Jeevan Mangal Endowment Life Insurance 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. An endowment (regular premium) life insurance plan that provides life cover during the policy term and a maturity benefit with declared bonuses (participating plan).
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2080/81
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 45 | Rs 45 |
| 15-19 | Rs 48 | Rs 50 |
| 20-24 | Rs 55 | Rs 57 |
| 25+ | Rs 62 | Rs 65 |
Recent years
- FY 2081/82
- Rs 38–75/ 1,000
- FY 2080/81
- Rs 45–62/ 1,000
- FY 2079/80
- Rs 45–65/ 1,000
- FY 2078/79
- Rs 42–75/ 1,000
- FY 2077/78
- Rs 40–75/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: एसियन लाइफ इन्स्योरेन्स declaration for FY 2080/81
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- बोनस सहितको परिपक्वता लाभ
- नियमित प्रिमियम भुक्तानी
- ऋण र सरेन्डर सुविधा
Features
- बीमा अवधिमा जीवन सुरक्षा
- परिपक्वतामा मुख्य रकम र बोनस भुक्तानी
- ऋण तथा सरेन्डर सुविधा 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
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
Premium
Quote on request