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Sanima Dhanapati (Money back Endowment) Life assurance Plan

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The company has introduced this plan to meet the financial needs of life assured during the term of policy wherein certain percentages of sum assured are paid to life assured at certain fixed intervals.

Payment percentage of sum assured and time interval is as follows:

Term Time interval and percentage of sum assured to be paid
  4th year 5th year 8th year 10th year 12nd year 15th year 20th year
12 years 25% of sum assured - 25% of sum assured - 50% of sum assured along with vested bonus - -
15 years - 25% of sum assured - 25% of sum assured - 50% of sum assured along with vested bonus -
20 years - 20% of sum assured - 20% of sum assured - 20% of sum assured 40% of sum assured along with vested bonus

The salient features of the plan are as follows:

Rider Benefits available on Sanima Dhanapti Plan:

Accidental Death Benefit (ADB):

In case of death of life assured due to accident during premium term, the company shall pay additional sum assured (Maximum sum assured for the rider is NRs. 30,00,000/- or basic sum assured whichever is lower) to the nominee of life assured.

Permanent Total Disability (PTD) and Premium Waiver Benefit (PWB):

In case of permanent total disability of insured due to accident during premium term, remaining premium will be waived and disability benefit will be paid up to 10 years. Maximum sum assured for both of these riders is NRs. 30,00,000/- or basic sum assured whichever is lower. ADB rider is compulsory to avail PTD+PWB rider.

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