Citizen Endowment Plus 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. A with-profit endowment life insurance plan that pays sum assured plus bonuses at maturity or to beneficiaries on untimely death. Provides double sum assured on natural death and triple sum assured in case of accidental 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 |
|---|---|---|
| 0-9 | Rs 38 | Rs 38 |
| 10-14 | Rs 42 | Rs 42 |
| 15-19 | Rs 45 | Rs 45 |
| 20-24 | Rs 50 | Rs 50 |
| 25-29 | Rs 63 | Rs 63 |
| 30+ | Rs 73 | Rs 73 |
Recent years
- FY 2081/82
- Rs 38–73/ 1,000
- FY 2080/81
- Rs 38–73/ 1,000
- FY 2079/80
- Rs 35–75/ 1,000
- FY 2078/79
- Rs 35–75/ 1,000
- FY 2077/78
- Rs 35–70/ 1,000
Source: सिटिजन 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
- स्वाभाविक मृत्युमा २x बीमित रकम
- दुर्घटनागत मृत्युमा ३x बीमित रकम
Features
- स्वाभाविक मृत्युमा लाभार्थीले दुई गुणा बीमित रकम पाउँछन्
- दुर्घटनागत मृत्युमा तीन गुणा बीमित रकम प्रदान गरिन्छ
- पोलिसी अवधि: ५ वर्ष देखि ३५ वर्ष
- न्यूनतम बीमित रकम: रु. ५०,०००
- उपलब्ध राइडर: ADB, PTD, PWB, MIB, DSA, FE, CI
- बोनस: रिभर्सनरी बोनस र टर्मिनल बोनस (यदि लागू)
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