Limited Payment Endowment Cum Whole Life 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 participating life product where policyholders pay premium for a limited period while coverage continues for whole life. Offers flexible premium-paying terms, maturity/survival benefits, death benefits and accidental benefits, with surrender value, policy loan and tax benefits.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rs 30–75
per Rs 1,000 sum assured, per year · declared FY 2081/82
Recent years
- FY 2081/82
- Rs 30–75/ 1,000
- FY 2080/81
- Rs 18–75/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: हिमालयन 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 बीमांक रु. 50,000
- प्रवेश उमेर 18–65 वर्ष
- पॉलिसी अवधि 5–30 वर्ष
- राइडर: ADB, MIB, PWB
- अकस्मात मृत्युमा अतिरिक्त कवरेज
Features
- सीमित प्रिमियम भुक्तानी र आजीवन कवरेज (Participating)
- विभिन्न प्रिमियम भुक्तानी अवधि विकल्पहरू (1,5,10,15,20,25 वर्ष इत्यादि)
- न्यूनतम बीमाको रकम रु. 50,000
- राइडर: ADB, MIB, PWB उपलब्ध
- जीवित लाभ: म्याच्युरिटी सम्म बीमा रकम र भेष्टेड बोनस
- मृत्यु लाभ: पालिसी अवधिभित्र - बीमा रकम र भेष्टेड बोनस; परिपक्वतापछि - बीमा रकम मात्र
- सरेन्डर भ्याल्यू र पॉलिसी होल्डर लोन सुविधा
- आकस्मिक मृत्युमा अतिरिक्त लाभ: बीमाको रकम वा रु. 1,00,00,000 मध्ये कम हुने राशि
- प्रिमियम/बीमाङ्क र भुक्तानी मोडमा छुट (रीबेेट)
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 whole life plans — confirm the exact terms in the brochure.
Optional riders
Premium
Quote on request