Sunaulo Bhabisya Jeevan Beema Yojana (Option 2)
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. A participating endowment / anticipated cum whole life assurance plan offering both protection and long-term savings with declared bonuses. Two options (Option-1 and Option-2) provide flexible payout structures
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2079/80
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10 | Rs 55 | — |
| 15 | Rs 57 | — |
Recent years
- FY 2081/82
- Rs 55–85/ 1,000
- FY 2080/81
- Rs 56–85/ 1,000
- FY 2079/80
- Rs 55–57/ 1,000
- FY 2078/79
- Rs 50/ 1,000
- FY 2077/78
- Rs 60–82/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: नेपाल लाइफ इन्स्योरेन्स declaration for FY 2079/80
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- न्यूनतम बीमासर रु. 25,000
- उमेर सीमा 18–65 वर्ष
- नीति अवधि 5–35 वर्ष
- विकल्प 2 मा जीवनभर परिपक्वता/वार्षिक भुक्तानी विकल्प
Features
- सुरक्षा र बचत दुबै
- न्यूनतम बीमासर रु. 25,000
- प्रवेश उमेर 18–65 वर्ष
- नीति अवधि 5–35 वर्ष
- अधिकतम परिपक्वता आयु विकल्प 2 = 80 वर्ष
- वार्षिक मनी‑ब्याक विकल्प
- सर्टेन्डर मात्र 3 पूर्ण वर्ष र 3 पूर्ण प्रिमियम भुक्तानीपछि उपलब्ध
- राइडर विकल्पहरू: आकस्मिक (Accidental) राइडर, स्थायी कुल अपांगता, प्रिमियम वेभर, क्रिटिकल इलनेस
Terms and conditions
- UNDER OPTION-2
- Maturity Benefit
- 1)100% of the sum assured is payable at the end of the premium payment term.
- 2)After the completion of the premium payment term, 5% of the sum assured is payable every year (policy anniversary date) until the age of 79 years along with accrued bonuses (if any) accumulated till the end of the premium payment term is payable at the age of 80.
- UNDER OPTION-2
- Death Benefit
- 1)Insured death during the premium paying period, 100% of the sum assured plus accrued bonuses (if any).
- 2)Post the premium payment term 50% of the sum assured along with accrued bonuses (if any) will be payable on death till 80 years.
- POLICY LOAN & SURRENDER:
- UNDER BOTH OPTIONS:
- 1. Surrender is only applicable upon completion of three full policy years & 3 full premium payments from the date of commencement.
- 2. After completion of three years of premium payment 90% of its surrender value will be applicable for the policy loan.
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.
Optional riders
Premium
Quote on request