SuryaJyoti Professional Endowment Insurance Policy
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. A corporate-targeted long-term endowment life insurance plan providing protection against death and disability during the policy term and a guaranteed maturity benefit with accrued bonuses at the end of the term.
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 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
- न्यूनतम बीमाङ्क रु. 1,500,000
- नीति अवधि 5–52 वर्ष
- राइडर कभरेजसम्म रु. 1,00,00,000 सम्म (सशर्त)
Features
- न्यूनतम बीमाङ्क रु. 1,500,000
- प्रवेश उमेर 18–65 वर्ष
- मृत्यु लाभ: बेसिक सम अशोर्ड + संचित बोनस
- परिपक्वता लाभ: बेसिक सम अशोर्ड + संचित बोनस
- वैकल्पिक राइडर: ADB, TPD, PWB (अतिरिक्त प्रिमियममा)
- TPD को पैसा 120 मासिक किस्तामा तिर्ने प्रावधान
- कम्पनी/कर्पोरेट ऋणको सुरक्षा (loan security) को रूप मा प्रयोग गर्न मिल्ने
Terms and conditions
- Advantages for employees
- Premium will be lower than EMI
- Financial protection
- Tax savings
- Savings with Investment return and bonus additional
- Advantages for the organisation
- Security of bank loan in case of death of borrower
- Effective HR tool for employee retention
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 endowment 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 as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ (ADB)
दुर्घटनाबाट मृत्यु भएमा आधारभूत बीमाङ्क बराबर 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।
Accidental Death Benefit (ADB)
Additional benefit equal to basic sum assured 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.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request