Amrit Shree Anticipated Endowment and Whole Life Plan
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. Amrit Shree is an anticipated endowment combined with a whole-life component providing maturity benefits with anticipated bonuses plus life cover for the lifetime. It is designed as a long-term savings and protection plan.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-14 | Rs 60 | — |
| 15-20 | Rs 60 | Rs 64 |
| 21-25 | Rs 60 | Rs 64 |
Recent years
- FY 2081/82
- Rs 60/ 1,000
- FY 2080/81
- Rs 63–64/ 1,000
- FY 2079/80
- Rs 63–85/ 1,000
- FY 2078/79
- Rs 63–64/ 1,000
- FY 2077/78
- Rs 63–64/ 1,000
Source: नेशनल लाइफ इन्स्योरेन्स 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
- प्रत्याशित बोनससहित म्याच्युरिटी लाभ
- जीवनभर कभर (Whole Life) समावेश
- दीर्घकालीन बचत तथा सुरक्षा संयोजन
Features
- प्रत्याशित बोनस/लाभांश (anticipated bonuses)
- सम्पूर्ण जीवनकालसम्म जीवन बीमा कभर
- म्याच्युरिटीमा मूलधन र बोनस प्राप्ति
- राइडर थपेर सुरक्षा बढाउन मिल्ने विकल्प
Terms and conditions
- Option 1 offers the policyholder periodic payouts at regular intervals during the policy term (Endowment only)
- Option 2 offers the policyholder a combination of periodic payouts at regular intervals during the policy term and protection for whole of life. (Endowment +Whole Life)
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
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्यु लाभ उपलब्ध लाभको रूपमा उल्लेख गरिएको छ
प्रिमियम छुट
प्रिमियम छुट उपलब्ध लाभको रूपमा उल्लेख गरिएको छ
घातक रोग
घातक रोग लाभ उपलब्ध लाभको रूपमा उल्लेख गरिएको छ
पूर्ण स्थायी अशक्तता
पूर्ण स्थायी अशक्तता लाभ उपलब्ध लाभको रूपमा उल्लेख गरिएको छ
दुर्घटना मृत्यु लाभ (ADB)
योजनाका सर्तअनुसार दुर्घटना मृत्यु लाभ उपलब्ध।
स्थायी पूर्ण अशक्तता लाभ (PTD)
योजनाका सर्तअनुसार स्थायी पूर्ण अशक्तता लाभ उपलब्ध।
बीमाशुल्क छुट सुविधा (PWB)
योजनाका सर्तअनुसार बीमाशुल्क छुट सुविधा उपलब्ध।
घातक रोग लाभ (CI)
योजनाका सर्तअनुसार घातक रोग लाभ उपलब्ध।
Accidental Death Benefit
Accidental Death Benefit is listed as an available benefit.
Waiver of Premium
Waiver Premium is listed as an available benefit.
Critical Illness
Critical Illness Benefit is listed as an available benefit.
Total Permanent Disablement
Total Permanent Disablement Benefit is listed as an available benefit.
Accidental Death Benefit (ADB)
Accidental Death Benefit available under the plan terms.
Permanent Total Disability Benefit (PTD)
Permanent total disability benefit available under the plan terms.
Premium Waiver Benefit (PWB)
Premium waiver benefit available under the plan terms.
Critical Illness Benefit (CI)
Critical illness benefit available under the plan terms.
Premium
Quote on request