefit
- Available as rider
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
Accidental Death Benefit (ADB)
Additional benefit on accidental death, payable as per rider terms
Permanent Total Disability (PTD)
Benefit on permanent total disability as per rider terms
Premium Waiver Benefit (PWB)
Waives future premiums on specified events (as per rider)
Loan & liquidity
- Policy loan
- Available
- Partial withdrawal
- No
Other plans from Asian Life Insurance
Premium / yr
Rs 3,000