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. This is a single premium plan that provides long term risk coverage on one time premium payment with return on premium as bonus
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 एन्डावमेन्ट योजना
- बोनस सहित परिपक्वता लाभ
- किस्ता भुक्तानी:एकल प्रिमियम
Features
- जीवन बीमाको मृत्यु कभर
- परम्परागत (प्रोफिट) बोनस वितरण
- पोलिसी परिपक्वतिमा सुनिश्चित लाभ
- प्रिमियममा विभिन्न किस्ता विकल्प
- पोलिसीमा ऋण सुविधा उपलब्ध
Terms and conditions
- Death
- Sum Assured with accrued bonuses
- Survival(Maturity)
- Sum Assured with reversionary bonuses at the end of the policy term
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)
एकल बीमाशुल्क योजनाका सर्तअनुसार दुर्घटना मृत्यु लाभ उपलब्ध।
Accidental Death Benefit (ADB)
Accidental Death Benefit available under the single-premium plan terms.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request