Saral Endowment 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. An affordable protection-cum-savings plan that provides financial protection and encourages regular savings over the policy term. Suitable as an alternative retirement or future corpus-building plan.
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 35–65/ 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 बीमित रकम: रु.25,000
- प्रवेश उमेर: 18–60 वर्ष
- नीति अवधि: 7–52 वर्ष
- विकल्पीय राइडरहरू उपलब्ध
Features
- मृत्यु लाभ: बीमाङ्क सहित घोषणा गरिएको बोनस वरिपरि
- परिपक्वतामा जीवन बिमाको बीमाङ्क र घोषणा गरिएको बोनस उपलब्ध
- वैकल्पिक राइडरहरू: दुर्घटना मृत्युदावी, स्थायी पूर्ण अपाङ्गता, प्रिमियम माफी, संकटरोग लाभ
- कम्तिमा बीमित रकम रु.25,000; अधिकतम बीमा सीमामा कुनै सीमा छैन
- प्रीमियममा बीमाङ्क ब्यान्ड अनुसार प्रति हजार छुट र भुक्तानी छुट
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 + Bonus Declared and Vested
If the policy runs to maturity
This plan states: Sum Assured + Bonus Declared and Vested
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 भविष्यका सबै 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 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.
Premium Waiver Benefit (PWB)
All future premiums after PTD due to accident 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
Premium
Quote on request