Group Endowment Assurance Policy
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. Group Endowment Assurance policy for affinity or employer groups. Provides Sum Assured plus declared and vested bonus on death and on maturity. Optional riders are available.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2079/80
| Policy term | Rate / 1,000 |
|---|---|
| 0-9 | Rs 19 |
| 10-14 | Rs 19 |
| 15-19 | Rs 19 |
| 20-24 | Rs 19 |
| 25 and above | Rs 19 |
Recent years
- FY 2081/82
- Rs 19–70/ 1,000
- FY 2080/81
- Rs 19–70/ 1,000
- FY 2079/80
- Rs 19/ 1,000
- FY 2078/79
- Rs 19–70/ 1,000
- FY 2077/78
- Rs 19–70/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- न्यूनतम बीमाङ्क रु.100,000
- न्यूनतम समूह आकार: 10
- अधिकतम परिपक्वता उमेर: 65 वर्ष
- राइडर: ADB, PTD, PWB
Features
- मृत्यु बीनिफिट: बीमित रकम + घोषणा गरिएको र भुक्तानीयोग्य बोनस
- परिपक्वतामा बीनिफिट: बीमित रकम + घोषणा गरिएको बोनस
- वैकल्पिक राइडरहरू
- समूह र बीमा रकममा छुट/रिबेट उपलब्ध
Terms and conditions
- 1)Death Benefit: Sum Assured plus Bonus Declared and Vested.
- 2)Survival till Maturity Benefit: Sum Assured plus Bonus Declared and Vested.
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 and vested bonus
If the policy runs to maturity
This plan states: Sum Assured + declared and vested bonus
If death is caused by an accident
This plan states: Additional amount equal to Sum Assured or NPR 10,000,000 whichever is lower
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ त्यति थप दुर्घटना मृत्यु लाभ।
स्थायी पूर्ण अशक्तता लाभ (PTD)
बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ, १२० मासिक किस्तामा भुक्तानी।
बीमाशुल्क छुट सुविधा (PWB)
दुर्घटनाका कारण PTD भएपछि भविष्यमा तिर्नुपर्ने सबै बीमाशुल्क छुट हुन्छ।
Accidental Death Benefit (ADB)
Additional amount equal to sum assured or NPR 10,000,000, whichever is lower.
Permanent Total Disability Benefit (PTD)
Sum assured or NPR 10,000,000, whichever is lower, payable in 120 monthly installments subject to remaining-term conditions.
Premium Waiver Benefit (PWB)
All future premiums after PTD due to accident are waived.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request