|A combination of joint life cover and saving to both Policy Holder and Spouse.|
Free Insurance cover to Spouse Up to 50% of Sumassured
High Bonus Rate
Cheaper than Endowment Plan
150% risk coverage on normal death
250% risk coverage on accidental death
50% risk coverage to Spouse
Minimum Sum Assured : NRs. 200000
Maximum Sum Assured : No Limit
Minimum Age at Entry : 18 Years (Last Birthday)
Maximum Age at Entry : 75 years
Policy Term : 15 years
Premium Payment Term: Equal to policy Term
Mode : Yearly/ Half Yearly/ Quarterly/ Monthly
Accident Benefit : Available to Policy Holder
Loan : 90% of Surrender Value
Benefits on Death
On death of Policy holder during Policy Term, SA and Bonus Amount paid to Spouse & policy continue on life of spouse with 50% of SA if spouse alive.
Incase of early death of spouse, policy shall continue until maturity or earlier death of policyholder.
On Simultaneous death of policyholder & spouse, benefit of 150% SA and Bonus shall be payable to nominee/beneficiary.