SuryaJyoti Sajeelo Bhuktani 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. You also receive part of the cover amount at set points during the term, not only at the end. A money-back life insurance plan that refunds fixed percentages of the Sum Assured at each policy anniversary which can be adjusted against renewal premiums. In case of death, full Sum Assured is paid to the beneficiary without deducting refunded amounts.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 0 | Rs 0 |
| 10-14 | Rs 38 | Rs 42 |
| 15-19 | Rs 38 | Rs 42 |
| 20-24 | Rs 47 | Rs 52 |
Recent years
- FY 2081/82
- Rs 0–47/ 1,000
- FY 2080/81
- Rs 0–60/ 1,000
- FY 2079/80
- Rs 0–60/ 1,000
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
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What's included
Key highlights
- Annual survival refunds 4%–6% depending on option/term
- Entry age 18–50 years
- Maximum maturity age 60 years
Features
- Annual survival refunds as fixed percentages of Sum Assured
- Full basic Sum Assured + declared bonuses payable on death without deducting survival refunds
- Optional riders: Accidental Death, Accidental TPD + 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.
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 money-back plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is SuryaJyoti Sajeelo Bhuktani Jeevan Beema?
SuryaJyoti Sajeelo Bhuktani Jeevan Beema from SuryaJyoti 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 SuryaJyoti Sajeelo Bhuktani Jeevan Beema?
The entry age for SuryaJyoti Sajeelo Bhuktani Jeevan Beema is 18 – 50 years.
How long does SuryaJyoti Sajeelo Bhuktani Jeevan Beema run?
The policy term for SuryaJyoti Sajeelo Bhuktani Jeevan Beema is 10-20 years.
What bonus rate does SuryaJyoti Sajeelo Bhuktani Jeevan Beema earn?
For FY 2081/82, SuryaJyoti Life Insurance declared Rs 20–90 / 1,000 of sum assured on SuryaJyoti Sajeelo Bhuktani Jeevan Beema. Bonus rates are set each year and are not guaranteed.
Which riders can be added to SuryaJyoti Sajeelo Bhuktani Jeevan Beema?
SuryaJyoti Sajeelo Bhuktani 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