Sunishchit Pratiphal Plan
Sum assured
On request
Premium / yr
Rs 25,000
Term
16–20 yrs
Entry age
18–44
About this plan
A limited-premium endowment plan providing guaranteed maturity benefits at policy end along with death and optional rider covers for accidental death, disability and critical illness.
What's included
Key highlights
- Entry age 18 years
- Policy term: 16 or 20 years
- Limited premium payment: 5 or 7 years
Features
- Minimum annual premium NPR 25,000
- Guaranteed maturity multipliers (16 yrs = 2x, 20 yrs = 2.5x)
- Limited premium paying term (5 or 7 years)
- Optional riders availiable
- Death benefit based on premium selected and death benefit rate
Eligibility & term
- Entry age
- 18 – 44 years
- Policy term
- 16 years & 20 years
- Premium modes
- Yearly, Half-yearly, Quarterly
Benefits payout
- Death benefit
- Calculated based on premium selected and applicable death benefit rate
- Accidental benefit
- Sum assured or 10,000,000 NPR whichever is lower
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 10,000,000 NPR whichever is lower
Permanent Total Disability (PTD)
Sum assured or 10,000,000 NPR payable in 120 monthly installments; premiums waived if due to accident
Premium Waiver Benefit (PWB)
Future premiums waived on PTD due to accident
Critical Illness (CI)
On diagnosis of specified critical illness, additional amount equal to sum assured or 5,000,000 NPR whichever is lower
Loan & liquidity
- Paid-up value
- Yes
- Partial withdrawal
- No
Other plans from Sanima Reliance Life Insurance
Premium / yr
Rs 25,000