Amrit Barsaha Money Back Policy
by National Life Insurance Company Limited
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. National Life's traditional money-back endowment plan that provides periodic survival (money-back) payments during the term, death benefit, maturity benefit and participates in declared bonuses. Optional riders available.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-14 | Rs 60 | — |
| 15-20 | Rs 60 | Rs 64 |
| 21-25 | Rs 70 | Rs 64 |
| 26 and above | Rs 85 | — |
Recent years
- FY 2081/82
- Rs 60–85/ 1,000
- FY 2080/81
- Rs 63–64/ 1,000
- FY 2079/80
- Rs 63–85/ 1,000
- FY 2078/79
- Rs 63–64/ 1,000
- FY 2077/78
- Rs 63–64/ 1,000
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
- Periodic money-back payouts
- Death and maturity benefits
- Optional riders for extra protection
Features
- Periodic survival (money-back) payouts during term
- Death benefit equal to sum assured
- Maturity benefit at end of policy term
- Participating plan — eligible for declared bonuses
- Optional riders (accidental death, critical illness, premium waiver)
- Flexible premium payment modes
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
The nominee receives the sum assured plus the bonus built up to that date. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
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
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
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 money-back plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is Amrit Barsaha Money Back Policy?
Amrit Barsaha Money Back Policy from National Life Insurance Company Limited 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 Amrit Barsaha Money Back Policy?
The entry age for Amrit Barsaha Money Back Policy is 18 – 60 years.
How long does Amrit Barsaha Money Back Policy run?
The policy term for Amrit Barsaha Money Back Policy is 7,10,13,16,19,22,25.
What bonus rate does Amrit Barsaha Money Back Policy earn?
For FY 2081/82, National Life Insurance Company Limited declared Rs 60–85 / 1,000 of sum assured on Amrit Barsaha Money Back Policy. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Amrit Barsaha Money Back Policy?
Amrit Barsaha Money Back Policy 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