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. Regular saving through insurance to protect you and your family in the future. Under this plan the Sum Assured with vested bonuses is payable either on the date of maturity or on earlier 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 |
|---|---|---|
| 5-9 | Rs 49 | Rs 51 |
| 10-14 | Rs 50 | Rs 52 |
| 15-19 | Rs 51 | Rs 53 |
| 20-24 | Rs 55 | Rs 55 |
| 25-34 | Rs 60 | Rs 61 |
| 35-44 | Rs 61 | Rs 63 |
| 45+ | Rs 62 | — |
Recent years
- FY 2081/82
- Rs 49–62/ 1,000
- FY 2080/81
- Rs 51–65/ 1,000
- FY 2079/80
- Rs 51–61/ 1,000
- FY 2078/79
- Rs 51–61/ 1,000
- FY 2077/78
- Rs 50–64/ 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
- न्यूनतम बीमाङ्क रु. 50,000
- प्रवेश उमेर 18–60 वर्ष
- पोलिसी अवधि 10–52 वर्ष
- तीन वर्षपछि 90% सम्म ऋण
Features
- प्रवेश उमेर: 18–60 वर्ष
- न्यूनतम बीमित राशि: रु. 50,000
- पोलिसी अवधि: 10–52 वर्ष (अधिकतम आयु 70 वर्षसम्म)
- परिपक्वतामा बीमाङ्कसहित उल्लेखित गरिएको बोनस भुक्तानी
- दुर्घटना र स्थायी अपाङ्गता राइडर (उमेर 18–70) उपलब्ध
Terms and conditions
- Policy becomes paid-up if at least three full years' premium is paid
- Policy surrender allowed after completion of three full years
- Loan available after three years up to 90% of surrender value
- कम्तीमा तीन पूर्ण वर्षको प्रीमियम भुक्तानी हुँदा पॉलिसी पेड-अप हुन्छ
- तीन वर्षपछि पॉलिसी सरेन्डर गर्न सकिन्छ
- तीन वर्षपछि सरेन्डर भ्यालूको 90% सम्म ऋण उपलब्ध
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
दुर्घटना मृत्यु लाभ
दुर्घटनावश मृत्यु भएमा भुक्तानी हुने थप लाभ।
स्थायी अशक्तता लाभ
दुर्घटनाका कारण स्थायी अशक्तता भएमा उपलब्ध हुने लाभ।
Accidental Death Benefit
Additional benefit payable in case of accidental death.
Permanent Disability Benefit
Benefit available for permanent disability due to accident.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request