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 with-profit individual endowment plan where the premium paying term is 5 years less than the policy term. Provides maturity benefit (Sum Assured + accrued bonus) on survival, death benefit (Sum Assured + accrued bonus) on death, and additional funeral expense payment.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2080/81
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10 | Rs 51 | Rs 51 |
| 15 | Rs 53 | Rs 52 |
| 20 | Rs 55 | Rs 53 |
| 25 | Rs 57 | Rs 55 |
Recent years
- FY 2081/82
- Rs 41–62/ 1,000
- FY 2080/81
- Rs 51–57/ 1,000
- FY 2079/80
- Rs 51–55/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- विथ-प्रॉफिट एन्डोउमेन्ट योजना
- प्रिमियम अवधि भन्दा ५ वर्ष बढी जोखिम कवरेज
- अन्त्येष्टि खर्च समावेश
Features
- प्रिमियम भुक्तानी अवधि नीतिको अवधिभन्दा ५ वर्ष कम हुन्छ र प्रिमियम सकेपछि पनि जोखिम कवरेज पाँच वर्ष थप कायम रहन्छ
- परिपक्वता लाभ: बाँच्दा सम्पर्कित अवधिमा बीमांक र बोनस भुक्तानी
- मृत्यु लाभ: मृत्यु भएको अवस्थामा बीमांक र बोनस साथै अन्त्येष्टि खर्चको रूपमा बीमांकको २५% वा रु.100,000 जुन कम हो भुक्तानी
- प्रिमियम भुक्तानी अवधि: (नीति अवधि − 5) वर्ष
Terms and conditions
- Special Benefit : Risk coverage of five more years after the end of premium paying term with continuation of rider. Plus, bonus of that period is also given.
- Maturity Benefit : On survival of the life assured till the completion of policy term, Sum Assured and Bonus accrued will be paid to the life assured. The policy will terminate after payment of maturity claim.
- Death Benefit : On the death of the life assured during the policy term, Sum Assured and Bonus accrued till the death of the life assured will be paid to the nominee or the legal heir. In addition, sum of 25% of Sum Assured or Rs. 100,000, whichever is lower shall be paid as Funeral Expense. The policy will terminate after payment of death claim.
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
दुर्घटनाबाट पूर्ण स्थायी अशक्तता
दुर्घटनाका कारण पूर्ण स्थायी अशक्तताका लागि वैकल्पिक राइडर लाभ।
दुर्घटना मृत्यु लाभ
दुर्घटनावश मृत्युका लागि वैकल्पिक राइडर लाभ।
Total Permanent Disability due to Accident
Optional rider benefit for total permanent disability due to accident.
Accidental Death Benefit
Optional rider benefit for accidental death.
Premium
Quote on request