SuryaJyoti Chaurasi Puja Jeevan Beema
Money-back
About this plan
Long-term life insurance plan offering regular income (anticipated payouts) after premium payment term. Pays vested bonus at end of premium term and then 6% of basic sum assured annually until one year before maturity; maturity benefit is 150% of sum assured. Offers single-payment and limited premium-payment options.
What's included
Key highlights
- 6% annual survival payout
- 150% of Sum assured at maturity
- Min Sum assured NPR 100,000
Features
- Premium modes: Yearly, Half-yearly, Quarterly
- Vested bonus at end of premium term plus 6% of SA paid annually until one year before maturity
- Maturity benefit: 150% of Sum Assured
- Death benefits: 250% SA + bonus during premium term; 200% SA + bonus after premium term before age 70
- Optional riders: Accidental Death Benefit, TPD, Premium Waiver
Eligibility & term
- Entry age
- 18 – 60 years
- Policy term
- Premium payment term 10–50 years
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-9 | Rs. 0 |
| 10-14 | Rs. 45 |
| 15-19 | Rs. 50 |
| 20-24 | Rs. 55 |
| 25-29 | Rs. 65 |
| 30 and above | Rs. 70 |
| 0-9 | Rs. 0 |
| 10-14 | Rs. 75 |
| 15-19 | Rs. 80 |
| 20-24 | Rs. 85 |
| 25-29 | Rs. 90 |
| 30 and above | Rs. 90 |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
Bonus & maturity projection
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
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