Amrit Shree Money Back
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 Money Back — an anticipated endowment / whole-life style money-back life insurance plan offering periodic survival payouts, death benefit and participation in declared bonuses.
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 70 | Rs 64 |
| 26+ | Rs 85 | — |
Recent years
- FY 2081/82
- Rs 60–85/ 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
- नियत अवधिमा भागवण्डा भुक्तानी
- मृत्यु लाभ र बोनस उपलब्ध
- ऋण र सदर सुविधा
Features
- नियत अन्तरालमा मनी-ब्याक (सर्भाइभल) भुक्तानी
- मृत्युमा सामान्द्ध जोखिम धन राशीसहित बोनस
- लाभांशमा सहभागी पार्ने परम्परागत योजना
- ऋण सुविधा र समयपछि सदर गर्ने (surrender) व्यवस्था
- विभिन्न नीतिलेखन अवधिहरू र प्रिमियम भुक्तानी विकल्प
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
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.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request