Samriddha Jeevan Beema Endowment Plan (Single Premium)
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 participating traditional endowment life plan from Prabhu Mahalaxmi Insurance offered as a single (one‑time) premium — provides sum assured plus bonuses on maturity and death benefit.
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
- एकल प्रिमियम योजना
- परम्परागत सहभागी बीमा
- बोनस योग्य
- लोन र सरेन्डर सुविधा
Features
- एकल प्रिमियम विकल्प
- मृत्युमा बीमा रकम उपलब्ध
- परिपक्वतामा बीमा रकम र बोनस प्राप्ति
- लोन र सरेन्डर सुविधाहरू
- परम्परागत सहभागी (बोनस योग्य) योजना
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. Tax Benefit: Rs 40,000.00 annual premium is deductible while computing your annual taxable income.
- 4. Payment Method: This option is designed for individuals who prefer to pay the premium as a lump sum payment.
- 5. Riders: Accidental Death Benefit (ADB) , Critical Illness (CI) ,Total Permanent Disability (TPD) Benefit due to accident and Premium Waiver Benefit (PWB).
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
दुर्घटनाबाट मृत्यु भएमा अतिरिक्त बीमा लाभ प्रदान गर्दछ।
दुर्घटना मृत्यु / स्थायी पूर्ण अशक्तता
दुर्घटना मृत्यु तथा स्थायी पूर्ण अशक्तताको अवस्थामा लाभ प्रदान गर्दछ।
घातक रोग
समेटिएका घातक रोगको निदान भएमा लाभ प्रदान गर्दछ।
चिकित्सा / आय लाभ
चिकित्सा/आय सुरक्षासम्बन्धी लागू लाभ प्रदान गर्दछ।
प्रिमियम छुट लाभ
लागू हुने बीमित घटना भएमा प्रिमियम भुक्तानीमा छुट प्रदान गर्दछ।
Accidental Death Benefit
Provides an additional benefit in case of accidental death.
Accidental Death Benefit / Permanent Total Disability
Provides benefit for accidental death and permanent total disability.
Critical Illness
Provides benefit upon diagnosis of covered critical illness.
Medical / Income Benefit
Provides the applicable benefit associated with medical/income protection.
Premium Waiver Benefit
Provides premium-waiver protection when the applicable covered event occurs.
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request