Jeewan Shree Sabadhik Amrit 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. A traditional endowment assurance plan from National Life providing maturity benefit at the end of term and death benefit during the policy term. Includes potential annual bonuses and multiple policy term options.
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 64 | — |
| 15-20 | Rs 64 | Rs 64 |
| 21-25 | Rs 70 | Rs 70 |
| 26+ | Rs 85 | — |
Recent years
- FY 2081/82
- Rs 64–85/ 1,000
- FY 2080/81
- Rs 64–85/ 1,000
- FY 2079/80
- Rs 64–85/ 1,000
- FY 2078/79
- Rs 64–85/ 1,000
- FY 2077/78
- Rs 64–85/ 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
- परम्परागत एन्डाउन्मेन्ट योजना
- म्युचरिटी प्लस मृत्यु कभर
- वार्षिक बोनस सम्भावित
Features
- म्युचरिटी लाभ र मृत्यु लाभ दुवै उपलब्ध
- वार्षिक बोनस (reversionary bonus) लागू हुनसक्छ
- कर्ज सुविधा उपलब्द हुनसक्छ (loan against policy)
- राइडरहरू मार्फत कभर बढाउन सकिने (जस्तै accidental, critical illness)
- कर लाभयोग्य (income tax benefits subject to law)
Terms and conditions
- 1)Death Benefit:
- a)On death of the Life Assured during the policy term, provided all due premiums have been paid then
- b)On death before the commencement of Risk:Return of Premium/s paid without interest shall be payable.
- 2)On Death after the commencement of Risk:
- Death Benefit, defined as sum of "Sum Assured on Death" and Bonuses shall be payable.
- Premiums referred above shall not include any taxes, extra amount chargeable under the policy due to underwriting decision and rider premium(s), if any.
- 3)Survival Benefit:
- On the life assured surviving to the end of the premium paying term, provided all due premiums have been paid, a survival benefits equal to 9% of basic sum assured shall be payable each year. The first survival benefit payment is payable at the end of premium paying term and thereafter on completion of each subsequent year till the life assured survives or till the policy anniversary prior to the date of maturity, whichever is earlier.
- 4)Maturity Benefit:
- On the life assured surviving to the end of the policy term, provided all due premiums have been paid "Sum Assured on Maturity" along with vested bonuses for premium paying term shall be payable.
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.
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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
योजनाका सर्तअनुसार दुर्घटनाबाट मृत्यु भएमा थप लाभ प्रदान गरिन्छ।
स्थायी पूर्ण अशक्तता लाभ (PTD)
स्थायी पूर्ण अशक्तता भएमा योजनाका सर्तअनुसार लाभ प्रदान गरिन्छ।
बीमाशुल्क छुट सुविधा (PWB)
लागू हुने राइडरका सर्तअनुसार भविष्यको बीमाशुल्क छुट गरिन्छ।
घातक रोग लाभ (CI)
निर्धारित घातक रोग भएमा योजनाका सर्तअनुसार लाभ प्रदान गरिन्छ।
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)
Future premium waiver benefit under applicable rider terms.
Critical Illness Benefit (CI)
Critical illness benefit available under the plan terms.
Loan & liquidity
- Surrender allowed
- After 2 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request