SuryaJyoti Sawadhik Jeevan Beema

Life is full of uncertainties and we always want to make our life secure and protect our family from future financial burden.

It is important to ensure that your family is protected, if something unfortunate happens to you. SuryaJyotiLife Endowment Plan is simple and affordable kind of saving plan in which fixed amount of low premium is payable up to certain period of time. This is a perfect way to feel you and your loved ones a lifelong security and comfort.

Plan Features:

Minimum Sum Assured	NRs. 25,000
Maximum Sum Assured	As per Income
Minimum policy/premium paying term	5 years
Maximum policy/premium paying term	54 years
Minimum Entry Age	18 years
Maximum Entry Age	60 years
>Maximum Age at Maturity	70 years
>Mode of Premium Payment Quarterly	Yearly, Half yearly, Quarterly

Basic Benefits :

• In case of death before maturity, Basic Sum assured with Bonus will be paid to the beneficiary of insured.
• In case of survival of assured till maturity, on maturity of policy, Basic Sum assured with Bonus will be paid to the insured.

Optional Rider Benefits

With payment of additional premium, following additional benefits can be taken:

• Accidental Death Benefit (ADB) Only:
  This benefit can be taken with payment additional Rs. 1 per thousand. In case of death due to accident, additional benefit equal to basic sum assured or maximum Rs. 1,00,00,000 whichever is less is payable to the beneficiary of assured.
• Accidental Death Benefit, Accidental Total Permanent Disability, Premium Waiver Benefit – ADB, TPD & PWB:
  This benefit can be taken with payment of an additional Rs. 2.5 per thousand. Total coverage amount under this benefits will be equal to basic sum assured or Maximum Rs. 1,00,00,000 whichever is less. In case of death due to accident, an additional benefit equal to basic sum assured is payable to the beneficiary. Due to the accident if insured become total and permanently disabled, an additional benefit equal to basic sum assured is payable in 120 installments monthly and all future payable premium will be waived.
• 35 or 18 Diseases Critical Illness Benefit:
  In case life assured is diagnosed with mentioned 18/35 defined critical illness, lump sum amount equal to basic sum assured or maximum up to Rs. 50,00,000 will be paid to the insured.

Criteria: Min Entry age: 18, Max Entry age: 55 yrs, Max policy Term 20 yrs, Max policy maturity age: 60 yrs, Maximum coverage: Rs. 50,00,000.

Benefits and Coverages under this plan shall be based on the Terms and Conditions mentioned in the policy & rider documents and also shall be governed by the regulatory directives. 

First Policy Issue Date: 17.08.2018