Endowment/Anticipated Cum Whole Life Assurance Plan With Profit This plan is an ideal savings and protection plan at an affordable price. Apart from covering the risk, helps the policyholder save regularly over the term of the policy. The plan gives the flexibility to choose additional yearly money-back options to customers which must be selected at the time of purchase.

» KEY BENEFITS

MATURITY BENEFIT
UNDER OPTION-1
Sum assured along with the accrued bonuses (if any).

UNDER OPTION-2
100% of the sum assured is payable at the end of the premium payment term.
After the completion of the premium payment term, 5% of the sum assured is payable every year (policy anniversary date) until the age of 79 years along with accrued bonuses (if any) accumulated till the end of the premium payment term is payable at
the age of 80.

DEATH BENEFIT
UNDER OPTION-1
Insured death during the premium paying period the Product pays out 100% of the sum assured plus accrued bonuses (if any).

UNDER OPTION-2
Insured death during the premium paying period, 100% of the sum assured plus accrued bonuses (if any).
Post the premium payment term 50% of the sum assured along with accrued bonuses (if any) will be payable on death till 80 years.

» ELIGIBILITY
Minimum Sum Assured: NPR 25,000.
Maximum Sum Assured: As per the source and level of income.
Minimum and Maximum Entry Age: 18-65 Years.
Policy Term (Option – 1 & 2 ): 5-35 Years.
Risk Coverage Period (Option – 2): 15-62 Years.
Maximum Maturity Age (Option-1):70 Years.
Maximum Maturity Age (Option-2 ) : 80 Years.
Maximum Age at the end of the premium paying Term: 70 for both options 1 and 2.

Premium Payment Mode: Yearly, Half-Yearly, Quarterly, Monthly / Salary Saving and Single Mode (For Option-1 Only).

POLICY LOAN & SURRENDER:
UNDER BOTH OPTIONS:
1. Surrender is only applicable upon completion of three full policy years & 3 full premium payments from the date of commencement.
2. After completion of three years of premium payment 90% of its surrender value will be applicable for the policy loan.

COMPREHENSIVE ADDITIONAL BENEFIT
OPTION TO CHOOSE:
Accidental Rider Benefit, Accidental Rider Benefit / Permanent Total Disability Benefit / Premium Wavier Benefit, Critical Illness.

 Sunaulo Bhabisya 

Risk Not Covered by Insurance

If the death of the insured is directly or indirectly due to any of the following reasons, the amount to be paid under the insurance policy is not as per the sum assured mentioned in the schedule but if there is any surrender value of the insurance policy, only that amount will be paid calculation as per NIA guidelines.

For Single Plan :

• 1-3 years after date of commencement: 80% of paid premium (except riders + vested bonus )

• After completion of 3 years from date of commencement: 80% of paid premium (except riders + vested bonus )

• After completion of 4 years from date of commencement: 85% of paid premium (except riders + vested bonus )

• After completion of 5 years from date of commencement: 90% of paid premium (except riders + vested bonus )

In the following cases, claims will be excluded for consideration.

• Engaging in aviation other than as a fare-paying passenger on a regular route of a recognized aviation service

• Any war-like operations (whether war be declared or not), riot, civil commotion, rebellion or invasion

• Any breach of civil or military law

• Suicide, whether sane or insane, within two years after the date of commencement of assurance.

• Engaging in risky occupations without formal notification to the Company.

Except for the risks mentioned above, this policy will not restrict migration, travel, or occupation abroad.

If any dispute arises under this policy, it will be solved in accordance with the Insurance Act, 2079.

यस कम्पनीको सुरक्षित जीवन बीमा योजनाको व्यापक सफलता पश्चात् कम्पनीले समस्त बीमितहरु माझ नेपाल लाइफ नौलो सुरक्षित जीवन बीमा योजना सावधिक जीवन बीमा ल्याईएको हो ।
यस बीमामा १८ देखि ७० वर्ष सम्मको कुनै पनि  स्वस्थ व्यक्तिले प्रवेश गर्न पाउनेछन् भने अधिकतम बीमाङ्क आफ्नो आय आर्जनको आधारमा छनोट गर्न सक्नेछन् ।
मुख्य विशेषताहरुः
    क) बीमालेख चालु रही बीमा अवधि समाप्ति मितिसम्म बीमित जीवित रहेमा “बीमालेखमा उल्लेख भएको बीमाङ्क रकम + आर्जित बोनश, बीमा अवधि समाप्तिमा  एकमुष्ट दिइने छ ।”
    ख) बीमालेख चालु रही बीमा अवधि भित्र जुनसुकै कारणबाट (बीमालेख अन्तर्गत नपर्ने जोखिमहरु बाहेक) बीमितको मृत्यु भएमा “बीमाङ्क रकम + आर्जित बोनश एकमुष्ट दिइने छ ।”
    ग) दुर्घटना मृत्यु लाभ सुविधा (ADB)  लिएको अवस्थामा चालु बीमालेख अन्तर्गत बीमा अवधि भित्र बीमितको दुर्घटनाको कारणबाट मृत्यु भएमा “बीमालेखमा उल्लेख भएको बीमाङ्क रकम + ADB सुविधा वापतको बीमाङ्क रकम + आर्जित बोनश रकम एकमुष्ट भुक्तानी दिइनेछ ।”
    घ) दुर्घटना मृत्यु लाभ तथा अपाङ्ग अशक्त (ADB/PTD/PWB) सुविधा लिएका बीमालेख चालु रही बीमा अवधि भित्र बीमितको दुर्घटनाको कारणबाट स्थायी अङ्गभङ्ग भई स्थायी अशक्तता भएमा “बाँकी बीमाशुल्क भुक्तानीमा छुट दिइनुका साथै अपाङ्ग अशक्त सुविधा बराबर रकम मासिक १२० समान किस्तामा अपाङ्ग अशक्त बीमितलाई भुक्तानी गरिनेछ ।”

नौलो सुरक्षित जीवन बीमा योजना

विशेषताहरुः

यस बीमा योजना अन्तर्गतका केहि सुविधाहरुः

•     यस बीमा योजना अन्तर्गत वार्षिक रुपमा बीमाशुल्क भुक्तान गर्दा १% सम्म छुट पाउन सकिन्छ ।

•     यस बीमा योजनामा ३ वर्षको बीमाशुल्क भुक्तान गर्नुको साथै ३ वर्ष पुरा भइसकेपछि समर्पण मूल्य प्राप्त गर्नुको साथै बीमालेखलाई धितो राखि समर्पण मूल्यको ९०% सम्म ऋण लिन सकिन्छ ।

यस ब्रोसरमा उल्लेखित जानकारीहरु सम्भाब्य सर्वसाधारण ग्राहकहरुलाई नेपाल लाइफ नौलो सुरक्षित जीवन बीमा योजनाको बारेमा बुझाउने र सिकाउने उदेश्यले राखिएको हो ।
यस बीमा योजना अन्तर्गत बीमालेखको अपवाद तथा नेपाल लाइफको विभिन्न नियम र सर्तहरू लागु हुनेछन् ।

जीवन ज्योति बीमा योजना सिमित भुक्तानी सावधिक जीवन बीमा हो । पटक पटक बीमा शुल्क भुक्तानी गर्न झन्झट मान्ने ग्राहकहरुलाई मध्यनजर राखी एकल तरिका अनुरुप तथा किस्ता बन्दीमा पनि बीमा शुल्क भुक्तानी गर्न सकिने र आफ्ना बालबच्चाको नाममा समेत एकमुष्ट रकम जम्मा गरी उनिहरुको भविश्य उज्ज्वल बनाउने नयाँ किसिमको बीमा योजना हो ।

यस बीमा योजनामा बीमा समाप्ति मिति सम्म बीमित जीवित रहेमा वा बीमा समाप्ति मिति अगावै बीमितको मृत्यु भएमा बीमालेखको शर्तहरुको अधिनमा रही बीमाङ्क रकम र उक्त समय सम्मको आर्जित बोनस रकम एकमुष्ट भुक्तानी दिइने व्यवस्था छ ।

जीवन ज्योती बीमा योजना

विशेषताहरुः

जीवन सारथी बीमा योजना जीवन बीमा व्यवसायको क्षेत्रमा एउटा नौलो खालको जीवन बीमा याजेना हो । श्रीमान, श्रीमती (दम्पत्ति) दुवैको संयुक्त नाममा एउटै बीमा पोलिसी भित्र दुवैको जीवन बीमा हुन सक्नु नै यस योजनाको सुन्दर पक्ष हो । यसबाट पारिवारिक वातावरणमा एउटा सुमधुर सम्बन्ध स्थापित भइरहनेछ । शिक्षित भई आय आर्जनमा लागेका विवाहित दाम्पत्य जीवनलाई ध्यानमा राखी यस जीवन सारथी बीमा योजना तर्जुमा गरिएको छ ।

जीवन सारथी बीमा योजना

विशेषताहरू

Product Launch Date:29/07/2007

This is JOINT LIFE POLICY. The policies under this plan are issued on the lives of husband and wife provided both lives are gainfully employed. In Joint Life Insurance, the same insurance policy covers two individuals. This helps them to save and avoid delays in giving two different sets of premiums. Joint Life Insurance is the hassle-free way to make yourself and your loved one’s (partner) life secure mutually. To secure both husband and wife’s lives in one single policy in low premium comparatively to the individual policy company has launched JEEVAN SARATHI BEEMA YOZANA.

SALIENT FEATURES:

• Age at Entry: 18 years to 50 years

• Maximum Maturity Age: 65 years

• Terms of Policy: 15 years to 30 years

• Minimum Sum Assured: NRs. 5,000

• Rider Benefit: Only ADB and CI benefit is available (ADB/PTD/PWB is not applicable)

• Maximum Sum Assured: Depending upon the source of income

• Premium Payment Mode: Quarterly, Half-Yearly, and Yearly

• Policy loan shall be available after the policy acquires paid-up/surrender value. Policy Loan shall be a maximum of 90% of the surrender value.

Basic Benefits:

• On both of the lives Assured or anyone surviving to the date of Maturity: FULL SUM ASSURED ALONG WITH VESTED BONUSES will be paid.

• In case of death of any of the Life Assured during the term of the policy (before maturity) , Basic Sum Assured will be paid to the surviving Life Assured as well remaining premium will be waived and at the end of the policy Term SUM ASSURED + BONUS from the beginning will be paid to the surviving one.

• In case of death of both Life Assured during the term of the policy, FULL SUM ASSURED ALONG WITH VESTED BONUSES will be paid to the nominee/ beneficiary.

• If Both Life Assureds has taken ADB benefit and in case of demise of both lives die simultaneously as a result of accident or die within the specified period as a result of the same accident or if the second life also dies in the same policy year as a result of another accident, ADB benefit will be available in respect of both lives .

Optional Benefits (Rider Benefits):

With payment of additional premium, following additional benefits can be taken:

1. Accidental Death Benefit (ADB) Only:

This is a rider benefit which offers protection on occurrence of death of the policyholder due to accident.

It can be taken with payment of additional Rs. 1 per thousand per life. In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.

2. Critical Illness Benefit:

This is a Rider benefit. If the life assured is diagnosed with specific illness defined under this plan during the policy term, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured. Undermentioned conditions should be followed to have Critical Illness.

Entry age: Minimum 18, Maximum: 65, Policy maturity age: 70, Coverage: Minimum Rs.50, 000, Maximum: Rs. 50,00,000, Policy Term: Minimum 5 Years to Maximum 20 years.

Risk Not Covered by Insurance

If the death of the insured is directly or indirectly due to any of the following reasons, the amount to be paid under the insurance policy is not as per the sum assured mentioned in the schedule but if there is any surrender value of the insurance policy, only that amount will be paid.

In the following cases, claims will be excluded for consideration.

• Engaging in aviation other than as a fare paying passenger on a regular route of a recognized aviation service

• Any war-like operations (whether war be declared or not), riot, civil commotion, rebellion or invasion

• Any breach of civil or military law

• Suicide, whether sane or insane, within two years after the date of commencement of assurance.

Except for the risks mentioned above, this policy will not restrict migration, travel, or occupation abroad.

If any dispute arises under this policy, it will be solved in accordance with the insurance Act, 2049.

Product Launch Date:12/07/2016

Micro insurance plans are the plans which cater to meet the needs of rural sectors. These insurance solutions provide an opportunity for every person to protect his family’s future. The low premium rates make it feasible. Endowment plans are also crafted to meet goal based needs of the rural people.

Thus, Nepal Life Insurance has introduced Micro Endowment plan to secure every family in the rural areas. It is an endowment with profit plan which focus for savings and protection to the low income people.