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Saral Amrit (Term Insurance)

by नेशनल लाइफ इन्स्योरेन्स

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12.5% market share100.0% claims settledEst. 1988

This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Saral Amrit is a pure term life insurance plan providing death benefit (sum assured) to beneficiaries. There is no maturity benefit.

What's included

Key highlights

  • प्रवेश उमेर 18–65 वर्ष
  • कम सुरूवाती वार्षिक प्रिमियम रु.2,000 देखि

Features

  • मृत्युपछि बीमाङ्क दिने सुविधा
  • कम वार्षिक प्रिमियममा उच्च सुरक्षा कवरेज
  • विविध प्रिमियम भुक्तानी विकल्पहरू (मासिक/त्रैमासिक/अर्धवार्षिक/वार्षिक)
  • राइडर मार्फत अतिरिक्त सुरक्षा थप्ने अवसर
Terms and conditions
  1. Maturity Benefit:
  2. · 3 Year Policy Term: Paid Premium will be refunded
  3. · 5 Year Policy Term: Paid Premium plus 5% Interest of premium on maturity
  4. · 10 Year Policy Term: Paid Premium plus 25% Interest of premium on maturity
  5. · 15 Year Policy Term: Paid Premium plus 50% Interest of Premium on maturity
  6. Death Benefit:
  7. · In case of Normal death : Sum Assured
  8. · In case of accidental death : Sum Assured Plus ADB Coverage
  9. Additional Benefits:
  10. · Tax Benefit
  11. · Surrender after 1 year
  12. · Loan facility
  13. · Ownership can be handed over to any Bank or Financial institution

नेशनल लाइफ इन्स्योरेन्स’s page for this plan

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.

  1. If the insured passes away during the term

    The nominee receives the full sum assured. There is no savings element, so nothing else accrues.

    Typical for term plans — confirm the exact terms in the brochure.

  2. If the policy runs to maturity

    The premiums paid over the term are returned to you at maturity. There is no bonus on top.

    Typical for term plans — confirm the exact terms in the brochure.

  3. 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 term plans — confirm the exact terms in the brochure.

Optional riders

Accidental death (ADB)PTD / PWBCritical illness (CI)

  • दुर्घटना मृत्यु लाभ

    दुर्घटनाबाट मृत्यु भएमा बीमांक रकमसँगै ADB Coverage प्रदान गरिन्छ

  • Accidental Death Benefit

    Accidental death receives Sum Assured plus ADB Coverage.

Loan & liquidity

Policy loan
Available
Surrender allowed
After 1 years

Premium

Quote on request

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