SuryaJyoti Life Insurance Company Ltd. is one of Nepal's largest life insurers, formed by the first-ever merger in the Nepali life insurance industry between Surya Life and Jyoti Life.
Child endowment securing a child's future with maturity benefit, premium waiver and income benefit on the proposer's death.
Sum assured
Rs 5 lakh
Policy term
10–27 yrs
Entry age
0–17 yrs
Annual premium
Rs 23,800/yr
Premium term
Single / Regular (yearly, half-yearly, quarterly)
Bonus
Rs 40-75 per 1,000 sum assured/yr (FY2080/81)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Child endowment securing a child's future with maturity benefit, premium waiver and income benefit on the proposer's death.
Riders: Accidental Death Benefit RiderCritical Illness 18/35 conditionsTotal and Permanent Disability (TPD)Premium Waiver for TPDTerm Plan attachment option
Plan details
Maturity benefit: Sum assured plus bonus payable to the child on survival to maturity.
SuryaJyoti Professional Endowment Insurance Policy
Endowment
Endowment for corporate professionals that can secure employer-provided loans, with death/disability cover during the term and maturity benefit at end.
Sum assured
Rs 5 lakh
Policy term
5–52 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 23,800/yr
Premium term
Single / Regular (yearly, half-yearly, quarterly, monthly or single)
Bonus
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment for corporate professionals that can secure employer-provided loans, with death/disability cover during the term and maturity benefit at end.
Riders: Accidental Death Benefit (ADB)ADB + Total Permanent Disability + Premium Waiver Benefit (cap Rs 1,00,00,000)
Plan details
Maturity benefit: Basic sum assured plus accrued bonuses on survival to maturity.
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Limited-premium endowment where premiums are paid for a shorter period than the policy term, paying sum assured plus bonus at maturity.
Riders: Accidental Death Benefit (up to Rs 1,00,00,000)Critical Illness 18/35 conditions (up to Rs 50,00,000)Premium Waiver & TPD (120 monthly installments)
Plan details
Maturity benefit: Option 1: basic sum assured plus bonus at maturity. Option 2: same, plus an additional amount equal to the sum assured for the beneficiary on death during the term.
SuryaJyoti Sawadhik Jeevan Beema (Endowment)
Endowment
Traditional with-profit endowment paying sum assured plus bonus at maturity or on earlier death.
Sum assured
Rs 5 lakh
Policy term
5–52 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 24,950/yr
Premium term
Regular (equal to policy term)
Bonus
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Traditional with-profit endowment paying sum assured plus bonus at maturity or on earlier death.
Riders: Accidental Death Benefit (Rs 1 per thousand)ADB + TPD + Premium Waiver (Rs 2.5 per thousand)Critical Illness 18/35 conditions (max Rs 50,00,000)
Plan details
Maturity benefit: Basic sum assured plus accumulated bonus on survival to maturity.
SuryaJyoti Surakshit Bhawishya Jeevan Beema (Endowment cum Whole Life)
Endowment
Endowment-cum-whole-life plan paying basic sum assured plus bonus at maturity, with an additional sum assured paid on death after maturity.
Sum assured
Rs 5 lakh
Policy term
5–52 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 7,885/yr
Premium term
Regular (equal to policy term)
Bonus
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment-cum-whole-life plan paying basic sum assured plus bonus at maturity, with an additional sum assured paid on death after maturity.
Riders: Accidental Death Benefit (Rs 1 per thousand)ADB + Total Permanent Disability + Premium Waiver (Rs 2.5 per thousand)Critical Illness 18/35 conditions (max Rs 50,00,000)
Plan details
Maturity benefit: Basic sum assured plus accrued bonus on survival; an additional amount equal to the basic sum assured paid if death occurs after maturity.
Single-premium endowment paying sum assured plus bonus at maturity or on death, with an optional enhanced death benefit.
Sum assured
Rs 5 lakh
Policy term
5–25 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 24,950/yr
Premium term
Single
Bonus
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single-premium endowment paying sum assured plus bonus at maturity or on death, with an optional enhanced death benefit.
Riders: Accidental Death Benefit (up to Rs 1,00,00,000)Accidental TPD (paid in 120 monthly installments)Critical Illness 18/35 conditions (up to Rs 50,00,000)
Plan details
Maturity benefit: Option 1: sum assured plus bonus at maturity (death benefit equals maturity payout). Option 2: sum assured plus bonus, with an additional amount equal to the basic sum assured paid on death.
Single-premium term plan for Nepali foreign-employment workers covering death, disability, repatriation and related benefits.
Sum assured
Rs 10 lakh
Policy term
1–6 yrs
Entry age
18–64 yrs
Annual premium
Rs 3,924/yr
Premium term
Single
Annual premium: Published rate table is for FIXED SA Rs 10,00,000, single (one-time) premium, by age band and contract term (year.month). For age band 18-35 and a 3.0-yr term: Rs 3,924 single premium for Rs 10,00,000 SA = Rs 3.924 per 1,000 (one-time, not
Single-premium term plan for Nepali foreign-employment workers covering death, disability, repatriation and related benefits.
Plan details
Maturity benefit: No maturity benefit (term plan). Benefits paid on death/disability during the foreign-employment term.
Anticipated endowment paying periodic survival benefits plus sum assured and bonus, with money-back installments during the term.
Sum assured
Rs 5 lakh
Policy term
15–25 yrs
Entry age
18–55 yrs
Maturity age
70 yrs
Annual premium
Rs 7,885/yr
Premium term
Single / Limited (e.g. 15-yr term: 1 or 12 yrs; 20-yr: 1 or 15 yrs; 25-yr: 1 or 18 yrs)
Bonus
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Anticipated endowment paying periodic survival benefits plus sum assured and bonus, with money-back installments during the term.
Riders: Accidental Death Benefit (SA or max Rs 1,00,00,000)ADB + TPD + Premium WaiverCritical Illness 18/35 conditions (max Rs 50,00,000)
Plan details
Maturity benefit: Regular premium: full sum assured plus bonus at maturity (survival benefits excluded). Single premium: 2.5x full sum assured plus bonus.
SuryaJyoti Dhan Laav Jeevan Beema (Money Back)
Money-back
Money-back endowment returning portions of the sum assured at intervals with bonus, plus full death cover.
Sum assured
Rs 5 lakh
Policy term
12–20 yrs
Entry age
18–58 yrs
Maturity age
70 yrs
Annual premium
Rs 23,800/yr
Premium term
Regular (equal to policy term)
Bonus
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back endowment returning portions of the sum assured at intervals with bonus, plus full death cover.
Riders: Accidental Death Benefit (Rs 1 per thousand; max Rs 1,00,00,000)ADB + TPD + Premium Waiver (Rs 2.5 per thousand)Critical Illness 18/35 conditions (max Rs 50,00,000)
Plan details
Maturity benefit: Final money-back installment (40-50% of SA) plus accrued bonus at maturity.
Money-back plan paying a fixed percentage of the sum assured every year, with remaining sum assured plus bonus at maturity.
Sum assured
Rs 5 lakh
Policy term
10–20 yrs
Entry age
18–50 yrs
Maturity age
60 yrs
Annual premium
Rs 7,885/yr
Premium term
Regular (yearly, half-yearly, quarterly)
Bonus
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back plan paying a fixed percentage of the sum assured every year, with remaining sum assured plus bonus at maturity.
Riders: Accidental Death Benefit (Rs 1 per thousand)ADB + TPD + Premium Waiver (Rs 2.5 per thousand; max Rs 1,00,00,000)Critical Illness 18/35 conditions (max Rs 50,00,000)
Plan details
Maturity benefit: Remaining sum assured plus declared and vested bonuses at maturity.
SuryaJyoti Three 20 Dhan Bahar Jeevan Beema (J-320 Money Back)
Money-back
Money-back plan returning the sum assured in three installments during the term, then 5% of SA annually for 20 years after maturity; total guaranteed 200% of SA.
Sum assured
Rs 5 lakh
Policy term
12–21 yrs
Entry age
18–58 yrs
Maturity age
70 yrs
Annual premium
Rs 23,800/yr
Premium term
Single / Regular (equal to policy term)
Bonus
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back plan returning the sum assured in three installments during the term, then 5% of SA annually for 20 years after maturity; total guaranteed 200% of SA.
Maturity benefit: Third installment 34% of SA plus bonus at maturity, followed by 5% of SA paid annually for 20 years; total guaranteed return 200% of sum assured.
SuryaJyoti Sahi Plan (Term)
Term
Pure term life plan providing high death cover at low cost; available online.
Sum assured
Rs 5 lakh
Policy term
5–35 yrs
Entry age
18–60 yrs
Annual premium
Rs 7,885/yr
Premium term
Regular
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure term life plan providing high death cover at low cost; available online.
Plan details
Maturity benefit: No maturity benefit (pure term plan); sum assured paid on death during the term.
Affordable term assurance paying full sum assured plus a funeral expense benefit on death.
Sum assured
Rs 5 lakh
Policy term
1–30 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 1,365/yr
Premium term
Single / Regular (single, yearly, half-yearly, quarterly)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Affordable term assurance paying full sum assured plus a funeral expense benefit on death.
Riders: Accidental Death Benefit (Rs 1 per thousand; payout = SA or max Rs 500,000)
Plan details
Maturity benefit: No maturity benefit (term plan). On death: full sum assured plus 20% of sum assured or Rs 50,000 (whichever lower) as funeral expenses.
Limited-payment anticipated whole-life plan maturing at age 82 (Chaurasi), paying bonus then 6% annual survival benefits and 150% of SA at maturity, with high death cover.
Sum assured
Rs 5 lakh
Policy term
10–50 yrs
Entry age
18–60 yrs
Maturity age
82 yrs
Annual premium
Rs 7,885/yr
Premium term
Single / Limited (10-50 yrs; single payment has min 10-yr deferment)
Bonus
Rs 45-90 per 1,000 sum assured/yr (FY2080/81, Chaurasi Puja category - highest bonus)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Limited-payment anticipated whole-life plan maturing at age 82 (Chaurasi), paying bonus then 6% annual survival benefits and 150% of SA at maturity, with high death cover.
Riders: Accidental Death Benefit (up to Rs 1,00,00,000)ADB + TPD + Premium Waiver (up to Rs 1,00,00,000; 120 monthly installments for disability)
Plan details
Maturity benefit: At maturity (age 82): 150% of sum assured (excluding survival benefits already paid). After the premium term, 6% of basic sum assured paid annually until one year before maturity.
About SuryaJyoti
SuryaJyoti Life Insurance Company Ltd. was created through Nepal's first-ever life insurance merger, combining Surya Life Insurance Co. Ltd. (over 15 years of operations) and Jyoti Life Insurance Co. Ltd. (around 5 years of operations), with joint operations commencing on December 22, 2022. Through the amalgamation it became one of the largest life insurers in Nepal in terms of capital base, investment, policyholders and agents. The company is headquartered at Shanta Plaza, Gyaneshwor, Kathmandu and operates a network of 176+ full-fledged branches and over 108,000 agents. It is listed on the Nepal Stock Exchange under the symbol SJLIC.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
