Limited Paying Endowment-cum-Whole Life Policy
Sum assured
Rs 50,000
Premium / yr
On request
Term
5–30 yrs
Entry age
18–65
About this plan
A limited-paying endowment cum whole life policy that combines endowment benefits with lifelong insurance coverage. Offers flexible payment options (single and limited payment terms).
What's included
Key highlights
- न्यूनतम बिमा रकम रु.50,000
- नीतिका अवधि: 5–30 वर्ष
- वैकल्पिक राइडरहरू उपलब्ध
- एकल र सीमित प्रीमियम भुक्तानी संरचना उपलब्ध
Features
- सावधिक/आजीवन जीवन बीमा दुवै लाभ
- लचिलो प्रीमियम भुक्तानी विकल्प: एकल र सीमित अवधि
- मृत्यु लाभ: एन्डोमेन्ट अवधिअघि मृत्यु हुँदा बीमित रकम + घोषणा गरिएको र भुक्तो भएका बोनस
- एन्डोमेन्ट अवधि पछि मृत्यु हुँदा मूल बीमित रकम उपलब्ध
- सर्भाइवल बेनेफिट: एन्डोमेन्ट अवधि पूरा हुँदा बीमित रकम + बोनस र पूर्ण रूपमा पेड-अप सम्पूर्ण जीवन बीमा
- वैकल्पिक राइडरहरू
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5 – 30 years
- Sum assured
- From Rs 50,000
- Premium modes
- Single, Yearly, Half-yearly, Quarterly, Monthly
Benefits payout
- Death benefit
- During endowment term: Sum Assured + declared & vested bonus; Post endowment term: Sum Assured (survival benefits already paid not deducted)
- Maturity benefit
- At end of endowment term: Sum Assured + declared & vested bonus and policy becomes fully paid-up whole life
- Accidental benefit
- Additional amount equal to Sum Assured or NRs.10,000,000 whichever is lower (ADB up to age 70)
Declared bonus
Rs 19–70 / 1,000
FY 2080/81
Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental Death Benefit (ADB)
Additional sum equal to Sum Assured or NRs.10,000,000 whichever is lower (available up to age 70).
Permanent Total Disability (PTD)
Sum Assured or NRs.10,000,000 whichever is lower payable in 120 monthly installments; premium waiver and other conditions apply (available up to age 70).
Premium Waiver Benefit (PWB)
Waives future premiums on occurrence of covered permanent total disability due to accident.
Loan & liquidity
- Paid-up value
- Yes
What's not covered
- Suicide within policy-specific waiting period (as per company rule)
- War, invasion, civil commotion, nuclear risks
- Losses due to participation in criminal acts
Other plans from सानिमा रिलायन्स लाइफ इन्स्योरेन्स
Premium
Quote on request