Sun Life Nabeen Ajeewan Jeevan Beema
About this plan
An endowment-cum-whole-life assurance combining savings with lifelong protection. Provides maturity benefit (sum assured + vested bonuses) and life cover up to age 100, with optional riders such as accidental death and critical illness.
What's included
Key highlights
- Endowment + Whole-life combination
- Minimum Sum Assured NPR 100,000
- Maximum policy term 52 years
Features
- Dual protection: maturity lump sum + lifelong cover
- Guaranteed maturity benefit: full sum assured plus vested bonuses
- Lifelong coverage up to age 100
- Optional riders availiable
- Death during premium paying term: Full Sum Assured + Vested Bonus
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- 5 – 52 years
- Sum assured
- From Rs 1,00,000
- Premium modes
- Yearly, Half-yearly, Quarterly, Monthly
Benefits payout
- Death benefit
- Full Sum Assured + Vested Bonus during premium paying term; Full Sum Assured after premium paying term
- Maturity benefit
- Full Sum Assured + Accrued Bonuses
Declared bonus
Term-wise Breakdown
FY 2081/82
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-14 | Rs. 38 |
| 15-19 | Rs. 40 |
| 20-24 | Rs. 62 |
| 25-29 | Rs. 80 |
| 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 Benefit (ADB/PTD/PWB)
Provides additional sum assured on accidental death or permanent total disability (available at extra premium).
Critical Illness Benefit (CI)
Pays benefit on diagnosis of specified critical illnesses (subject to terms and additional premium).
Funeral Expenses
Pays a fixed funeral expense benefit on death (as a rider at extra premium).
Sun Medicare
Emergency medical rider providing fixed payouts for hospitalization days (available as a rider).
Loan & liquidity
- Paid-up value
- Yes
- Partial withdrawal
- No
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