Nirdhakka Jeevan Beema
by प्रभु महालक्ष्मी लाइफ इन्स्योरेन्स
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 traditional life insurance plan from Prabhu Mahalaxmi providing death and maturity benefits.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-9 | Rs 33 | — |
| 10-14 | Rs 33 | Rs 33 |
| 15-19 | Rs 40 | Rs 40 |
| 20-24 | Rs 51 | Rs 51 |
| 25+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 33–70/ 1,000
- FY 2080/81
- Rs 33–70/ 1,000
- FY 2079/80
- Rs 52–55/ 1,000
- FY 2078/79
- Rs 33–70/ 1,000
- FY 2077/78
- Rs 33–70/ 1,000
Source: प्रभु महालक्ष्मी 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
- परम्परागत सहभागी जीवन बीमा
- मृत्यु र परिपक्वता दुबैमा सुरक्षा
- पोलिसी ऋण उपलब्ध
Features
- मृत्यु लाभ (बीमाङ्क/धारणा अनुसार)
- परिपक्वता लाभ
- नियमित बोनस (यदि लागू भयो भने)
- ऋण सुविधा उपलब्ध
- कर लाभ योग्य (स्थानीय कर नियम अनुरुप)
- लचिलो प्रिमियम भुक्तानी अवधि
Terms and conditions
- 1. Maturity Benefit: Full sum assured and accrued bonus for the whole policy term is payable on maturity if the policy remains in force and the insured survives till maturity date.
- 2. Death Benefit: Full sum assured and accrued bonus is payable to the nominee upon death of insured within the policy term provided that the policy is in force.
- 3. Surrender value and Loan: The policy is eligible for loan or surrender upon payment of premiums for 3 full years and completion of 3 years. The paid-up calculation for calculating surrender value is done as per the approved method prescribed by Beema Pradhikaran. Loan up to 90 % of the surrender value can be availed.
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
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request