Naulo Surakshit 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. A participating (with‑profits) endowment life insurance plan providing life protection plus savings through annual simple reversionary bonuses. On maturity or on death, the sum assured plus accrued bonus is payable.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 65 | Rs 65 |
| 11-15 | Rs 65 | Rs 65 |
| 16-20 | Rs 65 | Rs 65 |
| 21-25 | Rs 72 | Rs 72 |
| 26-30 | Rs 82 | Rs 82 |
| 30 and above | Rs 82 | — |
Recent years
- FY 2081/82
- Rs 65–82/ 1,000
- FY 2080/81
- Rs 65–82/ 1,000
- FY 2079/80
- Rs 65–82/ 1,000
- FY 2078/79
- Rs 65–82/ 1,000
- FY 2077/78
- 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
- Participating (with‑profits) plan
- Min Sum Assured: NPR 25,000
- Policy term: 5–55 years
- Entry age: 18–70 years
Features
- Participating endowment with annual simple reversionary bonuses
- Maturity benefit: Sum Assured + accrued bonus
- Death benefit: Sum Assured + accrued bonus payable to beneficiary
- Loan/surrender value after 3 full policy years and 3 full annual premiums
- Optional riders: Accidental Death Benefit (ADB), Total Permanent Disability (TPD), Premium Waiver Benefit (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
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is Naulo Surakshit Jeevan Beema Yojana?
Naulo Surakshit Jeevan Beema Yojana from Nepal Life Insurance is an endowment plan that pairs savings with life cover for a single adult, and suits people who want a guaranteed amount on a fixed future date.
Who can buy Naulo Surakshit Jeevan Beema Yojana?
The entry age for Naulo Surakshit Jeevan Beema Yojana is 18 – 70 years.
How long does Naulo Surakshit Jeevan Beema Yojana run?
The policy term for Naulo Surakshit Jeevan Beema Yojana is 5 years to 55 years.
What bonus rate does Naulo Surakshit Jeevan Beema Yojana earn?
For FY 2081/82, Nepal Life Insurance declared Rs 55–85 / 1,000 of sum assured on Naulo Surakshit Jeevan Beema Yojana. Bonus rates are set each year and are not guaranteed.
Which riders can be added to Naulo Surakshit Jeevan Beema Yojana?
Naulo Surakshit Jeevan Beema Yojana can be taken with the following optional riders: Accidental death (ADB), PTD / PWB. Each rider carries its own premium.
Premium
Quote on request