15-Years Money Back Cum Whole Life Assurance (Saarthak 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. You also receive part of the cover amount at set points during the term, not only at the end. A money-back cum whole life plan where premiums are paid for a fixed period but cover continues until death or attainment of age 100. On survival to term end, full sum assured plus declared & vested bonuses are payable. Additional sum assured is payable at age 100 or to nominee on death after policy term but before age 100.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 15 | Rs 40 | Rs 39 |
Recent years
- FY 2081/82
- Rs 40/ 1,000
- FY 2080/81
- Rs 39/ 1,000
- FY 2079/80
- Rs 42/ 1,000
- FY 2078/79
- Rs 42–60/ 1,000
- FY 2077/78
- Rs 36/ 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
- ५-, १०-, १५-वर्ष मनी-ब्याक सुविधाहरू
- १०० वर्षसम्मको अजीवन कभर
- घोषित बोनसहरू सहित बीमाङ्क
Features
- प्रीमियम भुक्तानी अवधि: १५ वर्ष
- अजीवन (upto age 100) सम्म जोखिम आवरण: यदि पहिल्यै नभए बीमाङ्क उमेर १०० मा भुक्तान
- मृत्यु लाभ: प्रीमियम भुक्तानी अवधिमा मृत्यु भए बीमाङ्क+बोनस
- राइडरहरू उपलब्ध
Terms and conditions
- 1) Full sum assured will be provided at age 100.
- 2)On death of life assured during the paying term of policy, full sum assured Plus Vested Bonus in the policy will be paid.
- 3)On Death of Life Assured after the premium paying term full Sum Assured will be paid.
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: During premium paying term: Full Sum Assured + Vested Bonus; After premium paying term: Full Sum Assured
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
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back 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 money-back plans — confirm the exact terms in the brochure.
Optional riders
सन मेडिकेयर
आपतकालीन चिकित्सा राइडर
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु राइडर
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक PTD राइडर
बीमाशुल्क छुट लाभ
ऐच्छिक बीमाशुल्क छुट लाभ
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
Sun Medicare
Emergency medical rider
Accidental Death Benefit
Optional accidental death rider
Permanent Total Disability Benefit
Optional PTD rider
Premium Waiver Benefit
Optional premium waiver benefit
Critical Illness Benefit
Optional critical illness rider
Funeral Expense Benefit
Optional funeral expense rider
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 2 years
What's not covered
- Suicide within policy-specified exclusion period
- War, civil commotion and related exclusions
- Pre-existing conditions not disclosed at proposal
Premium
Quote on request