Ketaketi Sunaulo Bhawishya 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. If you are ever unable to keep paying, the plan carries on by itself and your child still receives the full amount when the term ends. A participating endowment child life insurance plan combining savings and protection for a child’s future needs. Offers premium waiver on proposer’s death, optional riders, surrender and policy loan benefits.
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 | — |
| 21-25 | Rs 62 | Rs 62 |
Recent years
- FY 2081/82
- Rs 60–62/ 1,000
- FY 2080/81
- Rs 60–62/ 1,000
- FY 2079/80
- Rs 65–82/ 1,000
- FY 2078/79
- Rs 65–82/ 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
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What's included
Key highlights
- Child-focused savings + protection
- Optional riders for extra cover
- Surrender & policy loan available after 3 years
Features
- Premium waiver & monthly income benefit on proposer’s death (1% of Sum Assured)
- Sum assured plus vested bonus at maturity (participating plan)
- Optional riders: Accidental, PTD/PWB, Critical Illness
- Surrender & policy loan available after 3 full policy years
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, and the policy ends. Most child plans are written on the parent's life, so see the next case for how the child is protected.
Typical for child plans — confirm the exact terms in the brochure.
If the parent or guardian passes away
Future premiums are waived and the policy continues on its own. The child still receives the full maturity amount at the set age. Many child plans also pay the child a regular income until then — the brochure states the rate.
Typical for child plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The child receives the sum assured plus the bonus built up to that date, timed to the age set when the policy was taken out.
Typical for child 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 child plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana?
Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana from Nepal Life Insurance is a child plan that is taken out by a parent or guardian to fund a child's education and future.
Who can buy Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana?
The entry age for Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana is 21 – 65 years.
How long does Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana run?
The policy term for Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana is 5-25 Years.
What bonus rate does Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana earn?
For FY 2081/82, Nepal Life Insurance declared Rs 55–85 / 1,000 of sum assured on Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana?
Ketaketi Sunaulo Bhawishya 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