Naulo Jeevan Sambriddhi 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. You also receive part of the cover amount at set points during the term, not only at the end. Limited payment money-back (anticipated) endowment plan with periodic money-back payouts, single premium option, policy loan facility and optional riders (ADB/TPD/PWB, Critical Illness). Death risk covered for full policy term; premiums paid for limited term.
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 56 | Rs 56 |
| 11-15 | Rs 56 | Rs 56 |
| 16-20 | Rs 56 | Rs 56 |
| 21-25 | Rs 56 | Rs 56 |
| 26-30 | Rs 56 | Rs 56 |
| 31+ | Rs 56 | Rs 56 |
Recent years
- FY 2081/82
- Rs 56/ 1,000
- FY 2080/81
- Rs 56/ 1,000
- FY 2079/80
- Rs 55–57/ 1,000
- FY 2078/79
- Rs 50/ 1,000
- FY 2077/78
- Rs 56–58/ 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
- प्रवेश उमेर: 18–60 वर्\
- न्यूनतम बीमित रकम: रु. 50,000
- मनी‑ब्याक भुक्तानी प्रत्येक 4 वर्ष अन्तरालमा
- राइडर: ADB, TPD, PWB र Critical Illness उपलब्ध
- समर्पण मूल्यको ९०% सम्मको ऋण
Features
- आवधिक भुक्तानीको साथ सीमित भुक्तानी पैसा फिर्ता एन्डोमेन्ट
- एकल प्रीमियम विकल्प र नियमित प्रीमियम फ्रिक्वेन्सीहरू उपलब्ध छन्
- न्यूनतम बीमा रकम रु ५०,०००; आय प्रमाण द्वारा उच्च सीमा
- वैकल्पिक सवारहरू: ADB, ADB+TPD+PWB (प्रीमियम छूट सहित), RPR ५,०००,००० सम्मको गम्भीर रोग
- समर्पण मूल्यको ९०% सम्मको ऋण
Terms and conditions
- Money back at regular intervals.
- After completion of the premium payment, risk will cover till full policy term .
- On maturity, bonus declared will be paid.
- In case of the death of the life insured before maturity, death benefit equal to 2.5 times of basic Sum Assured in case of single payment mode
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back 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 money-back 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
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request