Endowment + Whole Life
न्यूनतम बीमाङ्क
रु. 1,00,000
अधिकतम परिपक्वता उमेर
70 वर्ष
राइडर
ADB, ADB/TPD/PWB, Critical Illness
Coverage
रु. 1 लाख (NPR 1 Lakh)
Based on Source of Income
Description
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.
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
Highlights
- Riders available: ADB, TPD, Premium Waiver, Critical Illness
- Flexible policy term: 5–52 years
Life Insurance Details
Available Riders
Accidental Death Benefit (ADB)-Can be taken with a payment of Rs 1 per 1000. Maximum of 1,00,00,000 coverage provided
ADB/ TPD/ PWB- Can be taken with a payment of Rs 2.5 per 1000. Maximum of 1,00,00,000 coverage provided
Critical Illness Benefit (18/35 illnesses schedule). Upto 50,00,000 (Max) coverage provided
Bonus Rate
Range40 - 90 per thousand
Fiscal Year2080/81
Riders
ADB
Accidental Death Benefit
Critical Illness
Critical illness coverage
Premium Waiver
Premium waiver on disability
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
Claim Process
- 1Notify nearest branch
- 2Submit death certificate and policy
- 3Verification process
- 4Settlement within stipulated time
Eligibility
Age18 - 65 years
Policy Term5-52 yrs