Citizen Regular Pay Money Back Insurance Plan
Money-back
About this plan
An anticipated with-profit endowment (money-back) plan designed to pay periodic portions of the sum assured at specified intervals and provide life risk cover throughout the policy term.
What's included
Key highlights
- Money-back payouts at 1/3 and 2/3 term
- Policy loan up to 90% of surrender value
- Comprehensive rider options
- Maximum coverage NPR 20,000,000 available
Features
- Policy terms: 12, 15, 18 and 21 years
- Survival benefits: 25% at 1/3 term, 30% at 2/3 term, 45% + reversionary bonus at maturity
- Paid-up value and cash surrender value available
- Policy loan up to 90% of surrender value
- Rebates: Per-thousand Sum assured discount tiers and premium mode discounts availiable
Eligibility & term
- Entry age
- 18 – 55 years
- Policy term
- 12, 15, 18 and 21 Years
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 10-14 | Rs. 44 |
| 15-19 | Rs. 49 |
| 20-24 | Rs. 55 |
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)
No optional riders are attached to this plan.
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Premium
Quote on request