Jeevan Udaya Ekal 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 single-premium participating (with-profits) endowment plan offering annual simple reversionary bonuses. Death benefit before maturity is 2x basic sum assured plus accrued bonus; maturity benefit is basic sum assured plus accrued bonus.
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 |
| 30+ | 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
- एकल प्रिमियम सहभागी एण्डोमेन्ट
- मृत्युमा 2x बीमासम्म + बोनस
- सालाना साधारण रिवर्शनरी बोनस
- वित्तीय स्थिरताको लागि लगानी पोर्टफोलियो विविधीकरण गर्ने योजना बनाइरहेका आम र आम धनी व्यक्तिहरूका लागि
Features
- एकल प्रिमियम भुक्तानी मोड मात्र
- सहभागी (with‑profits) योजना — वार्षिक साधारण बोनस
- मृत्यु लाभः परिपक्वताअघि दुई गुणा आधार बीमा रकम र संचित बोनस
- परिपक्वता लाभः आधार बीमा रकम प्लस संचित बोनस
- बीमा अवधि 10–30 वर्ष (अधिकतम उमेर अनुसार)
- सम्पूर्ण 3 वर्षपछि मात्र सरेन्डर रकम र ऋण उपलब्ध (ऋण = 90% सरेन्डर रकम )
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
ऐच्छिक दुर्घटना मृत्यु राइडर।
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक स्थायी पूर्ण अशक्तता लाभ।
बीमाशुल्क छुट लाभ
ऐच्छिक बीमाशुल्क छुट लाभ।
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर।
Accidental Death Benefit
Optional accidental death rider.
Permanent Total Disability Benefit
Optional PTD benefit.
Premium Waiver Benefit
Optional premium waiver benefit.
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