SuryaJyoti Chaurasi Puja Jeevan Beema
by सूर्यज्योति लाइफ इन्स्योरेन्स
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. Long-term life insurance plan offering regular income (anticipated payouts) after premium payment term. Pays vested bonus at end of premium term and then 6% of basic sum assured annually until one year before maturity; maturity benefit is 150% of sum assured. Offers single-payment and limited premium-payment options.
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 |
|---|---|---|
| 10-14 | Rs 45 | Rs 45 |
| 15-19 | Rs 50 | Rs 50 |
| 20-24 | Rs 55 | Rs 55 |
| 25-29 | Rs 65 | Rs 65 |
| 30+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 45–70/ 1,000
- FY 2080/81
- Rs 45–70/ 1,000
- FY 2079/80
- Rs 45–70/ 1,000
- FY 2077/78
- Rs 45–90/ 1,000
Source: सूर्यज्योति 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
- प्रत्येक वार्षिकोत्सवमा ६% बाँच्ने लाभ
- परिपक्वतामा १५०% बीमित रकम
- प्रारम्भिक बीमित रकम रु. 100,000 बाट
Features
- प्रिमियम पेमेन्ट मोड: वार्षिक, अर्धवार्षिक, त्रैमासिक
- प्रिमियम अवधि समाप्त भएपछि बोनस भुक्त्याइने र आरम्भदेखि एक वर्ष पहिले सम्म प्रत्येक वार्षिकोत्सवमा ६% बाँच्ने लाभ
- परिपक्वतामा १५०% बीमित रकम भुक्त्याइने
- मृत्यु लाभ: प्रिमियम भुक्तानी अवधिमा २५०%+बोनस; पश्चात् ७० भन्दा अगाडि मृत्युमा २००%+बोनस
- वैकल्पिक राइडर: ADB, TPD र प्रिमियम वाइवर उपलब्ध
Terms and conditions
- Survival benefit-
- From second policy anniversary till 1 year before policy termination (6% of Basic Sum Assured)
- Maturity benefit-
- Policy matures at 82 years. 150% of Sum assured without deducting 6% benefit already paid
- Death benefit
- 1. Death during premium paying term 250% basic sum assured plus bonuses
- 2. Death after premium paying term 200% basic sum assured plus bonuses
- 3. Death after 70 years but before 82 years- Sum assured *1.5 times return
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
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
दुर्घटना मृत्यु लाभ (ADB)
दुर्घटनाबाट मृत्यु भएमा थप लाभ।
Accidental Death Benefit (ADB)
Additional benefit on accidental death.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request