Traditional Endowment Assurance 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. National Life traditional participating endowment life insurance plan providing life cover plus long-term savings. Offers maturity benefits with declared bonuses and death benefit payable to nominees.
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 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
- मृत्यु बीमा तथा परिपक्वता लाभ
- बोनस घोषणा हुने सहभागी योजना
- सुरेण्डर र ऋण सुविधा
Features
- मृत्यु बीमाङ्क (Death benefit)
- परिपक्वतामा बोनस वितरण (Participating / reversionary bonus)
- सुरेण्डर वैल्यू र ऋण सुविधा
- दीर्घकालीन बचत र नियोजित लाभ
- विभिन्न प्रिमियम भुक्तानी आवृत्तिहरू समर्थित
Terms and conditions
- 1) This is a with profit plan that makes provisions for the family of the Life Assured in event of his early death and also assures a lump sum at a desired age on maturity.
- 2) It costs moderate premiums.
- 3) It has high liquidity and in savings oriented.
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
दुर्घटनाबाट मृत्यु भएमा थप लाभ प्रदान गरिने
प्रिमियम छुट
लागू सर्तअनुसार भविष्यका प्रिमियममा छुट
Accidental Death Benefit
Additional benefit payable in case of accidental death.
Waiver of Premium
Waiver of future premiums under applicable conditions.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request