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https___www.asianlife.com.np_endowment-micro-life-insurance-plan__1.xml
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Contents - 1 What happens to term life insurance at the end of the term? - 2 Can you cash in on a term life insurance policy? - 3 How long does Term life insurance usually last? - 4 Do you get your money back at the end of a term life insurance? - 5 What’s better term or whole life? - 6 Can you convert a term life insurance policy to whole life? - 7 Is a term life insurance policy worth anything? - 8 How do you cash in term life insurance? - 9 What is the cash surrender value of a term life insurance policy? - 10 What is the age limit for life insurance? - 11 How much is term life insurance for a 50 year old? What happens to term life insurance at the end of the term? 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. Term life insurance is not a savings or investment plan. Can you cash in on 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. How long does Term life insurance usually last? How long is term life insurance? A term life insurance policy is typically 10, 20, or 30 years. Some insurers offer longer or shorter term lengths between five and 40 years. Do you get your money back at the end of a term life insurance? If you outlive the policy, you get back exactly what you paid in, with no interest. The money back is not taxable, as it’s simply a return of payments you made. With a regular term life insurance policy, if you are still living when the policy expires, you get nothing back. What’s better term or whole life? Term coverage only protects you for a limited number of years, while whole life provides lifelong protection—if you can keep up with the premium payments. Whole life premiums can cost five to 15 times more than term policies with the same death benefit, so they may not be an option for budget-conscious consumers. Can you convert a term life insurance policy to whole life? Most term life insurance policies automatically include a term conversion rider that allows you to convert your existing term policy to a whole life policy. (If yours doesn’t have one, or if you ‘re not sure if you have a convertible term life insurance policy, talk to your insurance company.) Is a term life insurance policy worth anything? No, term life insurance does not have a cash value (These policies also go by whole life insurance, variable life insurance, and universal life insurance. How do you cash in term life insurance? To get cash out of your life insurance, it needs to be a permanent policy, such as whole life, that has had time to build cash value. Term life insurance doesn’t qualify. It’s typically the most affordable type of life insurance, but the main trade-offs are that term life lasts for a limited time and has no cash value. What is the cash surrender value of a term life insurance policy? Cash surrender value is defined as the internal value of an insurance policy at any point that is equal to the value of the accumulation account minus a surrender charge. Surrender charges gradually reduce to zero after a specified time, such as after the first 10 years of the policy’s life. What is the age limit for life insurance? Typically, the maximum age at which life insurance policies are issued depends on the individual life insurance company, so there really isn’t a universal set limit. However, you may not find a lot of companies willing to issue you a policy if you’re age 85 or older. How much is term life insurance for a 50 year old? The term life insurance quotes below are for a 20- year term life insurance policy with a death benefit of $500,000. Average term life insurance rates by age.
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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