Dhanapati – Money Back Plan
About this plan
A money-back endowment plan providing periodic survival payouts to meet financial obligations at key life stages while maintaining full risk coverage of the sum assured during the policy term.
What's included
Key highlights
- Periodic survival payouts
- Death benefit: Sum Assured + Bonus
- Optional riders available
Features
- Death benefit: Sum Assured + declared and vested bonuses
- Survival benefit: fixed percentage of Sum Assured paid periodically
- Policy terms available: 12, 15 and 20 years
- Optional riders: ADB, PTD, Premium Waiver, Critical Illness
- Sum Assured band rebates per thousand (NRs 1 / NRs 2)
Eligibility & term
- Entry age
- 18 – 50 years
- Policy term
- 12, 15 or 20 years
- Sum assured
- From Rs 50,000
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- Sum Assured + declared and vested bonus
Declared bonus
Rs 19–70 / 1,000
FY 2080/81
Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental Death Benefit (ADB)
Additional amount equal to sum assured or NRs 1,00,00,000 whichever is lower
Permanent Total Disability (PTD)
Sum assured or NRs 1,00,00,000 whichever is lower payable in 120 monthly installments (balance lump sum if remaining term <120 months)
Premium Waiver Benefit (PWB)
Waives future premiums after PTD due to accident
Critical Illness (CI)
On diagnosis of covered critical illness, additional amount equal to sum assured or NRs 50,00,000 whichever is lower
Other plans from Sanima Reliance Life Insurance
Premium
Quote on request