Double Protection Plus Plan (DPP)
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 MetLife limited-premium endowment plan offering double protection (2x Sum assured on death/PTD), Booster Fund and Loyalty Rewards with options.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 1-15 | Rs 50 | Rs 55 |
| 16-20 | Rs 60 | Rs 65 |
| 21+ | Rs 70 | Rs 75 |
Recent years
- FY 2081/82
- Rs 50–70/ 1,000
- FY 2080/81
- Rs 55–75/ 1,000
- FY 2079/80
- Rs 60–80/ 1,000
- FY 2078/79
- Rs 45–65/ 1,000
- FY 2077/78
- Rs 60–80/ 1,000
Source: मेटलाइफ 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
- डबल सुरक्षा-मृत्यु र स्थायी पूर्ण अपाङ्गता (2x बीमाङ्क )
- Single / 5-Pay / 10-Pay विकल्प
- प्रत्येक ५ वर्षमा सुनिश्चित लॉयल्टी रिवार्ड
Features
- मृत्यु र स्थायी पूर्ण अपाङ्गताका लागि दुई गुणा (2x बीमाङ्क )को भुक्तानी
- सिमित प्रिमियम विकल्पहरू
- वार्षिक बुस्टर फण्ड (विभिन्न निवेश उपज अनुसार प्रति रु.1000 दर)
- लॉयल्टी रिवार्ड्स हर ५ वर्षमा सुनिश्चित भुक्तानी (प्रति रु.1000)
- दुर्घटना मृत्यु/अङ्गक्षयमा 1x बीमाङ्क भुक्तानी
- म्याच्युरिटीमा बीमाङ्क + संचित बुस्टर फण्ड + संचित लॉयल्टी रिवार्ड्स भुक्तानी
- लोन, पेड-अप र स्वत: प्रिमियम लोन सुविधाहरु
Terms and conditions
- Loyalty rewards benefits-
- Policy term (5 yrs)- Rs 10 per 1000 SA
- Policy term (10 yrs)- Rs 20 per 1000 SA
- Policy term (15 yrs)- Rs 30 per 1000 SA
- Policy term (20 yrs)- Rs 40 per 1000 SA
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
No optional riders are attached to this plan.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request