Limited Payment Endowment (Nawa Dhana Laxmi Jeevan Beema)
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. You also receive part of the cover amount at set points during the term, not only at the end. A limited premium payment endowment plan with a money-back feature. Policy terms are 10, 15 or 20 years while premiums can be paid as single (within 1 year), or over 3, 7, 12 or 16 years. The plan provides periodic survival benefits and an enhanced sum assured at maturity plus accrued bonuses.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 25 | — |
| 15-19 | Rs 25 | — |
Recent years
- FY 2081/82
- Rs 25/ 1,000
- FY 2080/81
- Rs 23–25/ 1,000
- FY 2079/80
- Rs 25–27/ 1,000
- FY 2078/79
- Rs 40–70/ 1,000
- FY 2077/78
- Rs 20–30/ 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
- मनी-ब्याक एन्डाउमेन्ट
- बीचबीचमा सर्भाइभल भुक्तानी
- परिपक्वतामा बढेको र बीमाङ्क +बोनस
Features
- सीमित प्रिमियम भुक्तानी विकल्प
- मनी-ब्याक (सर्भाइभल) लाभ: मध्यावधि वर्षहरूमा बीमाङ्कको प्रतिशत भुक्तान
- परिपक्वतामा बढेको बीमाङ्क
- राइडर उपलब्ध
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 + Accrued Bonus
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Enhanced Sum Assured (10% for 10yr, 15% for 15yr, 20% for 20yr) + Accrued Bonus
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 money-back plans — confirm the exact terms in the brochure.
Optional riders
सन मेडिकेयर
आपतकालीन चिकित्सा राइडर
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
Sun Medicare
Emergency medical rider
Accidental Death Benefit
Optional accidental death rider
Funeral Expense Benefit
Optional funeral expense rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
Premium
Quote on request