CML Micro Non-Par Endowment (Regular)
by क्रेस्ट माइक्रो लाइफ इन्स्योरेन्स
CML Micro Non-Par Endowment (Regular) is a micro life insurance plan designed to provide affordable protection with a guaranteed annual addition of Rs.45 per Rs.1,000 of sum assured. On death during the policy term the Sum Assured plus accumulated guaranteed additions is paid as a lump sum; on survival at maturity the Sum Assured plus accrued guaranteed additions is paid.
What's included
Key highlights
- वार्षिक सुनिश्चित थप रु.45/रु.1000
- बीमाङ्क रु.10,000–5,00,000
- बीमा अवधि 5–25 वर्ष
Features
- प्रति रु.1000 मा वार्षिक ग्यारेन्टी गरिएको थप रु.45
- मृत्यु अवस्थामा बीमाङ्क र जम्मा ग्यारेन्टी थप प्रदान
- परिपक्वतामा बीमाङ्क र जम्मा ग्यारेन्टी थप प्रदान
- बीमाङ्क रु.10,000 देखि रु.5,00,000 सम्म
- कम्पनी नियम अनुसार पोलिसी ऋण / समर्पण मूल्य / चुक्ता मूल्य
- राइडर: (अतिरिक्तरुपमा उपलब्ध)
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: Sum Assured + Accumulated Guaranteed Addition (Rs.45 per Rs.1000 per year)
If the policy runs to maturity
This plan states: Sum Assured + Accumulated Guaranteed Addition (Rs.45 per Rs.1000 per year)
If death is caused by an accident
This plan states: Available as rider (sum assured or additional as per rider terms)
Optional riders
Accidental Death Benefit
Optional rider providing additional benefit on accidental death
Total Permanent Disability
Optional rider providing benefit on total permanent disability
Premium Waiver Benefit
Optional rider that waives future premiums under specified conditions
Loan & liquidity
- Policy loan
- Available
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Suicide (as per policy terms)
- War and nuclear perils
- Self-inflicted injury
- Undisclosed pre-existing conditions
Premium
Quote on request