Naulo Dhanbarsha 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. You also receive part of the cover amount at set points during the term, not only at the end. Naulo Dhanbarsha is a limited payment money-back (anticipated) endowment plan. Risk cover continues for the full policy term while premiums are paid for a limited period. On death, benefits (2.5x Sum Assured for single premium mode; basic Sum Assured for other modes) plus vested bonuses are payable. Policy loan and optional riders are available.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 56 | Rs 56 |
| 11-15 | Rs 56 | Rs 56 |
| 16-20 | Rs 56 | Rs 56 |
| 21-25 | Rs 56 | Rs 56 |
| 26-30 | Rs 56 | Rs 56 |
| 30 and above | Rs 56 | — |
Recent years
- FY 2081/82
- Rs 56/ 1,000
- FY 2080/81
- Rs 56/ 1,000
- FY 2079/80
- Rs 50/ 1,000
- FY 2078/79
- Rs 50/ 1,000
- FY 2077/78
- Rs 60/ 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
- Money-back plan — regular liquidity during term
- 2.5x death benefit in single premium mode
- Policy loan up to 90% of surrender value
- Optional riders for extra protection (ADB/TPD/PWB/CI)
Features
- Limited premium payment
- Regular money-back payouts during policy term
- Policy loan up to 90% of surrender value
- Optional riders: Accidental Death, TPD, Premium Waiver, Critical Illness
- Entry age 18–60; maximum maturity age 70
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 Naulo Dhanbarsha Jeevan Beema Yojana?
Naulo Dhanbarsha Jeevan Beema Yojana from Nepal 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 Naulo Dhanbarsha Jeevan Beema Yojana?
The entry age for Naulo Dhanbarsha Jeevan Beema Yojana is 18 – 60 years.
How long does Naulo Dhanbarsha Jeevan Beema Yojana run?
The policy term for Naulo Dhanbarsha Jeevan Beema Yojana is 10 to 25 years.
What bonus rate does Naulo Dhanbarsha Jeevan Beema Yojana earn?
For FY 2081/82, Nepal Life Insurance declared Rs 55–85 / 1,000 of sum assured on Naulo Dhanbarsha Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Naulo Dhanbarsha Jeevan Beema Yojana?
Naulo Dhanbarsha 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