NavaRatna Endowment (Limited Pay)
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 participating endowment life insurance plan. Multiple policy terms and premium payment durations, minimum sum assured NPR 50,000. Sum assured plus bonus paid on maturity or on death.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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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
- न्यूनतम प्रवेश उमेर १८ वर्ष
- अधिकतम प्रवेश उमेर ६५ वर्ष
- नीति अवधि ५–३० वर्ष
Features
- सहभागी (नाफामा सहभागी) नव रत्न एन्डाउमेन्ट
- न्यूनतम बीमाङ्क रु. ५०,०००
- धेरै सीमित प्रिमियम भुक्तानी अवधि विकल्पहरू उपलब्ध छन्
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
If the policy runs to maturity
This plan states: Sum Assured + Bonus
If death is caused by an accident
This plan states: Available via rider
Optional riders
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request