Money-back + Whole Life
Entry Age
18–65
Min Sum Assured
रु.200,000
Survival Benefit
SA को 5% वार्षिक
Coverage
रु. 2 लाख (NPR 2 Lakh)
NPR
Description
A participating whole-life cum money-back plan. The policy pays 5% of the Basic Sum Assured annually from the 2nd year until maturity. After maturity the life risk remains covered for life and there is an option to surrender the policy for liquidity.
Features
- Whole-life cum money-back participating plan
- Pays 5% of Sum Assured annually from 2nd year until maturity
- Life cover continues after maturity
- Policy loan available up to 90% of surrender value
- Surrender value is available during /after the policy term (extended life cover period).
- Single-premium death benefit special rules
Highlights
- 5% of SA paid annually as survival benefit
- Whole-life cover continues after maturity
- Minimum Sum Assured: NPR 200,000
Life Insurance Details
Money Back Policy
Available Riders
Accidental Death Benefit (ADB)- It can be taken with payment of additional premium per thousand. In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.
ADB + Permanent Total Disability (PTD) + Premium Waiver Benefit (PWB)-Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 100,00,000/- whichever is less.
Critical Illness Benefit-If the life assured is diagnosed with specific illness defined under this plan during the policy term, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured.
Bonus Rate (per Rs. 1,000)
15-19 yrsRs. 55
10-14 yrsRs. 50
20+ yrsRs. 60
5-9 yrsRs. 48
Eligibility
Age18 - 65 years
Policy Term5 to 20 years