Endowment Micro Life Insurance Plan
by एलआईसी नेपाल
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. This is a with-profit Endowment plan. Sum assured together with vested bonus is payable on maturity or on earlier death. The premium paying term is same as the policy term.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| All | Rs 41 | — |
Recent years
- FY 2081/82
- Rs 41/ 1,000
- FY 2080/81
- Rs 41/ 1,000
- FY 2079/80
- Rs 41/ 1,000
- FY 2078/79
- Rs 41/ 1,000
Source: एलआईसी नेपाल 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
- नाफासहित एन्डोमेन्ट योजना
- बीमाङ्क रकम रु. १०,००० देखि रु. ३,००,००० सम्म
- प्रवेश उमेर १८ देखि ६५ वर्ष
Features
- नाफासहित (सहभागी) एन्डोमेन्ट बीमा योजना
- बीमा अवधि ५ वर्षदेखि ४९ वर्षसम्म उपलब्ध
- कम्तीमा तीन वर्षको पूर्ण प्रिमियम भुक्तानीपछि पोलिसी पेड-अप हुन्छ
- तीन पूर्ण वर्षपछि पोलिसी सरेन्डर गर्न सकिने तीन वर्षपछि सरेन्डर मूल्यको ९०% सम्म ऋण सुविधा उपलब्ध
- यस योजनाअन्तर्गत कुनै राइडर सुविधा उपलब्ध छैन
Terms and conditions
- Maturity Benefit: Sum Assured with Vested Bonus is payable on survival to the end of the policy term, in case the policy is in full force.
- Death Benefit: Sum Assured with Vested Bonus is payable on death of the life assured during the policy term, in case the policy is in full force.
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.
Optional riders
टर्म राइडर
वयस्क बीमितहरूका लागि टर्म राइडर उपलब्ध छ।
Term Rider
Term rider available for adult policyholders.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request