15-year Agrim Bhuktani (Savadhik) Plus
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. You also receive part of the cover amount at set points during the term, not only at the end. 15-year money-back (periodic) life plan with payouts at 5, 10 and 15 years plus reversionary and terminal bonuses.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 38 | — |
| 15-19 | Rs 42 | — |
| 20-24 | Rs 44 | — |
| 25 and above | Rs 56 | — |
Recent years
- FY 2081/82
- Rs 38–56/ 1,000
- FY 2080/81
- Rs 50–70/ 1,000
- FY 2079/80
- Rs 50–70/ 1,000
Source: Asian Life Insurance declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
Maturity estimator
Estimated value at maturity
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What's included
Key highlights
- Regular payout at 5,10 and 15 years
- Terminal bonus after minimum 10 years
- 15 years of Fixed policy term
Features
- Death benefit: Sum assured + accrued bonuses if death before maturity
- Bonuses: Simple reversionary and terminal (terminal bonus applicable after minimum 10 years)
- Surrender value available after 3 years
- Loan against surrender value with proof of ownership
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
This plan states: Sum Assured + Accrued Bonuses
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
This plan states: Money-back payouts (25% at 5 yrs, 25% at 10 yrs, 50% at 15 yrs) + Accrued Bonuses
If death is caused by an accident
This plan states: Sum Assured + Accrued Bonuses
Optional riders
Accidental Death Benefit (ADB)
Additional death benefit paid if death is caused by an accident.
ADB + PTD + Premium Waiver Benefit (PWB)
Covers accidental death, permanent disability and waives remaining premiums.
Critical Illness (CI)
Lump-sum benefit on diagnosis of a specified critical illness.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
- Paid-up value
- Yes
- Partial withdrawal
- No
What's not covered
- Non-scheduled or non-regular flights (other than regular licensed airline route)
- Participation in war or warlike operations (whether declared or not)
- Breach of civil or criminal law / commission of criminal acts
- Suicide within two years from commencement or revival of the policy
- Other standard exclusions as per policy terms
Questions about this plan
What kind of plan is 15-year Agrim Bhuktani (Savadhik) Plus?
15-year Agrim Bhuktani (Savadhik) Plus from Asian Life Insurance is a money-back plan that releases part of the sum assured at set points during the term instead of only at the end.
Who can buy 15-year Agrim Bhuktani (Savadhik) Plus?
The entry age for 15-year Agrim Bhuktani (Savadhik) Plus is 18 – 55 years.
How long does 15-year Agrim Bhuktani (Savadhik) Plus run?
The policy term for 15-year Agrim Bhuktani (Savadhik) Plus is 15 – 15 years.
How much cover can I take on 15-year Agrim Bhuktani (Savadhik) Plus?
The sum assured available on 15-year Agrim Bhuktani (Savadhik) Plus is From Rs 50,000.
What bonus rate does 15-year Agrim Bhuktani (Savadhik) Plus earn?
For FY 2081/82, Asian Life Insurance declared Rs 42–75 / 1,000 of sum assured on 15-year Agrim Bhuktani (Savadhik) Plus. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
Sum Assured + Accrued Bonuses
What is paid when 15-year Agrim Bhuktani (Savadhik) Plus matures?
Money-back payouts (25% at 5 yrs, 25% at 10 yrs, 50% at 15 yrs) + Accrued Bonuses
Which riders can be added to 15-year Agrim Bhuktani (Savadhik) Plus?
15-year Agrim Bhuktani (Savadhik) Plus can be taken with the following optional riders: Accidental death (ADB), PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request