SuryaJyoti Professional Endowment Insurance Policy
Endowment
About this plan
A corporate-targeted long-term endowment life insurance plan providing protection against death and disability during the policy term and a guaranteed maturity benefit with accrued bonuses at the end of the term.
What's included
Key highlights
- Minimum SA NPR 1,500,000
- Policy term 5–52 years
- Rider coverage up to NPR 10,000,000 (subject to terms)
Features
- Minimum Sum Assured NPR 1,500,000
- Entry age 18–65 years
- Death benefit: Basic Sum Assured + accrued bonuses
- Maturity benefit: Basic Sum Assured + accrued bonuses
- Optional riders: ADB, TPD, Premium Waiver (additional premium)
- TPD benefit payable in 120 monthly instalments
- Can be used as security for corporate loans
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- Minimum 5 years, Maximum 52 years
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-9 | Rs. 40 |
| 10-14 | Rs. 41 |
| 15-19 | Rs. 45 |
| 20-24 | Rs. 54 |
| 25-29 | Rs. 60 |
| 30 and above | Rs. 70 |
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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Premium
Quote on request