This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Term life insurance that pays sum assured on insured's death only. No maturity benefit. Flexible premium payment options (single, regular, limited) and multiple policy terms available.
What's included
Key highlights
- Term (death benefit) plan
- Min Sum assured NPR 25,000
- Single/Regular/Limited payment options
- Optional riders available
Features
- Minimum sum assured NPR 25,000
- Single, regular and limited premium payment options
- Policy term from 1 to 15 years
- Pays sum assured on insured's death
- No maturity benefit (pure term)
- Optional riders: Funeral expenses, Accidental Death Benefit (ADB), ADB+PTD+PWB
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
If the policy runs to maturity
This plan states: No benefit on maturity
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for term plans — confirm the exact terms in the brochure.
Optional riders
Funeral Expenses
Covers funeral expenses for an additional premium
Accidental Death Benefit (ADB)
Additional benefit if death is caused by an accident
ADB + PTD + PWB
Accidental death, permanent total disability and premium waiver benefits (as per policy terms)
Loan & liquidity
- Policy loan
- Not available
- Paid-up value
- No
- Partial withdrawal
- No
Questions about this plan
What kind of plan is Asian Suraksha Plus?
Asian Suraksha Plus from Asian Life Insurance is a term plan that is pure life cover for a fixed period, with no savings element, and suits people protecting family income or a loan.
Who can buy Asian Suraksha Plus?
The entry age for Asian Suraksha Plus is 18 – 64 years.
How long does Asian Suraksha Plus run?
The policy term for Asian Suraksha Plus is 1 – 15 years.
How much cover can I take on Asian Suraksha Plus?
The sum assured available on Asian Suraksha Plus is From Rs 25,000.
What is paid if the insured passes away during the term?
Sum Assured
What is paid when Asian Suraksha Plus matures?
No benefit on maturity
Which riders can be added to Asian Suraksha Plus?
Asian Suraksha Plus can be taken with the following optional riders: Accidental death (ADB), PTD / PWB. Each rider carries its own premium.
Premium
Quote on request