SuryaJyoti Three-20 Dhan Bahar Jeevan Beema
Money-back
About this plan
A money-back/saving-investment plan that pays the sum assured in three instalments during the policy term (33%, 33%, 34% + bonus) and continues for a 20-year extended term paying 5% of sum assured annually. Death risk is covered during the policy term and the extended period.
What's included
Key highlights
- Min SA: NPR 500,000
- Policy terms: 12/15/18/21 yrs
- Extended term: 20 yrs with 5% Sum assured yearly
Features
- Money-back in three instalments during policy term (33% / 33% / 34% + bonus)
- 20-year extended period with 5% of sum assured paid annually
- Guaranteed return advertised as 200% of sum assured
- Full sum assured + bonus payable on death during policy term
- Minimum sum assured NPR 500,000; maximum based on income
- Policy terms: 12/15/18/21 years; premium paying term equals policy term
- Premium modes: Yearly, Half-yearly, Quarterly, Single (one-time)
- Optional riders: ADB, TPD, Premium Waiver, Critical Illness
Eligibility & term
- Entry age
- 18 – 58 years
- Policy term
- 12/15/18/21 years
Declared bonus
Term-wise Breakdown
FY 2080/81
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-9 | Rs. 0 |
| 10-14 | Rs. 43 |
| 15-19 | Rs. 45 |
| 20-24 | Rs. 50 |
| 25-29 | Rs. 0 |
| 30 and above | Rs. 0 |
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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Premium
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