Joint Life Endowment
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. One policy covers both partners, instead of buying two separate ones. An endowment plan for married couples providing joint cover for two lives. Offers death benefit, maturity benefit with declared bonuses and optional riders are availiable.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15-19 | Rs 20 | Rs 20 |
| 20-24 | Rs 25 | Rs 25 |
| 25+ | Rs 30 | Rs 30 |
Recent years
- FY 2081/82
- Rs 20–30/ 1,000
- FY 2080/81
- Rs 20–35/ 1,000
- FY 2079/80
- Rs 20–30/ 1,000
- FY 2078/79
- Rs 20–30/ 1,000
- FY 2077/78
- Rs 20–30/ 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
- न्यूनतम बीमास रकम: रु. 50,000
- बीमा अवधि: 15–30 वर्ष
- अधिकतम परिपक्वता आयु: 70 वर्ष
Features
- दुवै जीवनमाथिको संयुक्त सुरक्षा
- परिपक्वतामा बीमास रकम सहित घोषित बोनस
- ऐच्छिक राइडरहरू: ADB, PTD, PWB, CI
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 either partner passes away during the term
This plan states: Sum Assured
If the policy runs to maturity
This plan states: Sum Assured + Bonus Declared and Vested
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 couple plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
बीमाङ्क रकम वा रु. १,००,००,००० मध्ये जुन कम हुन्छ त्यति दुर्घटना मृत्यु लाभ, दोस्रो मृत्युका लागि तोकिएका शर्तसहित।
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)
कुनै एक बीमितको मृत्यु वा PTD भएमा भविष्यका बीमाशुल्क छुट हुन्छन्।
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 accident benefit equal to sum assured or NPR 10,000,000, whichever is lower, subject to the policy-year conditions for the second death.
Permanent Total Disability Benefit (PTD)
Sum assured or NPR 10,000,000, whichever is lower, payable in 120 monthly installments subject to policy-year conditions.
Premium Waiver Benefit (PWB)
On death or PTD of either life assured, future premiums are waived.
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
What's not covered
- Suicide as per standard waiting period
- War, invasion, nuclear risks and similar perils
- Claims arising from illegal acts or intoxication
- Pre-existing conditions not disclosed
Premium
Quote on request