Future Care DPS is a savings and protection plan that provides attractive maturity value and substantial accident benefits .Sum assured is determined as Annual Premium x Policy Term and accidental coverage is available up to specified limits.
What's included
Key highlights
- Entry age: 18–54 years
- Term: Min 5 yrs, Max 20 yrs
- Minimum annual premium: NPR 12,000
- Accidental coverage up to age 65
- Face Amount = Annual Premium x Policy Term (Max NPR 15,000,000)
- Pension (annuity) option available
Features
- Savings + protection combination
- Attractive projected maturity values (example yields shown at 7% and 9%)
- Substantial accidental coverage
- Option to convert maturity proceeds to life annuity (20-year guaranteed period)
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the sum assured, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured as a lump sum on the maturity date.
Typical for endowment plans — confirm the exact terms in the brochure.
Optional riders
Critical Illness Rider
Provides 100% of face amount as lump-sum payment upon diagnosis of any one of 11 covered critical illnesses.
Family Protection Rider
Waives premiums of the base policy and riders during the premium payment period in case of permanent and total disability due to accident or sickness.
Questions about this plan
What kind of plan is Future Care (DPS-Gold)?
Future Care (DPS-Gold) from MetLife Nepal is an endowment plan that pairs savings with life cover for a single adult, and suits people who want a guaranteed amount on a fixed future date.
Who can buy Future Care (DPS-Gold)?
The entry age for Future Care (DPS-Gold) is 18 – 54 years.
How long does Future Care (DPS-Gold) run?
The policy term for Future Care (DPS-Gold) is 5-20 years.
How much cover can I take on Future Care (DPS-Gold)?
The sum assured available on Future Care (DPS-Gold) is From Rs 1,50,00,000.
Which riders can be added to Future Care (DPS-Gold)?
Future Care (DPS-Gold) can be taken with the following optional riders: PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request