Lokpriya Dhanfirta Insurance
by Prabhu Mahalaxmi Life Insurance
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. Prabhu Mahalaxmi's Lokpriya Dhanfirta — a traditional life money-back / endowment style plan offering periodic payouts during the policy term and a death benefit. (Detailed figures not available on the provided content.)
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 5-20 | Rs 35 | — |
Recent years
- FY 2081/82
- Rs 35/ 1,000
- FY 2080/81
- Rs 35–51/ 1,000
- FY 2079/80
- Rs 35/ 1,000
- FY 2078/79
- Rs 35/ 1,000
Source: Prabhu Mahalaxmi 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
- Money-back benefits
- Bonus potential
- Death protection
Features
- Periodic money-back payouts
- Death benefit payable to nominee
- Participating plan with bonus potential
- Flexible premium payment options
- Policy loan facility may be available
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
No optional riders are attached to this plan.
Questions about this plan
What kind of plan is Lokpriya Dhanfirta Insurance?
Lokpriya Dhanfirta Insurance from Prabhu Mahalaxmi 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 Lokpriya Dhanfirta Insurance?
The entry age for Lokpriya Dhanfirta Insurance is 18 – 65 years.
How long does Lokpriya Dhanfirta Insurance run?
The policy term for Lokpriya Dhanfirta Insurance is 5-20 Years.
What bonus rate does Lokpriya Dhanfirta Insurance earn?
For FY 2081/82, Prabhu Mahalaxmi Life Insurance declared Rs 23–73 / 1,000 of sum assured on Lokpriya Dhanfirta Insurance. Bonus rates are set each year and are not guaranteed.
Premium
Quote on request