Citizen Jeevan Saarathi Yojana
Money-back
About this plan
Long-term protection plan providing life cover up to age 90 with periodic money-back payments at ages 70,75,80,85 and 90. Sum assured plus bonuses are payable at end of premium payment term. A plan that has three features of endowment, whole-life and moneyback
What's included
Key highlights
- Maturity up to 90 years
- Money-back in 5 installments (20% each at 70/75/80/85/90)
- Premium mode discounts available
Features
- Life cover up to age 90
- 20% money-back at ages 70, 75, 80, 85 and 90
- Death benefit during PPT: Sum Assured + Bonus
- Riders available: Accidental Death Benefit, Permanent Total Disability, Premium Waiver Benefit
- Policy loan after 3 years; loan up to 90% of surrender value
Eligibility & term
- Entry age
- 18 – 60 years
- Policy term
- 30-72
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-9 | Rs. 38 |
| 10-14 | Rs. 39 |
| 15-19 | Rs. 41 |
| 20-24 | Rs. 43 |
| 25-29 | Rs. 65 |
| 30 and above | Rs. 80 |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
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