Limited Paying Endowment-cum-Whole Life 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. 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).
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 35–70/ 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
- 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
Terms and conditions
- 1)Death Benefit:
- a)On death of the life assured during the Endowment term of the policy, Sum Assured plus Bonus Declared and Vested.
- b)On death of the life assured post the Endowment term of the policy, Sum Assured without deducting the survival benefit already paid
- 2)Survival Benefit:
- a)On survival to end of Endowment Term: Sum Assured plus Bonus Declared and Vested is provided 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: During endowment term: Sum Assured + declared & vested bonus; Post endowment term: Sum Assured (survival benefits already paid not deducted)
After the premium-paying term ends
This plan states: At end of endowment term: Sum Assured + declared & vested bonus and policy becomes fully paid-up whole life
If death is caused by an accident
This plan states: Additional amount equal to Sum Assured or NRs.10,000,000 whichever is lower (ADB up to age 70)
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।
बीमाशुल्क छुट सुविधा (PWB)
दुर्घटनाका कारण PTD भएपछि भविष्यका सबै बीमाशुल्क छुट हुन्छन्।
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.
Premium Waiver Benefit (PWB)
All future premiums after PTD due to accident are waived.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
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
Premium
Quote on request