Jeevan Anand 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. Jeevan Anand is a combination plan: an endowment with-profit portion and a whole life without-profit portion. It pays the pre-decided Sum Assured along with vested bonuses at the end of the premium paying term, while the life cover continues until death of the Life Assured.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-9 | Rs 50 | Rs 50 |
| 10-14 | Rs 51 | — |
| 15-20 | Rs 53 | — |
| 21-25 | Rs 55 | Rs 57 |
Recent years
- FY 2081/82
- Rs 50–55/ 1,000
- FY 2080/81
- Rs 50–60/ 1,000
- FY 2079/80
- Rs 50–60/ 1,000
- FY 2078/79
- Rs 50–60/ 1,000
- FY 2077/78
- Rs 39–49/ 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
- प्रवेश उमेर 18–65 वर्ष
- न्यूनतम बीमा रकम रु.100,000
- पॉलीसी अवधि 5–25 वर्ष (अधिकतम आयु 70)
Features
- प्रवेश उमेर: 18–65 वर्ष
- न्यूनतम बीमाशुल्क रकम (Sum Assured): रु. 100,000
- नीति अवधि: 5 वर्षदेखि 25 वर्ष (अधिकतम आयु 70 वर्षको अधीन)
- यो लाभांश सहितको (with-profit) नीति हो
- परिपक्वतामा बीमाशुल्क र बोनस उपलब्ध
- प्रिमियम भुक्तानी अवधिपछि मृत्युमा बीमाङ्क भुक्तानी
- परिपक्वता पछिको स्वतन्त्र बिमा कभरसम्मका सर्तहरू: सबै प्रिमियम भुक्तानी हुनै पर्ने
- राइडर: एक्सिडेन्ट बिफेनिफिट र पर्मानेन्ट डिसएबिलिटी बिफेनिफिट (उमेर 18–70)
Terms and conditions
- कम्तिमा तीन वर्षको पूर्ण प्रिमियम भुक्तानी भएमा पॉलिसी पेड अप बन्छ
- तीन वर्षपछि सरेन्डर गर्न सकिन्छ
- तीन वर्षपछि सरेन्डर मूल्यको 90% सम्म ऋण उपलब्ध
- म्याच्युरिटीमा बीमाशुल्क र वेस्टेड बोनस उपलब्ध
- Policy becomes paid-up after at least 3 full years' premiums
- Surrender allowed after 3 full years
- Loan available after 3 years up to 90% of surrender value
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.
Optional riders
स्थायी अशक्तता लाभ
दुर्घटनाका कारण स्थायी अशक्तता भएमा उपलब्ध हुने लाभ।
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