Sambridhha Jeevan Beema Endowment Plan - Regular
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. Sambridhha Jeevan Beema Endowment (Regular) is a traditional participating endowment life insurance plan designed for long-term savings and life protection. It provides the sum assured on death and maturity benefits with declared bonuses.
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 33–70/ 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 भागीदारी (बोनस योग्य)
- लचिलो प्रिमियम आवृत्ति
- ऋण र समर्पण मूल्य सुविधा
Features
- मृत्यु लाभ: सुनिश्चित बीमित रकम + बोनस
- परिपक्वता लाभ: सुनिश्चित रकम + डिक्लेयर गरिएको बोनस
- लोन सुविधा र सरेन्डर विकल्प
- विभिन्न प्रिमियम भुक्तानी विकल्प
- राइडरहरू उपलब्ध
Terms and conditions
- 1. Tax Benefit: Rs 40,000 annual premium is deductible while computing your annual taxable income.
- 2. 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.
- 3. 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.
- 4. Paid up value, 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
This plan states: Sum Assured + Bonus (as declared)
If the policy runs to maturity
This plan states: Sum Assured + Bonus (as declared)
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 (ADB)
राइडरका शर्तअनुसार दुर्घटनाबाट मृत्यु भएमा अतिरिक्त लाभ।
स्थायी पूर्ण अशक्तता लाभ (PTD)
राइडरका शर्तअनुसार स्थायी पूर्ण अशक्तता भएमा लाभ।
बीमाशुल्क छुट सुविधा (PWB)
लागू राइडरका शर्तअनुसार बीमाशुल्क छुट सुविधा।
घातक रोग लाभ (CI)
निर्धारित राइडरका शर्तअनुसार घातक रोग लाभ।
चिकित्सकीय आय लाभ (MIB)
लागू राइडरका शर्तअनुसार चिकित्सकीय आय लाभ।
Accidental Death Benefit (ADB)
Additional accidental death benefit according to the rider conditions.
Permanent Total Disability Benefit (PTD)
Benefit payable for permanent total disability according to rider conditions.
Premium Waiver Benefit (PWB)
Premium waiver benefit according to applicable rider conditions.
Critical Illness Benefit (CI)
Critical illness benefit according to the specified rider conditions.
Medical Income Benefit (MIB)
Medical income benefit according to the applicable rider terms.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
What's not covered
- Suicide within waiting period
- War, riots, civil commotion
- Pre-existing illnesses not disclosed
Premium
Quote on request