Anticipated Endowment Life Assurance
by Rastriya Jeevan Beema Company
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. You also receive part of the cover amount at set points during the term, not only at the end. Rastriya Jeewan Beema's Anticipated Endowment plan — a traditional endowment life policy combining life protection with savings, offering maturity benefits plus anticipated bonuses.
Maturity estimator
Estimated value at maturity
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15 | Rs 60 | Rs 60 |
| 20 | Rs 60 | Rs 60 |
| 25 | Rs 60 | Rs 60 |
Recent years
- FY 2081/82
- Rs 60/ 1,000
- FY 2080/81
- Rs 60/ 1,000
- FY 2079/80
- Rs 65/ 1,000
- FY 2078/79
- Rs 65/ 1,000
- FY 2077/78
- Rs 65/ 1,000
Source: Rastriya Jeevan Beema Company declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- Traditional endowment with anticipated bonuses
- Death benefit protects family
- Flexible premium modes
Features
- Life protection with guaranteed sum assured
- Anticipated bonuses (declared periodically)
- Maturity benefit (sum assured + bonuses)
- Policy loan facility against surrender value
- Multiple premium payment modes
Terms and conditions
- 1) Loan facility up to 90% of the surrender value is available after three years of premium payments. This facility can be used multiple times as long as the policy is active, with interest rates as per company practice.
- 2)If the insured dies before the policy term ends, the full sum assured and accrued bonus up to that period will be paid as a lump sum to the family, without deducting previously received installments.
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
This plan states: Sum Assured + Bonuses
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Sum Assured + Bonuses
If death is caused by an accident
This plan states: Additional benefit available via rider
Optional riders
Accidental Death Benefit (ADB)
Additional accidental death benefit can be obtained by paying an additional premium of Re. 1 per thousand.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
What's not covered
- Suicide within exclusion period
- War, civil commotion, or illegal act
- Undisclosed pre-existing conditions
Questions about this plan
What kind of plan is Anticipated Endowment Life Assurance?
Anticipated Endowment Life Assurance from Rastriya Jeevan Beema Company is a money-back plan that releases part of the sum assured at set points during the term instead of only at the end.
Who can buy Anticipated Endowment Life Assurance?
The entry age for Anticipated Endowment Life Assurance is 16 – 60 years.
How long does Anticipated Endowment Life Assurance run?
The policy term for Anticipated Endowment Life Assurance is 10 – 30 years.
How much cover can I take on Anticipated Endowment Life Assurance?
The sum assured available on Anticipated Endowment Life Assurance is Rs 50,000 – Rs 1,00,00,000.
What bonus rate does Anticipated Endowment Life Assurance earn?
For FY 2081/82, Rastriya Jeevan Beema Company declared Rs 60–60 / 1,000 of sum assured on Anticipated Endowment Life Assurance. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
Sum Assured + Bonuses
What is paid when Anticipated Endowment Life Assurance matures?
Sum Assured + Bonuses
Which riders can be added to Anticipated Endowment Life Assurance?
Anticipated Endowment Life Assurance can be taken with the following optional riders: Accidental death (ADB). Each rider carries its own premium.
Premium
Quote on request