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SuryaJyoti Surakshit Bhawishya Jeevan Beema

by सूर्यज्योति लाइफ इन्स्योरेन्स

Whole lifeParticipatingCode 3
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6.2% market share100.0% claims settledEst. 2022

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. SuryaJyoti Surakshit Bhawishya Jeevan Beema is an endowment-cum-whole-life plan that provides lifelong cover and pays Basic Sum Assured with bonuses on maturity or to beneficiaries on death.

परिपक्वता अनुमान

Rs
Rs 1.00 lakhRs 2.00 crore
वर्ष

अनुमानित परिपक्वता रकम

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Declared bonus

Rate by policy term

Declared FY 2081/82

Policy termRate / 1,000Prev. year
0-9Rs 43Rs 43
10-14Rs 45Rs 45
15-19Rs 50Rs 50
20-24Rs 55Rs 55
25-29Rs 75Rs 75
30+Rs 75Rs 75

Recent years

FY 2081/82
Rs 43–75/ 1,000
FY 2080/81
Rs 43–75/ 1,000
FY 2079/80
Rs 40–70/ 1,000
FY 2077/78
Rs 40–70/ 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

  • राइडरमा ADB, TPD, प्रिमियम छुट, गम्भीर रोग उपलब्ध
  • बीमा अवधिः 5–52 वर्ष

Features

  • न्यूनतम बीमित रकम रु. 1,00,000
  • न्यूनतम अवधि 5 वर्ष, अधिकतम 52 वर्ष
  • प्रवेश उमेर 18–65 वर्ष
  • अधिकतम परिपक्वता उमेर 70 वर्ष
  • वार्षिक, अर्धवार्षिक र त्रैमासिक प्रिमियम भुक्तानी विकल्प
  • परिपक्वतामा बीमाङ्क साथै बोनस भुक्तानी
  • वैकल्पिक राइडरहरू: ADB, TPD, प्रिमियम छुट, गम्भीर रोग

सूर्यज्योति लाइफ इन्स्योरेन्स’s page for this plan

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.

  1. If the insured passes away during the term

    The nominee receives the sum assured plus the bonus built up to that date, whenever the claim arises — there is no end date on the cover.

    Typical for whole life plans — confirm the exact terms in the brochure.

  2. After the premium-paying term ends

    There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.

    Typical for whole life plans — confirm the exact terms in the brochure.

  3. 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 whole life plans — confirm the exact terms in the brochure.

Optional riders

Accidental death (ADB)PTD / PWBCritical illness (CI)

  • दुर्घटना मृत्यु लाभ (ADB)

    दुर्घटनाबाट मृत्यु भएमा थप लाभ।

  • दुर्घटनाजन्य पूर्ण स्थायी अशक्तता (TPD)

    दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा आधारभूत बीमाङ्क १२० मासिक किस्तामा भुक्तानी।

  • बीमाशुल्क छुट सुविधा (PWB)

    दुर्घटनाबाट पूर्ण स्थायी अशक्तता भएमा भविष्यको बीमाशुल्क छुट हुन्छ।

  • 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 after accidental total permanent disability.

  • 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
Grace period
30 days for annual

Pros & cons

Pros

  • HIGHEST bonus rates in Nepal - Rs 90 per 1000 SA (Chaurasi Puja plan)
  • 200+ branches - one of the widest networks
  • Merged entity of Surya Life + Jyoti Life - strong capital base
  • Competitive premium rates
  • Extensive product portfolio

Cons

  • Merged company - still integrating systems (may cause delays)
  • Bonus rates vary widely by product (Rs 40-90)
  • Brand recognition still building post-merger
  • Some products inherited from pre-merger may be discontinued

What affects your premium

  • Age at entry
  • Sum assured
  • Policy term (15-25 years)
  • Specific product selected (affects bonus)

How to claim

  1. 1Notify nearest branch
  2. 2Submit death certificate and policy
  3. 3Verification process
  4. 4Settlement within stipulated time

Best for

Bonus seekersWide network usersLarge policy holdersLong-term investors

What's not covered

  • Suicide within first 2 years
  • Pre-existing undisclosed conditions
  • Death from criminal activity

Premium

Quote on request

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