Super Surakshit 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. Prabhu Mahalaxmi Insurance Limited's life insurance plan (Super Surakshit Beema) Endowment Assurance Plan combines both the risk coverage and saving element at reasonable premium. Upon payment of premiums during the policy term, a lump sum amount of sum assured and vested bonus is paid on maturity or death of the insured.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-14 | Rs 45 | — |
| 15-24 | Rs 46 | — |
| 25+ | Rs 52 | Rs 70 |
Recent years
- FY 2081/82
- Rs 45–52/ 1,000
- FY 2080/81
- Rs 33–70/ 1,000
- FY 2079/80
- Rs 45–52/ 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
- संरक्षण-केन्द्रित जीवन आवरण
- प्रवेश उमेर - 18-65
- ऋण - समर्पण मूल्यको ९०% सम्म
Features
- मृत्यु बीमाब्रत (प्रोटेक्सन) कवरेज
- सादा आवेदन प्रक्रिया
- न्यूनतम कागजात आवश्यक (पहिचान, नागरिकता/पासपोर्ट)
- विभिन्न प्रीमियम भुक्तानी मोड समर्थन
Terms and conditions
- 1. Death Benefit: Full sum assured and accrued bonus is payable upon death of insured provided that the policy is in force till that date.
- 2. Maturity Benefit: Full sum assured and accrued bonus is payable on maturity if the policy remains in force and the insured survives till maturity date.
- 3. Paid-up Value, Surrender Value and Loan: The policy will gain paid-up value or surrender value upon payment of premiums for 3 full years.
- 4) Loan of 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
दुर्घटना मृत्यु लाभ (ADB)
दुर्घटनाबाट मृत्यु भएमा राइडरका शर्तअनुसार अतिरिक्त लाभ प्रदान गरिन्छ।
घातक रोग लाभ (CI)
तोकिने घातक रोग भएमा राइडरका शर्तअनुसार लाभ प्रदान गरिन्छ।
Accidental Death Benefit (ADB)
Additional benefit payable in case of accidental death according to rider terms.
Critical Illness Benefit (CI)
Critical illness benefit payable for covered critical illnesses subject to rider conditions.
Loan & liquidity
- Policy loan
- Available
Premium
Quote on request