Jeevan Sanjeevani (Advance Payment Endowment & Whole Life)
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. Endowment and whole-life plan with advance/payment instalment (money-back) options and additional whole-life payments; provides maturity and death benefits plus optional accidental and waiver riders.
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 44 | Rs 44 |
| 15-19 | Rs 44 | Rs 44 |
| 20-24 | Rs 46 | Rs 46 |
| 25+ | Rs 55 | Rs 55 |
Recent years
- FY 2081/82
- Rs 44–55/ 1,000
- FY 2080/81
- Rs 44–55/ 1,000
- FY 2079/80
- Rs 42–50/ 1,000
- FY 2078/79
- Rs 42–50/ 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
- अवधी भुक्तानी (Money-back) किस्ता उपलब्ध
- परिपक्वता तथा मृत्यु दुवैमा बीमाङ्क र बोनस भुक्तानी
- भुक्तानी तरिका र ठूलो बिमाङ्कमा छुट
- ऐच्छिक: हादसा/अपाङ्ग र प्रिमियम वेभर राइडरहरू
Features
- न्यूनतम प्रवेश उमेर: १८ वर्ष
- अधिकतम बीमा समाप्ति उमेर: ७० वर्ष
- बीमा अवधी: ५, १०, १५, २० वा २५ वर्ष
- आवधिक बाँच्नको भुक्तानी (पैसा फिर्ता) र परिपक्वता बोनस प्रदान गर्दछ
- मृत्यु लाभ: बीमित रकम र उपार्जित बोनस एकमुष्ट भुक्तान गरियो
- ऐच्छिक राइडरहरू: ADB, ADB+PTD, ADB+PTD+PWB
Terms and conditions
- 1. If the insured dies before the expiry date of the policy while the policy is in force, the sum insured and the bonus amount earned by the policy will be paid in one lump sum.
- 2.If the insured dies at any time before the completion of 99 years after the insurance expiry date, the sum assured will be paid in addition;
- 3.If the insured is alive till the age of 99 years, the sum insured will be paid more to the insured, if the insured dies after the additional insurance has been paid, no amount will be paid. But in order to receive such additional payment, all insurance premiums under the insurance policy must be 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: Sum Assured + accrued bonuses (lump-sum if death before maturity)
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: Periodic instalments as per term schedule + accrued bonuses paid at maturity
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
ऐच्छिक दुर्घटना मृत्यु लाभ।
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक स्थायी अशक्तता लाभ।
बीमाशुल्क छुट सुविधा
ऐच्छिक बीमाशुल्क छुट सुविधा।
Accidental Death Benefit
Optional accidental death benefit.
Permanent Total Disability Benefit
Optional permanent disability benefit.
Premium Waiver Benefit
Optional premium waiver benefit.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request