15-year Agrim Bhuktani (Savadhik) Plus
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. You also receive part of the cover amount at set points during the term, not only at the end. 15-year money-back (periodic) life plan with payouts at 5, 10 and 15 years plus reversionary and terminal bonuses.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 38 | Rs 38 |
| 15-19 | Rs 42 | Rs 42 |
| 20-24 | Rs 44 | Rs 44 |
| 25+ | Rs 44 | Rs 56 |
Recent years
- FY 2081/82
- Rs 38–44/ 1,000
- FY 2080/81
- Rs 38–56/ 1,000
- FY 2079/80
- Rs 42/ 1,000
- FY 2078/79
- Rs 60/ 1,000
- FY 2077/78
- Rs 55/ 1,000
Source: एसियन लाइफ इन्स्योरेन्स declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- 5,10 र 15 वर्षमा नियमित भुक्तानी
- टर्मिनल बोनस न्यूनतम १० वर्षपछि
- 15 वर्षको निश्चित नीति अवधि
Features
- बीमितको मरण भएमा परिपक्वता अगावै बीमाङ्क र आर्जित बोनस भुक्तानी
- बोनश: सिम्पल रिभर्सनरी बोनस र टर्मिनल बोनस (टर्मिनल बोनसका लागि न्यूनतम १० वर्ष सक्रिय हुनुपर्ने)
- समर्पण मूल्य: तीन वर्षपछि समर्पण मूल्य प्राप्त हुने
- समर्पण मूल्यको धितोमा कर्जा उपलब्ध (कानुनी स्वामित्व प्रमाणित गरेपछि)
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 + Accrued Bonuses
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Money-back payouts (25% at 5 yrs, 25% at 10 yrs, 50% at 15 yrs) + Accrued Bonuses
If death is caused by an accident
This plan states: Sum Assured + Accrued Bonuses
Optional riders
Accidental Death Benefit (ADB)
Additional death benefit paid if death is caused by an accident.
ADB + PTD + Premium Waiver Benefit (PWB)
Covers accidental death, permanent disability and waives remaining premiums.
Critical Illness (CI)
Lump-sum benefit on diagnosis of a specified critical illness.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Non-scheduled or non-regular flights (other than regular licensed airline route)
- Participation in war or warlike operations (whether declared or not)
- Breach of civil or criminal law / commission of criminal acts
- Suicide within two years from commencement or revival of the policy
- Other standard exclusions as per policy terms
Premium
Quote on request