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 Utsav — a participating endowment plan with reversionary bonuses and a Final Additional Bonus (for policy terms of 16 years and above).
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2080/81
| Policy term | Rate / 1,000 |
|---|---|
| 10-15 | Rs 50 |
| 16-24 | Rs 52 |
| 25-35 | Rs 53 |
Recent years
- FY 2081/82
- Rs 41–62/ 1,000
- FY 2080/81
- Rs 50–53/ 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
- एक लाभांश सहभागी (with‑profit) सावधिक जीवन बीमा
- १६ वर्षपछि फाइनल एडिसनल बोनस
- मृत्यु लाभ: दोब्बर बीमाङ्क
Features
- सहभागी सावधिक जीवन बीमा (Reversionary Bonus सहित)
- अन्तिम बोनस (नीति १६ वर्ष वा बढी चलेमा)
- मृत्यु लाभ: दोब्बर आधारभूत बीमाङ्क +बोनस
- परिपक्वता लाभ: आधारभूत बीमाङ्क + वेस्टेड बोनस +कम्पनीले परिपक्वतामा घोषणा गरेको अन्तिम बोनस
- प्रवेश उमेर: १८–५५ वर्ष
Terms and conditions
- A reversionary bonus will be declared each year based on the Product’s performance. The bonus, thus vested, will be provided in the event death, maturity or surrender.
- A Final Additional Bonus is provided to the policyholders with a policy term 16 years and above. This will be a one-time bonus which will be paid at the time of exit if the policy has been in-force for at least 16 years.
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
दुर्घटनाबाट स्थायी अशक्तता
दुर्घटनाका कारण स्थायी अशक्तताका लागि वैकल्पिक राइडर लाभ।
Permanent Disability due to Accident
Optional rider benefit for permanent disability due to accident.
Premium
Quote on request