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 Shree is an endowment plan that provides a guaranteed bonus addition for the first 5 years and simple reversionary bonus thereafter.
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 | Rs 51 |
| 15+ | Rs 52 | — |
Recent years
- FY 2081/82
- Rs 50–52/ 1,000
- FY 2080/81
- Rs 50–52/ 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
- पहिला ५ वर्षका लागि रु.६५/१००० ग्यारेन्टेड एडिशन
- लाभमा सहभागी हुने (With-profit) योजना
- न्यूनतम बिमाङ्क रु.५,००,०००
- पोलिसी अवधि १५ वर्ष
- प्रिमियम भुक्तानी ५/१०/१५ वर्ष विकल्प
- राइडर: आकस्मिक र स्थायी अपांगता (१८–६५)
Features
- प्रवेश उमेर: १८–५० वर्ष
- प्रिमियम भुक्तानी अवधि: ५, १० वा १५ वर्ष
- पहिलो ५ वर्षसम्म प्रत्येक रु. १,००० बीमाङ्कमा रु. ६५ निश्चित बोनस रकम प्रदान गरिने
- ५ वर्षपछि नाफासहित (सहभागी) बीमा योजना हुने
- मृत्यु तथा परिपक्वता लाभमा बीमाङ्क रकम + ग्यारेन्टिड एडिशन + संचित बोनस भुक्तानी गरिने
- मृत्यु र परिपक्वता दुवै अवस्थामा बीमाङ्क + निश्चित बोनस रकम+ संचित बोनस भुक्तानी
- राइडर: आकस्मिक दावी (Accident) र स्थायी अपांगता (Permanent disability) लाभ उपलब्ध (उमेर १८–६५)
Terms and conditions
- Guaranteed Addition of 65 per 1000 Sum Assured is given for the first 5 years.
- This is a with profit policy with participation in profit after 5 years from policy inception.
- Sum Assured along with Guaranteed Addition and Vested Bonus (if any) is paid in case of death of policyholder.
- Sum Assured along with Guaranteed Addition and Vested Bonus (if any) is paid at maturity.
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
स्थायी अशक्तता लाभ
स्थायी अशक्तता लाभ राइडरको रूपमा उपलब्ध छ।
Permanent Disability Benefit
Permanent disability benefit available as a rider.
Premium
Quote on request