Sunaulo Bhabisya Jeevan Beema Yojana (Option 2)
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. A participating endowment / anticipated cum whole life assurance plan offering both protection and long-term savings with declared bonuses. Two options (Option-1 and Option-2) provide flexible payout structures
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 62 | Rs 62 |
| 26-30 | Rs 65 | Rs 65 |
| 30 and above | Rs 65 | Rs 65 |
Recent years
- FY 2081/82
- Rs 60–65/ 1,000
- FY 2080/81
- Rs 60–65/ 1,000
- FY 2079/80
- Rs 60–65/ 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
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What's included
Key highlights
- Min Sum Assured NPR 25,000
- Entry age 18–65 yrs
- Policy term 5–35 yrs
- Option-2 offers extended/lifetime maturity payouts
Features
- Protection + Savings dual benefit
- Minimum sum assured NPR 25,000
- Entry age 18–65 years
- Policy term 5–35 years
- Max maturity age Option-2 = 80 years
- Optional annual money-back payments (if selected)
- Surrender allowed only after 3 policy years and 3 premiums paid
- Optional riders: Accidental, Permanent Total Disability, 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. 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.
Optional riders
Questions about this plan
What kind of plan is Sunaulo Bhabisya Jeevan Beema Yojana (Option 2)?
Sunaulo Bhabisya Jeevan Beema Yojana (Option 2) 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 Sunaulo Bhabisya Jeevan Beema Yojana (Option 2)?
The entry age for Sunaulo Bhabisya Jeevan Beema Yojana (Option 2) is 18 – 65 years.
How long does Sunaulo Bhabisya Jeevan Beema Yojana (Option 2) run?
The policy term for Sunaulo Bhabisya Jeevan Beema Yojana (Option 2) is 5-35 years.
What bonus rate does Sunaulo Bhabisya Jeevan Beema Yojana (Option 2) earn?
For FY 2081/82, Nepal Life Insurance declared Rs 55–85 / 1,000 of sum assured on Sunaulo Bhabisya Jeevan Beema Yojana (Option 2). Bonus rates are set each year and are not guaranteed.
Which riders can be added to Sunaulo Bhabisya Jeevan Beema Yojana (Option 2)?
Sunaulo Bhabisya Jeevan Beema Yojana (Option 2) can be taken with the following optional riders: PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request