Sun Life Nabeen Ajeewan 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. An endowment-cum-whole-life assurance combining savings with lifelong protection. Provides maturity benefit (sum assured + vested bonuses) and life cover up to age 100, with optional riders such as accidental death and critical illness.
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 38 | — |
| 15-19 | Rs 40 | — |
| 20-24 | Rs 62 | Rs 62 |
| 25-29 | Rs 70 | — |
| 30+ | Rs 80 | — |
Recent years
- FY 2081/82
- Rs 38–80/ 1,000
- FY 2080/81
- Rs 38–80/ 1,000
- FY 2079/80
- Rs 38–75/ 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
- सावधिक + आजीवन संयोजन
- न्यूनतम बीमांक रु.100,000
- अधिकतम बीमां अवधि 52 वर्ष
Features
- दोहोरो सुरक्षा: परिपक्वतामा बीमाङ्क र आजीवन कभर
- गारान्टेड परिपक्वता लाभ: परिपक्वतामा पूर्ण बीमांक र बोनस
- नियत गरिएको आजीवन कवरेज – उमेर 100 सम्म
- वैकल्पिक राइडर उपलब्ध
- प्रीमियम भुक्तानी अवधिमा मृत्युमा पूर्ण बीमांक + बोनस भुक्तानी
Terms and conditions
- Death Benefits During Premium Paying Term:
- On death of life assured during the paying term of policy, FULL SUM ASSURED Plus Vested Bonus in the policy will be paid.
- Survival Benefit:
- 1) On survival of life assured until the end of premium paying term, FULL SUM ASSURED Plus Vested Bonus in the policy will be paid.
- 2) On survival to 100 years age: Full Sum Assured will be paid if not paid earlier due to death.
- 3) Death Benefits Post Premium Paying Term: On death of life assured after the premium paying term of policy, FULL SUM ASSURED of the policy will be paid.
- Riders:
- 4)Riders are available at an additional premium and subject to policy terms and conditions.
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: Full Sum Assured + Vested Bonus during premium paying term; Full Sum Assured after premium paying term
After the premium-paying term ends
This plan states: Full Sum Assured + Accrued Bonuses
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 whole life plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
दुर्घटनाजन्य मृत्युमा ऐच्छिक थप बीमांक रकम
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक अशक्तता राइडर
बीमाशुल्क छुट लाभ
ऐच्छिक बीमाशुल्क छुट राइडर
घातक रोग लाभ
१८ प्रमुख घातक रोगका लागि ऐच्छिक लाभ
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च लाभ
सन मेडिकेयर
ऐच्छिक आपतकालीन चिकित्सा राइडर
Accidental Death Benefit
Optional additional sum assured for accidental death
Permanent Total Disability Benefit
Optional disability rider
Premium Waiver Benefit
Optional premium waiver rider
Critical Illness Benefit
Optional critical illness benefit covering 18 major illnesses
Funeral Expense Benefit
Optional funeral expense benefit
Sun Medicare
Optional emergency medical rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
Premium
Quote on request