SuryaJyoti Dhan Laav Jeevan Beema (Money Back Plan)
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. SuryaJyoti Dhan Laav Jeevan Beema is a money-back life insurance plan offering long-term savings with periodic payouts of a fixed percentage of the sum assured during the policy term.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 43 | Rs 43 |
| 15-19 | Rs 45 | Rs 45 |
| 20-24 | Rs 50 | Rs 50 |
Recent years
- FY 2081/82
- Rs 43–50/ 1,000
- FY 2080/81
- Rs 43–50/ 1,000
- FY 2079/80
- Rs 43–50/ 1,000
- FY 2077/78
- Rs 42–60/ 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
- आवधिक मनी-ब्याक किस्ताहरू
- लचिलो अवधि: 12/15/20 बर्ष
- प्रवेश उमेर 18 वर्षदेखि
Features
- न्यूनतम बीमांक रु. ५०,०००
- नीति अवधिहरू: 12 / 15 / 20 वर्ष
- प्रवेश उमेर: 18 वर्षदेखि; अधिकतम प्रवेश उमेर अवधिनुसार फरक (१२वर्षको लागि 58, १५को लागि 55, २०को लागि 50)
- आवधिक मनी-ब्याक किस्ताहरू (4th,5th,8th,10th,12th,15th,20th वर्षहरूमा निर्भर)
- मृत्युदरमा बीमांक र बोनस भुक्तानी
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।
दुर्घटनाजन्य पूर्ण स्थायी अशक्तता (TPD)
दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा आधारभूत बीमाङ्क १२० मासिक किस्तामा।
बीमाशुल्क छुट सुविधा (PWB)
दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा भविष्यको बीमाशुल्क छुट।
घातक रोग लाभ (CI)
निर्धारित १८/३५ घातक रोगको निदान भएमा एकमुष्ट लाभ।
Accidental Death Benefit (ADB)
Additional benefit on accidental death.
Accidental Total Permanent Disability (TPD)
Additional benefit equal to basic sum assured payable in 120 monthly installments.
Premium Waiver Benefit (PWB)
Future payable premiums are waived after accidental total permanent disability.
Critical Illness Benefit (CI)
Lump-sum benefit on diagnosis of a defined 18/35 critical illness.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request