Anticipated Endowment Life Assurance
Money-back
About this plan
Rastriya Jeewan Beema's Anticipated Endowment plan — a traditional endowment life policy combining life protection with savings, offering maturity benefits plus anticipated bonuses.
What's included
Key highlights
- Traditional endowment with anticipated bonuses
- Death benefit protects family
- Flexible premium modes
Features
- Life protection with guaranteed sum assured
- Anticipated bonuses (declared periodically)
- Maturity benefit (sum assured + bonuses)
- Policy loan facility against surrender value
- Multiple premium payment modes
Eligibility & term
- Entry age
- 16 – 60 years
- Policy term
- 10 – 30 years
- Sum assured
- Rs 50,000 – Rs 1,00,00,000
- Premium modes
- Yearly, Half-yearly, Quarterly, Monthly
Benefits payout
- Death benefit
- Sum Assured + Bonuses
- Maturity benefit
- Sum Assured + Bonuses
- Accidental benefit
- Additional benefit available via rider
Declared bonus
Term-wise Breakdown
FY 2083/84
| Tenure (Years) | Rate (per '000) |
|---|---|
| 15-25 | Rs. 60 |
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)
Accidental Death Benefit
Rider paying an additional amount if death is caused by an accident
Critical Illness Rider
Lump-sum payout on diagnosis of a specified critical illness
Waiver of Premium
Waives premiums on the death or permanent disability of the main insured
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Suicide within exclusion period
- War, civil commotion, or illegal act
- Undisclosed pre-existing conditions
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