Sukhamaya bima yojana (Endowment/Whole Life Insurance Plan)
by सानिमा रिलायन्स 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. This plan guarantees lifetime protection and also serves as an estate-planning vehicle. Coverage continues until the insured attains age 100 even after the premium paying term. Death benefit includes Sum Assured plus declared and vested bonuses (during premium paying term). Survival benefits and a fully paid-up whole life assurance apply at the end of the premium paying term.
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 35 | Rs 35 |
| 10-14 | Rs 35 | Rs 35 |
| 15-19 | Rs 40 | Rs 40 |
| 20-24 | Rs 45 | Rs 45 |
| 25+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 35–70/ 1,000
- FY 2080/81
- Rs 35–70/ 1,000
- FY 2079/80
- Rs 30–60/ 1,000
- FY 2078/79
- Rs 35–70/ 1,000
- FY 2077/78
- Rs 35–70/ 1,000
Source: सानिमा रिलायन्स 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
- आजिवन संरक्षण (100 वर्ष सम्म)
- न्यूनतम बीमाशुल्क रु.100,000
- बोनस प्राप्त हुने पारंपरिक योजना
Features
- बीमितको उमेर १०० वर्षसम्म आजीवन कवरेज
- न्यूनतम बिमा रकम रु.100,000, माथिल्लो सीमा: बिना सीमा
- मृत्यु लाभ: प्रिमियम भुक्तानी अवधिमा भने बोनससहितको बीमाङ्क; भुक्तानी अवधिपछि बीमाङ्क
- सर्भाइभल लाभ: प्रिमियम भुक्तानी अवधि समाप्तिमा बीमाङ्क+ बोनस
- वैकल्पिक राइडर
- प्रीमियम भुक्तानी मोड: छुट उपलब्ध
Terms and conditions
- 1)Death Benefit:
- a) On death of the life assured during the Premium Paying term of the policy: Sum Assured plus Bonus Declared and Vested.
- b) On death of the life assured post the Premium Paying term of the policy: Sum Assured without deducting the survival benefit already paid
- 2)Survival Benefit:
- a) On survival to end of Premium Paying Term: Sum Assured plus Bonus Declared and Vested and a fully paid-up whole life assurance.
- b) On survival to age 100: Fully Paid-up part of the policy. (Life assure age of 100 years)
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 + Declared & Vested Bonus (during premium paying term); Sum Assured (post premium term)
After the premium-paying term ends
This plan states: On survival to end of premium paying term: Sum Assured + Declared & Vested Bonus and fully paid-up whole life assurance
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 whole life plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
७० वर्षसम्म बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ त्यति थप दुर्घटना मृत्यु लाभ।
स्थायी पूर्ण अशक्तता लाभ (PTD)
७० वर्षसम्म बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ, १२० मासिक किस्तामा भुक्तानी।
घातक रोग लाभ (CI)
तोकेको घातक रोग लागेमा बीमाङ्क रकम वा रु. ५०,००,००० मध्ये जुन कम हुन्छ त्यति थप रकम।
Accidental Death Benefit (ADB)
Additional amount equal to sum assured or NPR 10,000,000, whichever is lower, available up to age 70.
Permanent Total Disability Benefit (PTD)
Sum assured or NPR 10,000,000, whichever is lower, payable in 120 monthly installments, available up to age 70.
Critical Illness Benefit (CI)
On onset of a covered critical illness, additional amount equal to sum assured or NPR 5,000,000, whichever is lower.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request