Sun Life Endowment Golden Plan
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. Sun Life Endowment Golden Plan is an endowment life insurance product that offers an enhanced sum assured at maturity. Death benefit is 150% of basic sum assured plus bonuses. At maturity the policyholder receives basic sum assured + enhanced sum assured (term-based 25%–40%) + bonuses.
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 36 | — |
| 20-24 | Rs 55 | — |
Recent years
- FY 2081/82
- Rs 36–55/ 1,000
- FY 2080/81
- Rs 30–52/ 1,000
- FY 2079/80
- Rs 30–50/ 1,000
- FY 2078/79
- Rs 40–70/ 1,000
- FY 2077/78
- Rs 30–75/ 1,000
Source: सन नेपाल 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
- म्याच्युरिटीमा अतिरिक्त बीमाङ्क 25–40%
- मृत्यु लाभ 150% आधार बीमाङ्क + बोनस
- विविध राइडरहरू उपलब्ध
Features
- मृत्यु लाभ: आधार बीमाङ्कको 150% + बोनस
- म्याच्युरिटी लाभ: आधार बीमाङ्क + विशेष बीमाङ्क + बोनस
- विशेष बीमाङ्क 10–14 वर्ष, 15–19 वर्ष , 20 वर्ष
- राइडरहरू उपलब्ध
- न्यूनतम बीमाङ्क: रु. 200,000
Terms and conditions
- 1)Death Benefit
- 150% of Basic Sum Assured plus bonuses
- 2)Survival Benefit
- Basic Sum Assured + Enhanced Sum Assured at Maturity + bonuses
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
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment plans — confirm the exact terms in the brochure.
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 endowment plans — confirm the exact terms in the brochure.
Optional riders
सन मेडिकेयर
ऐच्छिक आपतकालीन चिकित्सा राइडर
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक स्थायी पूर्ण अशक्तता राइडर
बीमाशुल्क छुट लाभ
ऐच्छिक बीमाशुल्क छुट राइडर
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
Sun Medicare
Optional emergency medical rider
Accidental Death Benefit
Optional accidental death rider
Permanent Total Disability Benefit
Optional PTD rider
Premium Waiver Benefit
Optional premium waiver rider
Critical Illness Benefit
Optional critical illness rider
Funeral Expense Benefit
Optional funeral expense rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
Premium
Quote on request