Naulo Surakshit 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 participating (with‑profits) endowment life insurance plan providing life protection plus savings through annual simple reversionary bonuses. On maturity or on death, the sum assured plus accrued bonus is payable.
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 65 | Rs 65 |
| 11-15 | Rs 65 | Rs 65 |
| 16-20 | Rs 65 | Rs 65 |
| 21-25 | Rs 72 | Rs 72 |
| 26-30 | Rs 82 | Rs 82 |
| 31+ | Rs 82 | Rs 82 |
Recent years
- FY 2081/82
- Rs 65–82/ 1,000
- FY 2080/81
- Rs 65–82/ 1,000
- FY 2079/80
- Rs 51–61/ 1,000
- FY 2078/79
- Rs 65–82/ 1,000
- FY 2077/78
- Rs 65–82/ 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
- सहभागितात्मक योजना
- न्यूनतम बीमित रकम रु.25,000
- पोलिसी अवधि 5–55 वर्ष
- प्रवेश उमेर 18–70 वर्ष
Features
- सहभागितात्मक एन्डोमेन्ट योजना र वार्षिक साधारण प्रतिफल
- परिपक्वतामा बीमित बीमाङ्क+ संचित बोनस भुक्तान
- मृत्यु भएको खण्डमा लाभार्थीलाई बीमित रकम + बोनस भुक्तान
- तीन पूर्ण वर्ष र तीन पूर्ण वार्षिक प्रिमियम तिर्दा ऋण/सरेन्डर मान्य
- उपलब्ध अतिरिक्त राइडर: ADB, TPD, PWB
Terms and conditions
- At maturity of policy, Basic Sum assured with accrued bonus will be paid to the insured.
- In case of death immediately after policy commencement but before maturity basic sum assured plus accrued bonus will be paid to the beneficiary of the insured.
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 दुर्घटनाजन्य 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 accidental total permanent disability 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
Premium
Quote on request