SuryaJyoti Sawadhik Endowment 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. SuryaJyoti Sawadhik Endowment Plan is a traditional saving-cum-protection plan where low fixed premiums are payable for a chosen term. On death or maturity the basic sum assured with declared bonus is paid. Optional riders are available.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 43 | Rs 43 |
| 10-14 | Rs 45 | Rs 45 |
| 15-19 | Rs 50 | Rs 50 |
| 20-24 | Rs 55 | Rs 55 |
| 25-29 | Rs 75 | Rs 75 |
| 30+ | Rs 75 | Rs 75 |
Recent years
- FY 2081/82
- Rs 43–75/ 1,000
- FY 2080/81
- Rs 43–75/ 1,000
- FY 2079/80
- Rs 43–75/ 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 बीमालेख रु. 25,000
- बोनससहित परम्परागत सहभागी योजना
- ADB / TPD / PWB राइडर उपलब्ध
Features
- न्यूनतम बीमालेख रकम रु. २५,०००
- परिपक्वता उमेर अधिकतम ७० वर्ष
- प्रीमियम भुक्तानी मोड: वार्षिक, अर्धवार्षिक, त्रैमासिक
- मृत्यु वा परिपक्वतामा आधारभूत बीमालेख + 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, 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
Premium
Quote on request