Anticipated Endowment
वार्षिक बाँच्ने लाभ
5% बीमाङ्क
न्यूनतम बीमाङ्क
रु. 4,00,000
प्रवेश उमेर
18–65 वर्ष
Coverage
रु. 4 लाख (NPR 4 Lakh)
Based on Source of Income
Description
Pays 5% of Sum Assured annually on each policy anniversary. Death benefit: Full Sum Assured plus vested bonus. Survival benefit: 5% of SA each year; on maturity remaining SA plus vested bonus is paid. Flexible premium payment terms (Regular, Single, Limited). Optional riders available. Minimum Sum Assured NPR 400,000.
Features
- Pays 5% of Sum Assured annually on each policy anniversary
- Death benefit: Full Sum Assured + Vested Bonus
- Maturity: Remaining Sum Assured (after prior annual survival payments) + Vested Bonus
- Loan facility available (after policy acquires surrender value)
- Tax benefits
- Optional riders: Accidental Death, Income Benefit, Premium Waiver, Funeral Expenses, Critical Illness (21 illnesses, up to specified limits)
Highlights
- 5% annual survival benefit
- Full Sum Assured + Vested Bonus on death
- Minimum Sum assured NPR 400,000
- Flexible premium payment terms (Regular/Single/Limited)
Life Insurance Details
Money Back Policy
Available Riders
Accidental Death Benefit-For additional premium, on the event of death of the life assured during the rider policy term due to accident before age 70 years, an additional sum equal to the Rider Sum Assured of this rider will be paid.
Income Benefit (Monthly/Quarterly Income Benefit)-In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a regular Monthly Income Benefit of 1.0% or 1.5% or 2.0% or 3.0% of Rider Sum Assured (as mentioned in policy schedule of policy taken), OR, Quarterly Income Benefit (QIB) 3.0% or 4.5% or 6.0% or 9.0% of Rider Sum Assured
Lump-Sum Disability Benefit-In the event of permanent total disability of life assured due to any cause (sickness or accident) during policy term, a lump-sum amount equal to Rider Sum Assured will be payable.
Premium Waiver Benefit (PWB)-On the event of permanent total disability of the life assured due to any cause (accident or sickness) during the policy term to which the rider is attached, all future premiums payable under the base policy equal to Sum Assured of this rider shall be waived.
Funeral Expenses Benefit-On the event of death of life assured during the policy term to which the rider is attached, lump sum amount equal to 25% of Sum assured or 200,000 whichever is less will be paid immediately.
Critical Illness Rider (21 illnesses)-Upon, life assured, being diagnosed with onset of any of the listed 21 Critical Illness during the term of policy, a lump sum amount equivalent to the Sum Assured of the rider will be paid. Sum Assured of CI rider is maximum Rs. 5,000,000/- or Basic Sum assured
Eligibility
Age18 - 65 years
Policy Term5 to 20 years