Sarbashrestha Aajeevan Beema
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. A whole-life insurance plan from Prabhu Mahalaxmi Insurance. The source page did not provide detailed coverage or premium information.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 38 | — |
| 10-14 | Rs 38 | — |
| 15-19 | Rs 38 | — |
| 20-24 | Rs 38 | — |
| 25 and above | Rs 38 | — |
Recent years
- FY 2081/82
- Rs 38/ 1,000
- FY 2079/80
- Rs 38/ 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
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What's included
Key highlights
- Lifetime protection
- Simple claims process (typical)
- Participating/bonus potential (typical)
Features
- Whole-life coverage
- Death benefit payable
- Likely participates in declared bonuses / profits
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, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life 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 Sarbashrestha Aajeevan Beema?
Sarbashrestha Aajeevan Beema from Prabhu Mahalaxmi Life Insurance is a whole life plan that covers the insured for life rather than a set number of years, and suits people who want to leave money behind for their family.
Who can buy Sarbashrestha Aajeevan Beema?
The entry age for Sarbashrestha Aajeevan Beema is 18 – 65 years.
How long does Sarbashrestha Aajeevan Beema run?
The policy term for Sarbashrestha Aajeevan Beema is 5-30 years.
What bonus rate does Sarbashrestha Aajeevan Beema earn?
For FY 2081/82, Prabhu Mahalaxmi Life Insurance declared Rs 23–73 / 1,000 of sum assured on Sarbashrestha Aajeevan Beema. Bonus rates are set each year and are not guaranteed.
Premium
Quote on request