Bhagyodaya Jeevan Beema
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. Bhagyodaya Jeevan Beema is a single-premium endowment assurance plan: pay once at inception to secure savings plus life coverage for the policy term. It provides guaranteed maturity benefit, death benefit with declared bonuses, and optional riders.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-14 | Rs 33 | — |
| 15-19 | Rs 36 | — |
| 20-24 | Rs 55 | Rs 52 |
| 25-29 | Rs 60 | — |
| 30 and above | Rs 70 | — |
Recent years
- FY 2081/82
- Rs 33–70/ 1,000
- FY 2080/81
- Rs 30–55/ 1,000
- FY 2079/80
- Rs 30–50/ 1,000
- FY 2078/79
- Rs 30–50/ 1,000
- FY 2077/78
- Rs 30–75/ 1,000
Source: Sun 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
- Guaranteed maturity payout
- Death benefit includes declared bonuses
- Entry age 18–65, max maturity age 70
Features
- Single premium payment (pay once)
- Guaranteed maturity benefit (sum assured + accrued bonuses)
- Comprehensive death benefit (sum assured + declared bonuses)
- Optional riders available
- Simple, lifetime security during policy term
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
This plan states: Sum Assured + declared bonuses
If the policy runs to maturity
This plan states: Sum Assured + accrued bonuses
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
Accident and Disability Benefit (ADB/PTD)
Additional payout on accidental death or permanent disability (available for an extra premium)
Premium Waiver Benefit (PWB)
Premium waiver on the proposer's death or in defined circumstances (depends on the rider chosen)
Critical Illness
Additional benefit up to the limit for specified critical illnesses (as per rider terms)
What's not covered
- Death by suicide
- Loss related to war, internal instability or criminal acts
- Pre-existing condition limits (as specified in the policy)
Questions about this plan
What kind of plan is Bhagyodaya Jeevan Beema?
Bhagyodaya Jeevan Beema from Sun 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 Bhagyodaya Jeevan Beema?
The entry age for Bhagyodaya Jeevan Beema is 18 – 65 years.
How long does Bhagyodaya Jeevan Beema run?
The policy term for Bhagyodaya Jeevan Beema is 5 – 52 years.
What bonus rate does Bhagyodaya Jeevan Beema earn?
For FY 2081/82, Sun Nepal Life Insurance declared Rs 25–80 / 1,000 of sum assured on Bhagyodaya Jeevan Beema. Bonus rates are set each year and are not guaranteed.
What is paid if the insured passes away during the term?
Sum Assured + declared bonuses
What is paid when Bhagyodaya Jeevan Beema matures?
Sum Assured + accrued bonuses
Which riders can be added to Bhagyodaya Jeevan Beema?
Bhagyodaya Jeevan Beema 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