SuryaJyoti Sahi Plan
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. This is pure cover: it pays your family if something happens during the term, and there is no amount paid back at the end. Limited-pay whole-life type life insurance offering lifelong coverage after limited premium payment. All premiums paid are refunded at age 70.
Declared bonus
Rs 20–90
per Rs 1,000 sum assured, per year · declared FY 2081/82
Recent years
- FY 2081/82
- Rs 20–90/ 1,000
- FY 2080/81
- Rs 40–90/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: SuryaJyoti 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
- Coverage up to 6x paid premium
- Premiums refunded at age 70
- Loan up to 90% of surrender value
Features
- Lifelong protection at relatively low premium
- Total premiums paid refunded at age 70
- Limited premium payment with whole-life coverage
- Policy loan up to 90% of surrender value
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 full sum assured. There is no savings element, so nothing else accrues.
Typical for term plans — confirm the exact terms in the brochure.
If the policy runs to maturity
The premiums paid over the term are returned to you at maturity. There is no bonus on top.
Typical for term 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 SuryaJyoti Sahi Plan?
SuryaJyoti Sahi Plan from SuryaJyoti Life Insurance is a term plan that is pure life cover for a fixed period, with no savings element, and suits people protecting family income or a loan.
Who can buy SuryaJyoti Sahi Plan?
The entry age for SuryaJyoti Sahi Plan is 18 – 60 years.
How long does SuryaJyoti Sahi Plan run?
The policy term for SuryaJyoti Sahi Plan is 10/15/20 years.
What bonus rate does SuryaJyoti Sahi Plan earn?
For FY 2081/82, SuryaJyoti Life Insurance declared Rs 20–90 / 1,000 of sum assured on SuryaJyoti Sahi Plan. Bonus rates are set each year and are not guaranteed.
Premium
Quote on request