Sunlife Endowment Assurance Life Insurance
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. The SunLife Endowment Assurance plan combines disciplined savings with life insurance protection. It provides a guaranteed lump-sum at maturity if the life survives the policy term, and the full Sum Assured plus declared bonuses to beneficiaries in case of death during the policy period. Optional riders can be added for extra protection.
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 33 | — |
| 15-19 | Rs 36 | — |
| 20-24 | Rs 55 | Rs 52 |
| 25-29 | Rs 60 | Rs 55 |
| 30+ | Rs 60 | Rs 65 |
Recent years
- FY 2081/82
- Rs 33–60/ 1,000
- FY 2080/81
- Rs 30–65/ 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
- परिपक्वता ग्यारेन्टी रकम
- घटना मृत्युमा पूर्ण बीमाङ्क + बोनस
- प्रवेश उमेर: 18–65 वर्ष
Features
- अवधिपछि ग्यारेन्टिड परिपक्वता रकम
- मृत्यु भएमा पूर्ण बीमाङ्क र घोषित बोनस उपलब्ध
- घटक बचत र जीवन सुरक्षा संयोजन
- वैकल्पिक राइडहरू: ADB, PWB, Critical Illness, Sun Medicare, Funeral Expenses
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 + declared bonuses
If the policy runs to maturity
This plan states: Lump sum at maturity (Sum Assured + declared 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
दुर्घटनाजन्य मृत्युमा थप बीमांक रकम
स्थायी पूर्ण अशक्तता लाभ
ऐच्छिक स्थायी पूर्ण अशक्तता लाभ
बीमाशुल्क छुट लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक बीमाशुल्क छुट
सन मेडिकेयर
ऐच्छिक आपतकालीन चिकित्सा राइडर
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च राइडर
Accidental Death Benefit
Optional additional sum assured in case of accidental death
Permanent Total Disability Benefit
Optional PTD benefit
Premium Waiver Benefit
Optional premium waiver in case of permanent total disability
Sun Medicare
Optional emergency medical 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