SuryaJyoti Yekal-Simit Awadhi Bhuktani Jeevan Beema - Limited/Single 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. Under this plan the premium for the entire policy term can be paid as a single payment or for a limited term. At maturity or in case of unfortunate death, the basic sum assured plus declared bonus is paid as a lump sum. Under Option 2, in addition to death benefits, an additional basic sum assured is payable at maturity.
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 |
|---|---|---|
| 0-9 | Rs 43 | Rs 40 |
| 10-14 | Rs 45 | Rs 41 |
| 15-19 | Rs 50 | Rs 45 |
| 20-24 | Rs 55 | Rs 54 |
| 25-29 | Rs 75 | Rs 60 |
| 30+ | Rs 75 | Rs 70 |
Recent years
- FY 2081/82
- Rs 43–75/ 1,000
- FY 2080/81
- Rs 40–70/ 1,000
- FY 2079/80
- Rs 43–75/ 1,000
- FY 2077/78
- Rs 75–90/ 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
- एकल/सीमित प्रिमियम भुक्तानी
- बोनस सहित एकमुुष्ट परिपक्वता/मृत्यु लाभ
- विकल्प २ मा परिपक्वतामा अतिरिक्त बीमित रकम
Features
- एकल वा सीमित प्रिमियम भुक्तानी विकल्प
- परिपक्वतामा वा मृत्युपछि बुनियादी बीमित रकम + बोनस एकमुुष्ट भुक्तानी
- विकल्प २ मा परिपक्वतामा अतिरिक्त बुनियादी बीमित रकम दिइने
- पालिसी अवधिहरू: 5, 10, 15, 20, 25 वर्ष
Terms and conditions
- Option 1
- If insured is still alive sum assured plus bonus will be paid at maturity
- If insured die during the term, sum assured plus accrued bonus till date is paid to the nominee
- Option2
- If insured is still alive sum assured plus bonus will be paid at maturity
- If insured die during the term, sum assured plus accrued bonus till date is paid to the nominee. Also the policy will continue till maturity and additional amount equal to sum assured is again paid to the nominee
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, and the policy ends.
Typical for life insurance plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date on the maturity date.
Typical for life insurance 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 life insurance plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
दुर्घटनाबाट मृत्यु भएमा थप लाभ।
दुर्घटनाजन्य पूर्ण स्थायी अशक्तता (A-TPD)
दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा आधारभूत बीमाङ्क १२० मासिक किस्तामा।
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 (A-TPD)
Additional benefit equal to basic sum assured payable in 120 monthly installments.
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