Dhananjaya Yearly Moneyback Endowment
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. The Dhananjaya Yearly Moneyback Endowment provides annual moneyback payments and life cover. It pays 5% of the Sum Assured each policy anniversary, and on death during the policy term the nominee receives the full Sum Assured plus vested bonus.
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 |
|---|---|---|
| 0-19 | Rs 25 | Rs 23 |
| 20+ | Rs 25 | Rs 25 |
Recent years
- FY 2081/82
- Rs 25/ 1,000
- FY 2080/81
- Rs 23–25/ 1,000
- FY 2079/80
- Rs 25–27/ 1,000
- FY 2078/79
- Rs 40–70/ 1,000
- FY 2077/78
- Rs 20–30/ 1,000
Source: Sun Nepal Life Insurance 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
- 5% yearly money-back
- Minimum Sum Assured NPR 100,000
- Policy term 5–20 years
- Full protection on death: SA + vested bonus
Features
- Annual moneyback: 5% of Sum Assured each year
- Death benefit: Full Sum Assured + Vested Bonus
- Flexible policy term: 5–20 years
- Minimum Sum Assured: NPR 100,000
Terms and conditions
- Survival Benefit
- 1)Maurity Benefit
- At each policy anniversary, 5% of Sum Assured is payable to the policy holders
- At maturity, remaining sum assured plus vested bonus
- 2)Death Benefit
- On death of Life Assured during the term of Policy, Full Sum Assured + Vested Bonus will be paid
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: Full Sum Assured + Vested Bonus
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: Remaining Sum Assured + Vested Bonus
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for money-back plans — confirm the exact terms in the brochure.
Optional riders
Sun Medicare
Emergency medical rider
Accidental Death Benefit
Optional accidental death rider
Permanent Total Disability Benefit
Optional PTD rider
Critical Illness Benefit
Optional critical illness rider
Funeral Expense Benefit
Optional funeral expense rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
What's not covered
- Suicide within waiting period (per company terms)
- War and allied perils
- Undisclosed pre-existing conditions
Questions about this plan
What kind of plan is Dhananjaya Yearly Moneyback Endowment?
Dhananjaya Yearly Moneyback Endowment from Sun Nepal Life Insurance 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 Dhananjaya Yearly Moneyback Endowment?
The entry age for Dhananjaya Yearly Moneyback Endowment is 18 – 65 years.
How long does Dhananjaya Yearly Moneyback Endowment run?
The policy term for Dhananjaya Yearly Moneyback Endowment is 5 – 20 years.
How much cover can I take on Dhananjaya Yearly Moneyback Endowment?
The sum assured available on Dhananjaya Yearly Moneyback Endowment is From Rs 1,00,000.
What bonus rate does Dhananjaya Yearly Moneyback Endowment earn?
For FY 2081/82, Sun Nepal Life Insurance declared Rs 25–25 / 1,000 of sum assured on Dhananjaya Yearly Moneyback Endowment. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
Full Sum Assured + Vested Bonus
What is paid when Dhananjaya Yearly Moneyback Endowment matures?
Remaining Sum Assured + Vested Bonus
Which riders can be added to Dhananjaya Yearly Moneyback Endowment?
Dhananjaya Yearly Moneyback Endowment can be taken with the following optional riders: Accidental death (ADB), PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request