Citizen Annual Money Back Insurance Plan
Money-back
About this plan
A participating (with‑profits) money‑back life insurance plan designed for people needing periodic cash flow (businesses, loan repayments). Provides annual survival benefits, vested reversionary bonuses, full sum assured on death and maturity benefits subject to survival benefit adjustments.
What's included
Key highlights
- 5% annual survival benefit
- Participating plan with reversionary bonuses
- Flexible premium modes (Yearly/Half‑yearly/Quarterly/Single)
Features
- Participating (with‑profits) money‑back plan
- Entry age 18–65 years; max maturity age 70 years
- Policy term 5–20 years
- Annual survival benefit of 5% of Sum Assured
- At maturity survival installments paid/adjusted are deducted; remaining sum with vested bonus is paid
- On death full Sum Assured + vested bonus paid to nominee (survival installments not deducted)
- Premium modes: Yearly, Half‑yearly, Quarterly, Single premium option
- Riders available: ADB, PTD, PWB, MIB, FE, Citizen Critical Care
- Paid‑up value, cash surrender value and policy loan as admissible
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5 to 20 years
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-9 | Rs. 25 |
| 10-14 | Rs. 27 |
| 15-19 | Rs. 27 |
| 20-24 | Rs. 28 |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
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