Limited Paying Endowment-cum-Whole Life Policy

A limited-paying endowment cum whole life policy that combines endowment benefits with lifelong insurance coverage. Offers flexible payment options (single and limited payment terms).

Entry age

18 – 65 years

Policy term

5 – 30 years

Sum assured

From Rs 50,000

Premium modes

Single, Yearly, Half-yearly, Quarterly, Monthly

Death benefit

During endowment term: Sum Assured + declared & vested bonus; Post endowment term: Sum Assured (survival benefits already paid not deducted)

Maturity benefit

At end of endowment term: Sum Assured + declared & vested bonus and policy becomes fully paid-up whole life

Accidental benefit

Additional amount equal to Sum Assured or NRs.10,000,000 whichever is lower (ADB up to age 70)

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.

• Accidental Death Benefit (ADB)

  Additional sum equal to Sum Assured or NRs.10,000,000 whichever is lower (available up to age 70).

• Permanent Total Disability (PTD)

  Sum Assured or NRs.10,000,000 whichever is lower payable in 120 monthly installments; premium waiver and other conditions apply (available up to age 70).

• Premium Waiver Benefit (PWB)

  Waives future premiums on occurrence of covered permanent total disability due to accident.

Paid-up value

Yes

• Suicide within policy-specific waiting period (as per company rule)
• War, invasion, civil commotion, nuclear risks
• Losses due to participation in criminal acts