Jeevan Ratna (Limited-Pay Endowment)
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. A limited-pay endowment policy where premiums are paid for a limited period to secure long-term insurance benefits. Sum assured starts from NPR 50,000.
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 61 | Rs 45 |
| 15-19 | Rs 62 | Rs 48 |
| 20-24 | Rs 64 | Rs 55 |
| 25+ | Rs 75 | Rs 62 |
Recent years
- FY 2081/82
- Rs 61–75/ 1,000
- FY 2080/81
- Rs 45–62/ 1,000
- FY 2079/80
- Rs 45–65/ 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 अन्तर्गत दीर्घकालीन सुरक्षा
- ३ वर्षपछि समर्पण मूल्य र ऋण सुविधा
- प्रिमियम भुक्तानी विधिमा छुट
Features
- प्रवेश उमेर: १८ वर्ष- ६० वर्ष
- न्यूनत्तम अवधि: ५ वर्ष, अधिकतम अवधि: ५४ वर्ष
- न्यूनतम बीमाङ्क: रु ५०,०००
- चुक्ता मूल्य/समर्पण मूल्य उपलब्ध (३ वर्षको प्रिमियम भुक्तानीको पछाडि)
- बीमालेखमा धितो राखेर कर्जा सुविधा (३ वर्षपछि)
- बढी बीमाङ्कमा छुट र प्रिमियम भुक्तानी विधिमा छुट
- राइडर विकल्प: दुर्घटना मृत्यु लाभ (ADB); ADB+PTD+PWB
Terms and conditions
- 1. Price paid:This policy will receive a cash-up value or surrender value in case of participating in profits and paying premiums for three years.
- 2. Loan facility:Loan facility can be availed on the collateral of the insurance policy in case of payment of insurance fee for three years.
- 3. Main features:Worry free facility by paying insurance premiums in short term for long term insurance
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
This plan states: Sum assured plus declared bonuses (participating policy)
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
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