A universal life insurance plan that helps save and accumulate funds for the future while providing life cover for the policyholder.
What's included
Key highlights
- सिर्फ बचत मात्र होइन, धन वृद्धि गर्ने अवसर
- पोलिसी लोन: सरेण्डर भ्यालुको ९०% सम्म
- ADB / PTD / PPD कभर समावेश
Features
- यूनिभर्सल लाइफ बीमा — जीवनभर कभरेज जबसम्म प्रिमियम तिर्नुहुन्छ
- बचत तथा जमानी (Account Value) निर्माण गर्ने सुविधा
- न्यूनतम नियमित प्रिमियम रु. 12,000; एकल प्रिमियम न्यूनतम रु. 30,000
- न्यूनतम समअशोर्ड: नियमित रु. 120,000; एकल रु. 37,500
- पोलिसी लोन सम्भव — सरेण्डर भ्यालुको अधिकतम ९०% सम्म
- सरेण्डर भ्यालु शर्त: नियमित मोडमा ३ पूर्ण वर्ष भुक्तानीपछि उपलब्ध
- एसीडेन्टल डेथ (ADB), स्थायी पूर्ण अपाङ्गता (PTD) र स्थायी आंशिक अपाङ्गता (PPD) कभर समावेश
Terms and conditions
- If the assured is alive till the end of the policy term, the maturity benefit with Sum Assured plus bonuses will be distributed
- If the assured dies before the maturity of the policy, Sum Assured or Account Value on the date of death whichever is higher will be paid
- Life Assured will be eligible for a loyalty reward at the end of the policy term. A guaranteed 3% of Account Value will be added to the Average Account Value of the last 60 months at maturity subject to the regular payment of all the due premium installments regularly as on maturity.
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, 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 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
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्यु लाभ
स्थायी पूर्ण अशक्तता
स्थायी पूर्ण अशक्तता लाभ
स्थायी आंशिक अशक्तता
स्थायी आंशिक अशक्तता लाभ
Accidental Death Benefit
Accidental death benefit
Permanent Total Disability
PTD benefit
Permanent Partial Disability
PPD benefit
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request