Triple 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. Endowment plan targeted at individuals with higher risk exposure and comparatively lower income. Natural death pays double sum assured; accidental death pays triple sum assured.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 20 | Rs 20 |
| 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 20–30/ 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
- प्राकृतिक मृत्युमा 2x बीमाङ्क
- दुर्घटनागत मृत्युमा 3x बीमाङ्क
- न्यूनतम बीमाङ्क रु.25,000
- ADB, PTD, PWB, CI राइडरहरू
Features
- प्राकृतिक मृत्युमा बीमासरको दुई गुणा बीमाङ्क
- दुर्घटनागत मृत्युमा बीमासरको तीन गुणा बीमाङ्क
- परिपक्वतामा एक गुणा बीमासर तथा घोषणा गरिएको बोनस
- राइडर उपलब्ध
- बीमासर तथा भुक्तानी आवृत्तिमा छुट/रिबेट उपलब्ध
Terms and conditions
- Death Benefit: Two Times the Sum Assured plus Bonus Declared and Vested.
- Survival till Maturity Benefit: One Times the 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: 2× Sum Assured + Bonus (natural death)
If the policy runs to maturity
This plan states: 1× Sum Assured + Bonus
If death is caused by an accident
This plan states: 3× Sum Assured (accidental death)
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