Jeevan Laxmi 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. A triple-benefit endowment plan targeted at low-income or high-risk individuals. Pays sum assured with bonuses on maturity, 2x sum assured (with bonus) on normal death and 3x on accidental death. Flexible premium modes and loan facility up to 90% of surrender value.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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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 51–61/ 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
- ट्रिपल बेनिफिट एन्डोन्मेन्ट
- मिनिमम बीमित रु. ५,०००
- पोलिसी अवधि ७–२५ वर्ष
- पोलिसी ऋण ९०% सम्म
Features
- त्रि‑लाभात्मक एन्डोन्मेन्ट योजना (म्याच्युरिटी, सामान्य मृत्यु, आकस्मिक मृत्यु)
- म्याच्युरिटीमा मूल बीमासमेत बोनस भुक्तानी
- सामान्य मृत्युमा दुई गुणा मूल बीमासमेत अर्जित बोनस
- आकस्मिक मृत्युमा तीन गुणा मूल बीमासमेत अर्जित बोनस
- पोलिसी ऋण अधिकतम सरेण्डर भ्याल्यूको ९०% सम्म
- वैकल्पिक राइडर: क्रिटिकल इल्यनेस (राइडर) — अधिकतम रु. 50,00,000 सम्म
Terms and conditions
- Basic Sum Assured with bonus payable on maturity .
- Two times of Basic Sum Assured with earned bonus payable on normal death under inforce policy within policy term.
- Three times of Basic Sum Assured with earned bonus payable in case of accidental death under inforce policy within 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.
Optional riders
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर; २ गुणा प्राकृतिक र ३ गुणा दुर्घटना मृत्यु लाभ योजनाका मुख्य लाभ हुन्।
Critical Illness Benefit
Optional critical illness rider; 2× natural and 3× accidental death benefits are core plan benefits.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request