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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–27 yrs
प्रवेश उमेर
0–17 yrs
वार्षिक प्रिमियम
Rs 23,800/yr
प्रिमियम अवधि
Single / Regular (yearly, half-yearly, quarterly)
बोनस
Rs 40-75 per 1,000 sum assured/yr (FY2080/81)
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit RiderCritical Illness 18/35 conditionsTotal and Permanent Disability (TPD)Premium Waiver for TPDTerm Plan attachment option
योजना विवरण
परिपक्वता लाभ: Sum assured plus bonus payable to the child on survival to maturity.
SuryaJyoti Professional Endowment Insurance Policy
एन्डोमेन्ट
Endowment for corporate professionals that can secure employer-provided loans, with death/disability cover during the term and maturity benefit at end.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 23,800/yr
प्रिमियम अवधि
Single / Regular (yearly, half-yearly, quarterly, monthly or single)
बोनस
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (ADB)ADB + Total Permanent Disability + Premium Waiver Benefit (cap Rs 1,00,00,000)
योजना विवरण
परिपक्वता लाभ: 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)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: 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)
एन्डोमेन्ट
Traditional with-profit endowment paying sum assured plus bonus at maturity or on earlier death.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,950/yr
प्रिमियम अवधि
Regular (equal to policy term)
बोनस
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: Basic sum assured plus accumulated bonus on survival to maturity.
SuryaJyoti Surakshit Bhawishya Jeevan Beema (Endowment cum Whole Life)
एन्डोमेन्ट
Endowment-cum-whole-life plan paying basic sum assured plus bonus at maturity, with an additional sum assured paid on death after maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 7,885/yr
प्रिमियम अवधि
Regular (equal to policy term)
बोनस
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: 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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,950/yr
प्रिमियम अवधि
Single
बोनस
Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: 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.
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–6 yrs
प्रवेश उमेर
18–64 yrs
वार्षिक प्रिमियम
Rs 3,924/yr
प्रिमियम अवधि
Single
वार्षिक प्रिमियम: 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.
योजना विवरण
परिपक्वता लाभ: 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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–25 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 7,885/yr
प्रिमियम अवधि
Single / Limited (e.g. 15-yr term: 1 or 12 yrs; 20-yr: 1 or 15 yrs; 25-yr: 1 or 18 yrs)
बोनस
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death Benefit (SA or max Rs 1,00,00,000)ADB + TPD + Premium WaiverCritical Illness 18/35 conditions (max Rs 50,00,000)
योजना विवरण
परिपक्वता लाभ: 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)
मनी-ब्याक
Money-back endowment returning portions of the sum assured at intervals with bonus, plus full death cover.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yrs
प्रवेश उमेर
18–58 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 23,800/yr
प्रिमियम अवधि
Regular (equal to policy term)
बोनस
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: 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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yrs
प्रवेश उमेर
18–50 yrs
परिपक्वता उमेर
60 yrs
वार्षिक प्रिमियम
Rs 7,885/yr
प्रिमियम अवधि
Regular (yearly, half-yearly, quarterly)
बोनस
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: Remaining sum assured plus declared and vested bonuses at maturity.
SuryaJyoti Three 20 Dhan Bahar Jeevan Beema (J-320 Money Back)
मनी-ब्याक
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–21 yrs
प्रवेश उमेर
18–58 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 23,800/yr
प्रिमियम अवधि
Single / Regular (equal to policy term)
बोनस
Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)
वार्षिक प्रिमियम: 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.
परिपक्वता लाभ: 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)
टर्म
Pure term life plan providing high death cover at low cost; available online.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yrs
प्रवेश उमेर
18–60 yrs
वार्षिक प्रिमियम
Rs 7,885/yr
प्रिमियम अवधि
Regular
वार्षिक प्रिमियम: 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.
योजना विवरण
परिपक्वता लाभ: No maturity benefit (pure term plan); sum assured paid on death during the term.
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–50 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
82 yrs
वार्षिक प्रिमियम
Rs 7,885/yr
प्रिमियम अवधि
Single / Limited (10-50 yrs; single payment has min 10-yr deferment)
बोनस
Rs 45-90 per 1,000 sum assured/yr (FY2080/81, Chaurasi Puja category - highest bonus)
वार्षिक प्रिमियम: 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.
राइडर: 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)
योजना विवरण
परिपक्वता लाभ: 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.
