Dhan Samriddhi
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. Limited-pay endowment life insurance plan with profit participation. Provides surrender value and loan eligibility. Pays survival (money-back) benefits at specified policy years.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10 | Rs 50 | Rs 50 |
| 12 | Rs 50 | Rs 50 |
| 15 | Rs 60 | Rs 60 |
| 18 | Rs 65 | Rs 65 |
| 20 | Rs 70 | Rs 70 |
| 25 | Rs 75 | Rs 70 |
Recent years
- FY 2081/82
- Rs 50–75/ 1,000
- FY 2080/81
- Rs 50–70/ 1,000
- FY 2079/80
- Rs 42–50/ 1,000
- FY 2078/79
- Rs 45–60/ 1,000
- FY 2077/78
- Rs 40–60/ 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
- सीमित भुक्तानी सावधिक योजना
- प्रवेश उमेर: १८–६० वर्ष
- परिपक्वता अधिकतम उमेर: ७० वर्ष
Features
- सीमित भुक्तानी सावधिक योजना
- नाफामा भाग (participating policy)
- समर्पण मूल्य र ऋणको लागि योग्य
- जीवित लाभ (money-back) निर्धारित वर्षहरूमा
- अतिरिक्त लाभ (राइडर): दुर्घटना मृत्यु, अपाङ्गता, बीमाशुल्क छुट
Terms and conditions
- In case of death of the insured before the expiry of the insurance period:
- 2.5 times the Basic Sum Assured in case of single premium policy + bonus declared in the basic policy and vested in the policy and in case of regular premium policy the basic sum assured + bonus declared and vested in the policy without deducting the survival benefit already paid.
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: For death before maturity: Single premium policies: 2.5 x basic sum assured + declared and vested bonuses. Regular premium policies: basic sum assured + declared and vested bonuses + previously paid survival benefits (without deducting paid survival benefits).
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
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for money-back plans — confirm the exact terms in the brochure.
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