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. You also receive part of the cover amount at set points during the term, not only at the end. Midterm Growth (MTG) is an anticipated endowment life insurance plan providing a midterm survival payment (40% of Sum Assured) and maturity payment (60% of Sum Assured plus accrued reversionary bonuses). Features include cash surrender, policy loan, paid-up/non-forfeiture options and optional riders (Personal Accident, Waiver of Premium, Critical Illness).
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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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 55 | Rs 65 |
| 21+ | Rs 55 | Rs 75 |
Recent years
- FY 2081/82
- Rs 50–55/ 1,000
- FY 2080/81
- Rs 55–75/ 1,000
- FY 2079/80
- Rs 60–80/ 1,000
- FY 2078/79
- Rs 60–80/ 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
- मध्यपश्चात मृत्युमा २x मृत्यु लाभ
- मध्य अवधिमा ४०% अंश भुक्तानी
- रिभर्सनरी बोनसमा भाग
Features
- मध्य अवधिमा (40% बीमाङ्क को )Survival Benefit र परिपक्वतामा (60% बीमाङ्क) सहित बोनस
- मृत्यु लाभ: मध्यपूर्व (100% बीमाङ्क ) , मध्यपश्चात (200% बीमाङ्क )
- क्यास सरेण्डर, पालिसी लोन, पेड-अप र अटोमेटिक प्रिमियम लोन विकल्पहरू
- भुक्तानी मोड: वार्षिक, सम्भ-वर्षिक , त्रैमासिक
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back 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 money-back plans — confirm the exact terms in the brochure.
Optional riders
व्यक्तिगत दुर्घटना राइडर लाभ
दुर्घटनाका कारण मृत्यु, अंगभंग तथा स्थायी पूर्ण अशक्ततामा मुख्य बीमाङ्कसम्म लाभ प्रदान गर्दछ।
बीमाशुल्क छुट राइडर लाभ
रोग वा दुर्घटनाका कारण स्थायी पूर्ण अशक्तता भएमा आधारभूत पोलिसीका भविष्यका बीमाशुल्क छुट हुन्छन्।
घातक रोग राइडर लाभ
उमेर र पोलिसी अवधिअनुसार समेटिएका घातक रोगको निदानमा बीमाङ्कको १००% वा ५०% भुक्तानी हुन्छ।
Personal Accident Rider Benefit
Pays benefits for accidental death, dismemberment and permanent total disability up to the principal sum/face amount.
Waiver of Premium Rider Benefit
Waives future premiums of the base policy in case of permanent total disability due to sickness or accident.
Critical Illness Rider Benefit
Pays 100% or 50% of face amount upon diagnosis of covered critical diseases, depending on age and policy term.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request