In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. You also receive part of the cover amount at set points during the term, not only at the end. Limited-pay endowment life insurance plan with profit participation. Provides surrender value and loan eligibility. Pays survival (money-back) benefits at specified policy years.
Maturity estimator
Estimated value at maturity
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10 | Rs 50 | Rs 50 |
| 12 | Rs 50 | Rs 50 |
| 15 | Rs 60 | Rs 60 |
| 18 | Rs 65 | Rs 65 |
| 20 | Rs 70 | Rs 70 |
| 25 | Rs 75 | Rs 70 |
Recent years
- FY 2081/82
- Rs 50–75/ 1,000
- FY 2080/81
- Rs 50–70/ 1,000
- FY 2079/80
- Rs 42–50/ 1,000
- FY 2078/79
- Rs 45–60/ 1,000
- FY 2077/78
- Rs 40–60/ 1,000
Source: Asian Life Insurance declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- Limited-pay endowment
- Entry age: 18–60 years
- Maximum maturity age: 70 years
Features
- Limited-pay endowment plan
- Profit participating (bonus eligible)
- Surrender value and loan available
- Survival (money-back) benefits at specified years
- Optional riders: accidental death, disability, premium waiver
Terms and conditions
- In case of death of the insured before the expiry of the insurance period:
- 2.5 times the Basic Sum Assured in case of single premium policy + bonus declared in the basic policy and vested in the policy and in case of regular premium policy the basic sum assured + bonus declared and vested in the policy without deducting the survival benefit already paid.
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
This plan states: For death before maturity: Single premium policies: 2.5 x basic sum assured + declared and vested bonuses. Regular premium policies: basic sum assured + declared and vested bonuses + previously paid survival benefits (without deducting paid survival benefits).
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for money-back plans — confirm the exact terms in the brochure.
Optional riders
Accidental Death Benefit
Optional accidental death benefit with additional price.
Permanent Total Disability Benefit
Optional PTD benefit available with ADB.
Premium Waiver Benefit
Optional PWB benefit available with ADB and PTD.
Loan & liquidity
- Policy loan
- Available
Questions about this plan
What kind of plan is Dhan Samriddhi?
Dhan Samriddhi from Asian Life Insurance is a money-back plan that releases part of the sum assured at set points during the term instead of only at the end.
Who can buy Dhan Samriddhi?
The entry age for Dhan Samriddhi is 18 – 60 years.
How long does Dhan Samriddhi run?
The policy term for Dhan Samriddhi is 10 – 25 years.
How much cover can I take on Dhan Samriddhi?
The sum assured available on Dhan Samriddhi is From Rs 50,000.
What bonus rate does Dhan Samriddhi earn?
For FY 2081/82, Asian Life Insurance declared Rs 50–75 / 1,000 of sum assured on Dhan Samriddhi. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
For death before maturity: Single premium policies: 2.5 x basic sum assured + declared and vested bonuses. Regular premium policies: basic sum assured + declared and vested bonuses + previously paid survival benefits (without deducting paid survival benefits).
Which riders can be added to Dhan Samriddhi?
Dhan Samriddhi can be taken with the following optional riders: Accidental death (ADB), PTD / PWB. Each rider carries its own premium.
Premium
Quote on request