20-Year Agrim bhuktani( Money-Back Plan)
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. A 20-year participating money-back life insurance plan providing periodic survival benefits, surrender value and loan facility.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 20 | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 70/ 1,000
- FY 2080/81
- Rs 70/ 1,000
- FY 2079/80
- Rs 70/ 1,000
- FY 2078/79
- Rs 65/ 1,000
- FY 2077/78
- Rs 65/ 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
- नाफामा सहभागि मनी-ब्याक योजना
- १०/१५/२० वर्षमा जीवित लाभ
- समर्पण र ऋण सुविधा
- भुक्तानीमा छुट
Features
- नाफामा सहभागि (participating plan)
- बीमा अवधि: २० वर्ष, परिपक्वता उमेर अधिकतम: ६५ वर्ष
- न्यूनतम बीमाङ्क: रु. ५०,०००
- समर्पण मूल्य (surrender value) र ऋण उपलब्ध
- जीवित लाभ वितरण: १० वर्षमा, १५ वर्षमा, परिपक्वतामा
- मृत्युमा बचेका जीवित लाभ कटौती नगरी बीमाङ्क र बोनस एकमुष्ठ भुक्तानी
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 + Bonus (lump sum)
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: 10th year 20% of SA, 15th year 30% of SA, Maturity (20th year) 50% of SA + regular bonus
If death is caused by an accident
This plan states: Available as rider
Optional riders
दुर्घटना मृत्यु लाभ
थप शुल्कमा ऐच्छिक दुर्घटना मृत्यु लाभ।
स्थायी पूर्ण अशक्तता लाभ
ADB सँग उपलब्ध ऐच्छिक स्थायी पूर्ण अशक्तता लाभ।
बीमाशुल्क छुट सुविधा
ADB र PTD सँग उपलब्ध ऐच्छिक बीमाशुल्क छुट सुविधा।
Accidental Death Benefit
Optional accidental death benefit with additional price.
Permanent Total Disability Benefit
Optional PTD benefit available with ADB.
Premium Waiver Benefit
Optional PWB benefit available with ADB and PTD.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request