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 endowment life insurance plan offered by Rastriya Jeewan Beema. Provides sum assured plus bonuses on death and maturity.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 60 | Rs 60 |
| 10-14 | Rs 60 | Rs 60 |
| 15-19 | Rs 60 | Rs 60 |
| 20-24 | Rs 60 | Rs 60 |
| 25-29 | Rs 60 | Rs 60 |
| 30+ | 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
- पारंपरिक एन्डाउमेन्ट जीवन बीमा
- मृत्यु तथा परिपक्वता लाभ
- बोनस घोषणामा सहभागी
Features
- मृत्यु तथा परिपक्वता लाभ (समापन बीमित रकम + बोनस)
- परम्परागत (participating) योजना — बोनस घोषणामा सहभागी
- योजनामा ऋण सुविधा उपलब्ध
- कम्पनी नियम अनुसार समर्पण मूल्य / चुक्ता मूल्य उपलब्ध
Terms and conditions
- 1)Sum assured plus accrued bonus upon death
- 2)Sum assured +vested bonus at maturity
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(es)
If the policy runs to maturity
This plan states: Sum Assured + Bonus(es)
If death is caused by an accident
This plan states: Additional benefit as per rider if opted
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
- Loan facility
- Up to 90% of surrender value
What's not covered
- Suicide clause within initial period
- War, nuclear perils and civil commotion
- Pre-existing conditions subject to waiting period
- Fraudulent claims
Premium
Quote on request