Saral Endowment Policy

An affordable protection-cum-savings plan that provides financial protection and encourages regular savings over the policy term. Suitable as an alternative retirement or future corpus-building plan.

Entry age

18 – 60 years

Policy term

7 – 52 years

Sum assured

From Rs 25,000

Premium modes

Single, Yearly, Half-yearly, Quarterly, Monthly

Death benefit

Sum Assured + Bonus Declared and Vested

Maturity benefit

Sum Assured + Bonus Declared and Vested

Accidental benefit

Additional amount equal to Sum Assured or NPR 10,000,000 whichever is lower

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 amount equal to Sum Assured or NPR 10,000,000 whichever is lower

• Permanent Total Disability (PTD)

  Sum Assured or NPR 10,000,000 whichever is lower payable in 120 monthly installments (balance on maturity if remaining term <120 months)

• Premium Waiver Benefit (PWB)

  Future premiums waived after PTD due to accident

• Critical Illness (CI)

  Onset of specified critical illnesses, additional amount equal to Sum Assured or NPR 5,000,000 whichever is lower

Policy loan

Available

Surrender allowed

After 3 years

Paid-up value

Yes

Partial withdrawal

No