Policy Requirements
Minimum Sum Assured
Npr 100,000

Maximum Sum Assured
No Limit

Minimum Entry Age
18 Years

Maximum Entry Age
60 Years

Minimum Policy Term
12 Years

Maximum Policy Term
15 Years

Max Maturity Age
75 Years

Premium Paying Term
Single or 6 / 8

Premium Payment Frequency
Yearly, Half Yearly & Single

• Benefits

  Benefits on SINGLE Payment:
  
  At the time of Maturity:
       100% base sum assured plus Rs. 40/1000 guaranteed bonus 
        plus additional loyalty bonus 15/1000 and 30/1000 of the base
        sum assured for 12 & 15 Years policy terms respectively.
  
  
  Death before maturity: 
         {Base sum assured in case of death in first 2 years, 125% of
          base sum assured in case of death between year 3 and 5 &
          150% of base sum in case of death after 5 years} + Accured
          Guaranteed bonus Rs. 40/1000 SA as at the date of death.
  
  Benefits on REGULAR Payment:
  
  At the time of Maturity:
         100% base sum assured plus Rs. 60/1000 guaranteed bonus
          plus additional loyalty bonus 25% and 30% of the base sum
          assured for 12 & 15 Years policy terms respectively.
  
  Death before maturity: 
         {Base sum assured in case of death in first 2 years, 150% of
         base sum assured in case of death between year 3 and 5 &
         200% of base sum in case of death after 5 years} + Accured
        Guaranteed bonus Rs. 60/1000 SA as at the date of death.
  
  

Rider Benefits

• Accidental Death Benefit (ADB) and Total Permanent Disability and Premium Waiver  (TPD/PW) (Equal to basic sum assured or maximum NPR. 10,000,000 which ever is less)
• Critical Illness Cover up to NPR. 25 Lakh.
• Personal accident and disabilities with Medical expenses cover up to NPR. 50 Lakh.