SuryaJyoti Surakshit Bhawishya Jeevan Beema
Whole lifePopular
Sum assured
Rs 1 L
Premium / yr
On request
Term
5–52 yrs
Entry age
18–65
About this plan
SuryaJyoti Surakshit Bhawishya Jeevan Beema is an endowment-cum-whole-life plan that provides lifelong cover and pays Basic Sum Assured with bonuses on maturity or to beneficiaries on death.
What's included
Key highlights
- Riders available: ADB, TPD, Premium Waiver, Critical Illness
- Flexible policy term: 5–52 years
Features
- Minimum Sum Assured NPR 100,000
- Policy term from 5 to 52 years
- Entry age 18–65 years
- Maximum maturity age 70 years
- Premium payment: Yearly, Half-yearly, Quarterly
- Maturity benefit: Basic Sum Assured + Bonus
- Optional riders: ADB, TPD, Premium Waiver, Critical Illness
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5-52 yrs
Declared bonus
Rs 40–90 / 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 (ADB)PTD / PWBCritical illness (CI)
ADB
Accidental Death Benefit
Critical Illness
Critical illness coverage
Premium Waiver
Premium waiver on disability
Loan & liquidity
- Surrender allowed
- After 3 years
- Surrender value
- 80% of paid premiums
- Loan facility
- Up to 90% of surrender value
- Grace period
- 30 days for annual
Pros & cons
Pros
- HIGHEST bonus rates in Nepal - Rs 90 per 1000 SA (Chaurasi Puja plan)
- 200+ branches - one of the widest networks
- Merged entity of Surya Life + Jyoti Life - strong capital base
- Competitive premium rates
- Extensive product portfolio
Cons
- Merged company - still integrating systems (may cause delays)
- Bonus rates vary widely by product (Rs 40-90)
- Brand recognition still building post-merger
- Some products inherited from pre-merger may be discontinued
What affects your premium
- Age at entry
- Sum assured
- Policy term (15-25 years)
- Specific product selected (affects bonus)
How to claim
- 1Notify nearest branch
- 2Submit death certificate and policy
- 3Verification process
- 4Settlement within stipulated time
Best for
Bonus seekersWide network usersLarge policy holdersLong-term investors
What's not covered
- Suicide within first 2 years
- Pre-existing undisclosed conditions
- Death from criminal activity
Other plans from SuryaJyoti Life Insurance
Premium
Quote on request