बचत र जीवन सुरक्षा
प्रवेश आयु
18 वर्ष
न्यूनतम प्रिमियम
रु. 12,000/वर्ष
लॉयल्टी बोनस
ग्यारेन्टीड 3% (औसत खाता मूल्य)
Coverage
रु. 1.2 लाख (NPR 1.2 Lakh)
Description
A universal life insurance plan that helps save and accumulate funds for the future while providing life cover for the policyholder.
Features
- Universal life plan — lifetime cover while premiums are paid
- Builds savings/account value over time
- Minimum regular premium NPR 12,000; single premium min NPR 30,000
- Sum assured examples: regular NPR 120,000; single NPR 37,500
- Policy loan up to 90% of surrender value
- Surrender value payable after 3 policy anniversaries (subject to conditions)
- Includes Accidental Death Benefit (ADB), Permanent Total Disability (PTD), Permanent Partial Disability (PPD)
Highlights
- Opportunity to grow wealth in addition to protection +savings
- Policy loan up to 90% of surrender value
- Includes ADB / PTD / PPD coverage
Life Insurance Details
Available Riders
When injury results in loss of life of an insured within one hundred eighty-three (183) days from the date of the accident, the insurer will pay the lump sum of ADB Sum Assured, and Sum Assured or Account Value on date of death whichever is higher.
Permanent Total Disability (PTD) When, as the result of injury and commencing within three hundred and sixty-five (365) days from the date of accident, the insured is Totally and Permanently Disabled or has suffered from below mentioned losses the insurer shall pay the PTD Sum Assured, and Account value on date of accident.
ermanent Partial Disability (PPD): When, as the result of injury and commencing within the 120 days from the date of accident, the insured is Partially and Permanently Disabled the insurer will pay for the few mentioned losses
Eligibility
Age18 - 55 years
Policy Term10 - 20 years