https___www.eck.net_life-health_life-insurance_.xml
https___rbs.gov.np_endowment-plan__1.xml
1.1 2.1 2.2 3.1 3.2 4.1 5.1 6.1 7.1 8.1 8.2 9.1 10.1 10.2 11.1 12.1 13.1 13.2 14.1 14.2 15.1 16.1 16.2 17.1 18.1
Life Insurance More than one third of households would feel the financial impact within one month if the primary wage earner died (Life Happens and LIMRA study). If something happens to you, do you want your loved ones to be financially protected? As an independent insurance agency, we are able to offer a wide selection of life insurance policy options to protect and empower your loved ones in the event you are no longer able to. Our team researches available policies from our large network of insurance companies and brokerages to identify the best coverage option to achieve your goals. Available life insurance policy types include: - Term - Whole - Universal Many factors go into determining which type of policy is ideal for your current circumstances, like your reason for purchasing, your age and health status, as well as your current financial situation. We will guide you through these considerations and help you achieve your desired outcome. Term life insurance A term life insurance policy offers a specific benefit amount should you pass away within the policy’s term. Term length will vary between policies, but can range anywhere from 10 to 30 years. Monthly premiums are generally lower on this type of policy, but it gains no cash value should you live beyond the term of the policy. Whole life insurance A whole life insurance policy offers coverage for the life of the insured. This type of policy has fixed premiums and provides guaranteed death benefits. While premiums are higher than with term insurance, this type of policy has great savings potential since it builds cash value over time. In fact, the benefit amount can actually increase over the life of the policy, providing the insured with increased capital at a very low risk. Universal life insurance A universal life insurance policy also offers guaranteed premium and death benefit for the life of the insured. Unlike a whole life policy, the parameters of a universal life insurance policy can be adjusted to adapt to the insured’s current needs. This type of policy also builds cash value, but it is at a lower rate due to the available flexibility of premium and total death benefit. Contact us to learn more about your options.
1.1 2.1
Term Life Assurance (म्यादी जीवन बीमा) निश्चित अवधिको लागि थोरै बीमाशुल्क तिरेर जोखिम बहन गर्नको लागि मात्र गरिने बीमालाई म्यादी जीवन बीमा भनिन्छ । यस किसिमको बीमामा जम्मा भएको बीमाशुल्क फिर्ता हुदैँन तर बीमितको मृत्यु भएमा बीमांक रकम निजको आश्रित परिवारलाई भुक्तानी गरिन्छ । व्यक्तिको मृत्युबाट हुने आर्थिक क्षति र साहुको कर्जाको सुरक्षाको लागि यस किसिमको बीमा गरिन्छ । यस प्रकारको बीमामा मुनाफामा सरिक नहुने गरी बीमालेख जारी गरिन्छ । यस प्रकारको बीमा वापत तिरिने बीमाशुल्क अन्य जीवन बीमा योजनामा जस्तो जम्मा हुँदैन र तोकिएको अवधिसम्म बीमित जीवितै रहेमा कुनै रकम भुक्तानी गरिदैँन । तोकिएको अवधिभित्रै बीमितको मृत्यु भएमा बीमाशुल्क तिर्नुपर्ने छैन र साहुलाई तिर्नुपर्ने रकम बीमालेखमा लेखिएबमोजिम संस्थानले तिरिदिने छ । कर्जावालाको सुरक्षण र छोटो अवधिको जीवन बीमा प्रयोजनको लागि यो बीमा महत्वपूर्ण रहेको छ ।