Anmol Jeevan Beema Yojana
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. Anmol Jeevan Beema Yojana is a participating (with-profits) endowment cum whole-life plan providing annual simple reversionary bonuses, maturity benefit and continued death cover/survival benefit options after maturity.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 60 | Rs 60 |
| 11-15 | Rs 60 | Rs 60 |
| 16-20 | Rs 60 | Rs 60 |
| 21-25 | Rs 70 | Rs 70 |
| 26-30 | Rs 82 | Rs 82 |
| 31+ | Rs 82 | Rs 82 |
Recent years
- FY 2081/82
- Rs 60–82/ 1,000
- FY 2080/81
- Rs 60–82/ 1,000
- FY 2079/80
- Rs 50–60/ 1,000
- FY 2078/79
- Rs 60–82/ 1,000
- FY 2077/78
- Rs 60–82/ 1,000
Source: नेपाल 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
- वार्षिक बोनस (with‑profits)
- परिपक्वतापछि जीवन लाभका तीन विकल्प (७५/८०/८५ वर्ष)
Features
- भाग लिने (with‑profits) सावधिक योजना - वार्षिक बोनस
- न्यूनतम बीमाशुल्क रकम: रु. २५,०००
- प्रिमियम भुक्तानी मोड: मासिक, त्रैमासिक, अर्धवार्षिक र वार्षिक
- परिपक्वतापछि तीन विकल्प: उमेर ७५ मा ६०% बीमाङ्क , ८० मा ८०% बीमाङ्क , ८५ मा १००% बीमाङ्क
- सरेण्डर, पेड‑अप र लोन: केवल ३ पूरा वर्ष र ३ वार्षिक प्रिमियम भुक्तानीपछि उपलब्ध
- राइडरहरू उपलब्ध: आकस्मिक मृत्यु (ADB), ADB+TPD+प्रीमियम वेभर, क्रिटिकल इल्यनेस राइडर
Terms and conditions
- 1. In the event of death prior to maturity of policy, the basic sum assured with accrued bonus will be paid to the beneficiary of the insured.
- 2. At maturity of policy, basic sum assured with accrued bonus will be paid to the insured.
- 3. In the event of survival after maturity of policy, there will be three options available for the insured but this option has to be made at inception. The options are as below:
- At age 75; 60% of basic sum assured will be paid to the insured and the policy would be terminated on this payment
- At age 80; 80% of basic sum assured will be paid to the insured and the policy would be terminated on this payment
- At age 85; 100% of basic sum assured will be paid to the insured and the policy would be terminated on this payment
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 whole life plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर।
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक दुर्घटनाजन्य PTD राइडर।
बीमाशुल्क छुट लाभ
ऐच्छिक बीमाशुल्क छुट राइडर।
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर।
Accidental Death Benefit
Optional accidental death rider.
Permanent Total Disability Benefit
Optional accidental PTD rider.
Premium Waiver Benefit
Optional premium waiver rider.
Critical Illness Benefit
Optional critical illness rider.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request