Anmol Jeevan Beema Yojana
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. Anmol Jeevan Beema Yojana is a participating (with-profits) endowment cum whole-life plan providing annual simple reversionary bonuses, maturity benefit and continued death cover/survival benefit options after maturity.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 60 | Rs 60 |
| 11-15 | Rs 60 | Rs 60 |
| 16-20 | Rs 60 | Rs 60 |
| 21-25 | Rs 70 | Rs 70 |
| 26-30 | Rs 82 | Rs 82 |
| 30 and above | Rs 82 | — |
Recent years
- FY 2081/82
- Rs 60–82/ 1,000
- FY 2080/81
- Rs 60–82/ 1,000
- FY 2079/80
- Rs 60–82/ 1,000
- FY 2078/79
- Rs 60–82/ 1,000
Source: Nepal 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
—
What's included
Key highlights
- Annual reversionary bonuses (with‑profits)
- Three post‑maturity survival options at ages 75/80/85
Features
- Participating (with‑profits) endowment cum whole‑life plan with annual reversionary bonuses
- Minimum sum assured NPR 25,000
- Post‑maturity survival options at age 75 (60% SA), 80 (80% SA), 85 (100% SA)
- Surrender/paid‑up/policy loan available after 3 full policy years and 3 annual premiums
- Riders: Accidental Death Benefit, ADB+TPD+Premium Waiver, Critical Illness
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 whole life plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is Anmol Jeevan Beema Yojana?
Anmol Jeevan Beema Yojana from Nepal Life Insurance is a whole life plan that covers the insured for life rather than a set number of years, and suits people who want to leave money behind for their family.
Who can buy Anmol Jeevan Beema Yojana?
The entry age for Anmol Jeevan Beema Yojana is 18 – 65 years.
How long does Anmol Jeevan Beema Yojana run?
The policy term for Anmol Jeevan Beema Yojana is 5 years to 50 years (depending on maximum age at expiry).
What bonus rate does Anmol Jeevan Beema Yojana earn?
For FY 2081/82, Nepal Life Insurance declared Rs 55–85 / 1,000 of sum assured on Anmol Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Anmol Jeevan Beema Yojana?
Anmol Jeevan Beema Yojana 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