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What is the Contract of Life Insurance? Life insurance is an arrangement between the insurer and the policyholder in which the insurer promises the payment of the death benefit to the designated beneficiaries until the insured dies. Death insurance is promised by the insurance company in exchange for the premiums paid to the policyholder. The person responsible for making insurance contributions is the purchaser of the insurance, while the insured is the person earning the death benefit and the insured is the one whose death will result in the payment. The owner and the insured may or may not be the same entity. The contract issuer is the guarantor, and they will be the ones to pay for the contract. Terms in the Contract of Life Insurance Policy The beneficiary shall be named by the owner, but the beneficiary is not a party to the scheme. The owner can irrevocable beneficiary, any changes made to the beneficiary, configured assignments, or cash benefit leveraging will entail the approval of the initial beneficiary. The insurance company sets the premiums to a sum that is sufficient to fund the claims, to pay the running costs, and to make a profit. The number of premiums is calculated using the mortality tables measured by the actuary. Mortality tables are statistically based tables representing the estimated lifetime mortality rates of people of different ages. Mortality tables offer a benchmark for insurance costs, but the wellbeing and family history of a single claimant is also taken into account, except for company policies. This investigation and the resulting determination was referred to as underwriting. Health and lifestyle questions are being asked, with some responses that may warrant further investigation. Upon the death of the insured, the insurer shall, before the settlement of the premium, submit sufficient proof of death. If the death of the insured person is suspicious and the amount of insurance is high, the creditor may investigate the facts around the death before deciding whether or not the lawsuit needs to be settled. Pay from the insurer shall be rendered either a lump sum or an annuity charged per month, either over a specified amount of time or for the life of the beneficiary. Types of Life Insurance Policy Term Life Insurance: Term life insurance is also known as pure life insurance. The term life insurance offers payment of death benefits to the beneficiaries in case of death of the insured person during the specified term in the insurance. Term life insurance premiums are based on the health, family history, occupation, smoker or non-smoker, current medication, person’s age, and life expectancy of the insured person. The cash benefit will be given to the beneficiaries of the insured person to settle funeral expenses healthcare, loans, or mortgages. Whole Life Insurance: Whole life insurance covers the life of the insured person. Unlike term life insurance here you have a saving component. This insurance provides insurance coverage to the insured person for the entire life of 100 years of age. The beneficiaries will get a death benefit in case of death of the insured person during the term of the policy. Every year the insured person has to pay the premium. A potion from this premium is used for protection and the rest of the amount is invested with the insurance company. The insured person will be entitled to a bonus if the profit is earned on the amount invested in the company. The insured person can withdraw the investments then the value gained is returned to the policyholder. Endowment Life Insurance Policy: An endowment policy covers the life of the insured person and helps the insured person to save money for a specified period. The insured person will get the lump sum amount on the maturity of the policy if the insured survives the specified term of the policy. You can use this maturity amount for funding your retirement, buying a house, or children’s education. This insurance can be a good option for saving a lump sum amount for the people earning a regular income. Money-Back Insurance Policy: Money back insurance policy can be an ideal option if you want a guaranteed return on their investments and regular payouts in addition to the insurance cover. This insurance policy pays an amount that is called survival benefits over the tenure of the policy, unlike standard life insurance policy that only pays the amount after the maturity of the policy. Retirement Insurance Plans: Planning for retirement is a life-long process and is the best way to secure your retirement life. A retirement insurance plan is for achieving retirement income goals, living expenses, and medical expenses. Retirement planning is very important in your early age of 30 – 40.
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ग्रामिण सावधिक जीवन बीमा -१६ नेपाल लाइफ इन्स्योरन्स कम्पनी लिमिटेडले ग्रामिण बीमाको माध्यमबाट न्यून आय भएका समुदायसम्म जीवन बीमाको पहुँच पुर्याई उनीहरुको साना–साना वचतको महत्व उजागर गरि आम जनतालाई आर्थिक सुरक्षा प्रदान गर्ने उद्देश्यले “सबैका लागि जीवन बीमा – किनकी जीवन अमूल्य छ” भन्ने नाराका साथ लघु जीवन बीमाको रूपमा यो जीवन बीमा योजना सर्वसाधारण समक्ष प्रस्तुत गरिएको छ । मुख्य विशेषता — स्वास्थ्य परिक्षणको आवश्यकता नपर्ने — लगानीको भरपर्दो माध्यम — झण्झट रहित प्रक्रियत तथा सजिलै दावी भुक्तानी हुने — बीमा शुल्क भुक्तानी गर्ने मोहलत अवधि ६० दिन रहेको — थप दूर्घटना मृत्यु लाभ सुविधा स्वतः समावेश रहेको — ग्रामिण तथा लघु परिवेश लक्षित नेपालकै पहिलो सावधिक जीवन बीमा बीमा योग्यता, शर्त तथा सुविधा ७) बीमाशुल्कमा छुट तथा थप (क) बीमाङ्क रु.५०,००१ देखि रु.१,००,००० सम्ममा रु.१ र बीमाङ्क रु.१०१,००० देखि माथि रु.२ प्रति हजार बीमाङ्कमा छुट । (ख) बार्षिक बीमा शुल्क भुक्तानीमा बीमाशुल्कको २ प्रतिशत छुट, अर्ध–बार्षिक बीमा शुल्क भुक्तानीमा बीमाशुल्कको १ प्रतिशत छुट हुनेछ भने मासिक बीमा शुल्क भुक्तानीमा बीमाशुल्कको ५ प्रतिशत थप लाग्नेछ । ८) मोहलत अवधि ः नविकरण बीमाशुल्क भुक्तानीका लागि ६० दिनको मोहलत अवधि उपलब्ध हुने । ९) यस योजनामा समावेश भएका सुविधा ः ऋण तथा समर्पण मूल्य तपसिल बमोजिम उपलब्ध हुनेछ । (क) बीमा प्रारम्भ भएको मितिले दुई वर्ष पश्चात २ वर्षकोपूरा बीमाशुल्क भुक्तानी गरे पछि बीमालेखको समर्पण मुल्य प्राप्त हुनेछ । (ख) समर्पण मुल्य प्राप्त भएको बीमालेखमा समर्पण मुल्यको ९० प्रतिशत सम्म कर्जा प्राप्त गर्न सकिनेछ । १०) बीमाङ्क तथा बोनस रकम भुक्तानि पाउने अवस्था (क) बीमालेख चालु रहि बीमा अवधि समाप्ति मिति सम्म बीमित जीवित रहेमा बीमालेखमा उल्लेख भएको बीमाङ्क रकम र बीमालेखको आर्जित बोनस रकम बीमालेख अवधि समाप्तिमा एकमुष्ट दिइने छ । (ख) बीमालेख चालु रही बीमा समाप्ति मिति अगावै बीमितको मृत्यु भएमा तपसिल बमोजिम भुक्तानी गरिनेछ । १) बीमालेख प्रारम्भ भएको १ (एक) वर्ष भित्र मृत्यु भएमा, (अ) दुर्घटनाको कारणले बीमितको मृत्यु भएमा बीमाङ्कको २ (दुई) गुणा रकम मात्र भुक्तानी गरिनेछ । (आ) दुर्घटना बाहेकको अन्य कारणबाट बीमितको मृत्यु भएमा बीमितले भुक्तानी गरेको सम्पूर्ण बीमाशुल्क (बीमालेखको थप/अतिरिक्त शुल्क बाहेक) फिर्ता गरिनेछ । २) बीमालेख प्रारम्भ भएको १ (एक) वर्ष पश्चात मृत्यु भएमा, (अ) दुर्घटनाको कारणले बीमितको मृत्यु भएमा बीमाङ्कको २ (दुई) गुणा रकम र सो अवधि सम्ममा बीमालेखले आर्जन गरेको बोनस रकम समेत एकमुष्ट भुक्तानी गरिनेछ । (आ) दुर्घटना बाहेकको अन्य कारणबाट बीमितको मृत्यु भएमा बीमाङ्क रकम र सो अवधि सम्ममा बीमालेखले आर्जन गरेको बोनस रकम समेत एकमुष्ट भुक्तानी गरिनेछ ।