Anticipated Endowment Life Assurance
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. You also receive part of the cover amount at set points during the term, not only at the end. Rastriya Jeewan Beema's Anticipated Endowment plan — a traditional endowment life policy combining life protection with savings, offering maturity benefits plus anticipated bonuses.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15 | Rs 60 | Rs 60 |
| 20 | Rs 60 | Rs 60 |
| 25 | Rs 60 | Rs 60 |
Recent years
- FY 2081/82
- Rs 60/ 1,000
- FY 2080/81
- Rs 60/ 1,000
- FY 2079/80
- Rs 65/ 1,000
- FY 2078/79
- Rs 65/ 1,000
- FY 2077/78
- Rs 65/ 1,000
Source: राष्ट्रिय जीवन बीमा कम्पनी 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
- अपेक्षित बोनस सहित पारंपरिक जमानती योजना
- जीवन मृत्युमा सुरक्षित लाभ
- लचिलो प्रीमियम मोड
Features
- जीवन सुरक्षा र जमानत गरिएको फाइदा
- अपेक्षित बोनस (प्रति वर्ष घोषणा हुने सम्भावना)
- नियमित परिपक्वता लाभ
- धितोमा ऋण सुविधा सम्भावित
- विविध प्रीमियम भुक्तानी विकल्प
Terms and conditions
- 1) Loan facility up to 90% of the surrender value is available after three years of premium payments. This facility can be used multiple times as long as the policy is active, with interest rates as per company practice.
- 2)If the insured dies before the policy term ends, the full sum assured and accrued bonus up to that period will be paid as a lump sum to the family, without deducting previously received installments.
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 + Bonuses
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Sum Assured + Bonuses
If death is caused by an accident
This plan states: Additional benefit available via rider
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
Further accidental death benefit can be obtained by paying an additional premium of Rs. 1 per thousand.
Accidental Death Benefit (ADB)
Additional accidental death benefit can be obtained by paying an additional premium of Re. 1 per thousand.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Loan facility
- Up to 90% of surrender value
What's not covered
- Suicide within exclusion period
- War, civil commotion, or illegal act
- Undisclosed pre-existing conditions
Premium
Quote on request