Money Back
न्यूनतम बीमित रकम
रु.50,000
नीति अवधि
15 / 20 / 25 वर्ष
अधिकतम परिपक्वता उमेर
70 वर्ष
Coverage
रु. 50,000 रु.
Based on Source of Income
Description
Periodic money-back plan providing partial survival payouts every 5 years while maintaining full risk cover; maturity/death payable with vested bonus. Anticipated endowment (money-back) product.
Features
- Money-back survival payouts every 5 years
- Policy terms available: 15 / 20 / 25 years
- Death benefit: Full Sum Assured + Vested Bonus
- Loan facility available after surrender value
- Tax benefits
- Optional riders: Accidental Death, Income Benefit, Premium Waiver, Funeral Expenses, Critical Illness (up to NPR 5,000,000)
Highlights
- Periodic money-back every 5 years
- Death benefit: Full Sum Assured + Vested Bonus
- Terms: 15 / 20 / 25 years
- Loan facility & tax benefits
- Critical Illness rider up to NPR 5,000,000
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 (IB)-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 listed illnesses, max limit up to NPR 5,000,000)
Eligibility
Age18 - 55 years
Policy Term15, 20, 25 years