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https___www.asianlife.com.np_endowment-micro-life-insurance-plan__1.xml
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Contents - 1 What type of insurance would be used for a return of premium? - 2 What does return of premium mean in life insurance? - 3 What is policy term in term insurance? - 4 What is the advantage of reinstating a policy instead of applying for a new one? - 5 Which of the following settlement options in life insurance is known as straight? - 6 What happens to money at end of term life insurance? - 7 Do I get money back if I cancel my life insurance? - 8 Can you cash out a term life insurance policy? - 9 What are the 4 types of insurance? - 10 What are the 3 types of life insurance? - 11 Is LIC Jeevan Anand a term policy? - 12 What happens if a policy lapses? - 13 How do I get my money back from lapsed policy? - 14 What type of policy that can be changed from one that does not accumulate cash value to the one that does is a? What type of insurance would be used for a return of premium? Return-of-premium, or ROP, life insurance is a type of policy that refunds all premium payments made if the policyholder is still alive at the end of the policy period. The returned money is tax-free and can be used for anything. What does return of premium mean in life insurance? A return of premium rider provides for a refund of the premiums paid on a term life insurance policy if the policyholder doesn’t die during the stated term. This effectively reduces the policyholder’s net cost to zero. What is policy term in term insurance? Policy term refers to the period for which your term insurance policy will remain active. This term is determined at the time of purchasing the insurance plan. It is used to refer to the period during which the life insured is provided guaranteed coverage by the insurer. What is the advantage of reinstating a policy instead of applying for a new one? What is the advantage of reinstating a life insurance policy as opposed to applying for a new one? Policy premium in a reinstated policy will be set according to the insured’s original age. Which of the following settlement options in life insurance is known as straight? Which of the following settlement options in life insurance is known as straight life? The life -income option, also known as straight life, provides the recipient with an income that he or she cannot outlive. It pays the benefit while the beneficiary is alive; however, the payments stop at the beneficiary’s death. What happens to money at end of term life insurance? What happens to my premiums when the policy expires? At the end of your term, coverage will end and your payments to the insurance company will be complete. If you outlive your term life insurance policy, the money you have put in, will stay with the insurance company. Do I get money back if I cancel my life insurance? Do I get my money back if I cancel my life insurance policy? You don’t get money back after canceling term life insurance unless you cancel during the free look period or mid-billing cycle. You may receive some money from your cash value if you cancel a whole life policy, but any gains are taxed as income. Can you cash out a term life insurance policy? Because the number of years it covers are limited, it generally costs less than whole life policies. But term life policies typically don’t build cash value. So, you can ‘t cash out term life insurance. What are the 4 types of insurance? Different types of general insurance include motor insurance, health insurance, travel insurance, and home insurance. What are the 3 types of life insurance? There are three major types of whole life or permanent life insurance —traditional whole life, universal life, and variable universal life, and there are variations within each type. Is LIC Jeevan Anand a term policy? LIC’s Jeevan Anand Plan is a traditional savings plan which not only covers the insured for the chosen policy term, but the life cover continues after the completion of the policy term till the entire life of the insured. The plan also earns bonuses during the plan term. What happens if a policy lapses? A life insurance policy lapses or cancels itself, when you stop paying premiums. If you have a permanent life insurance policy that has accumulated cash value, the insurance company drains your cash value to pay your premiums until it runs out after which the policy lapses. How do I get my money back from lapsed policy? A lapsed policy can be revived under the revival scheme by shifting the original date of commencement by the period of maximum two years. Under the Money Back Plan, policyholders have to bear policy preparation charges and stamp fee. What type of policy that can be changed from one that does not accumulate cash value to the one that does is a? The type of policy that can be changed from one that does not accumulate cash value to one that does, is a: Convertible Term Policy.
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Endowment Micro Life Insurance Plan १) लघु जीवन बीमा कसको लागि उपयोगी हुन्छ ? जीवन बीमा प्राय: सबै मानिसहरुलाई आर्थिक तथा सामाजिक सुरक्षाको लागि आबश्यक पर्दछ । तथापी आर्थिक क्षमताको कारणले गर्दा धेरै मानिसहरुले आफु तथा आफ्नो परिवारको लागि जीवन बीमालेख खरिद गर्न असमर्थ हुन्छन् । लघु जीवन बीमा न्यून आय आर्जन गर्ने व्यक्तिहरुलाई लक्षित गरि बनाइएको एक उपयोगी जीवन बीमा योजना हो । २) लघु जीवन बीमाको मुख्य बिशेषता - थोरै बीमाङ्कको बीमा गर्न सकिने । - थोरै बचतले बीमाशुल्क तिर्न पुग्ने । - दाबी भुक्तानि सरल प्रकृतीको हुने । - बीमा गर्न धेरै झन्झट गर्नु नपर्ने । ३) बीमा गर्नेको उमेर घटीमा १६ बर्ष र बढीमा ६० बर्ष ननाघेको । ४) बीमाङ्क रकम घटीमा रु.१०,०००।– र बढीमा रु.१,००,०००।– सम्म । ५) बीमा अवधि ५ बर्ष । ६) बीमाशुल्क भुक्तानि तरिका बार्षिक वा अर्ध–बार्षिक वा त्रैमासीक । ७) आवश्यक कागजात अ. सावधिक लघु जीवन बीमा प्रस्ताव फाराम आ. नेपाली नागरिकता वा नेपाल सरकारले जारी गरेको उमेर खुल्ने अन्य कुनै फोटो सहितको कागजातको प्रतिलिपि ८) बीमाशुल्क कति तिर्नु पर्छ ? सावधिक लघु जीवन बीमा गर्नको लागि धेरै बीमाशुल्क तिर्नु पर्दैन । जस्तै: ३० बर्षको मानिसले रु.२५,०००।– बीमाङ्कको १५ बर्षे सावधिक लघु जीवन बीमा गर्न चाहेमा बार्षिक रु.१,८७५।– भुक्तनि गरे पुग्छ । जसअनुसार दैनिक रु.५।– वा मासिक रु.१५०।– बचत गर्दा रु.२५,०००।– को १५ बर्ष सम्मको लागि बीमा गर्न सकिन्छ । कति उमेरको मानिसको लागि कति बर्षको बीमा गर्न कति बीमाशुल्क लाग्छ भन्ने कुरा पछाडीका पृष्ठमा बीमाशुल्क दर तालीका उल्लेख दिईएको छ ९) सावधिक लघु जीवन बीमालेखले प्रदान गर्ने सुबिधा कस्तो छ ? क) यो बीमालेख कायम रहि बीमा अवधि समाप्ति मिति सम्म बीमालेखधनि (बिमित) जीवित रहेमा बीमाङ्क रकम र सो अवधि सम्ममा बीमालेखले आर्जन गरेको बोनस रकम बीमालेख अवधि समाप्तिमा एकमुष्ट दिइनेछ । ख) यो बीमालेख कायम रहेको अवधि भित्र बीमालेखधनि (बिमित) को मृत्यु भएमा बीमाङ्क रकम र सो अवधि सम्ममा बीमालेखले आर्जन गरेको बोनस रकम समेत एकमुष्ट भुक्तानी गरिनेछ । १०) नविकरण बीमाशुल्क तिर्न कति दिनको मोहलत अवधि पाइन्छ ? ३० दिन ११) चुक्ता मुल्य, समर्पण मुल्य तथा कर्जाको व्यवस्था बीमालेख चालु भएको पुरा दुई वर्ष पुगे पछि बीमालेखको चुक्ता मूल्य तथा समर्पण मूल्य प्राप्त हुनेछ र समर्पण मूल्यको ९० प्रतिशत सम्म कर्जा उपलब्ध हुनेछ । १२) लघु बीमाको लागि सम्पर्क लघु जीवन बीमाको लागि कम्पनीका “लघु बीमा अभिकर्ता” वा कम्पनीका शाखा तथा उपशाखाहरु