SajiloBima

SuryaJyoti Surakshit Bhawishya Jeevan Beema

by सूर्यज्योति लाइफ इन्स्योरेन्स

Whole lifeRecommended

About this plan

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.

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

Eligibility & term

Entry age
18 – 65 years
Policy term
5-52 yrs

Declared bonus

Rs 40–90 / 1,000

FY 2080/81

Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.

Optional riders

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

  • ADB

    Accidental Death Benefit

  • Critical Illness

    Critical illness coverage

  • Premium Waiver

    Premium waiver on disability

Loan & liquidity

Surrender allowed
After 3 years
Surrender value
80% of paid premiums
Loan facility
Up to 90% of surrender value
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

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Premium

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