Sanima Life Insurance

Sanima Dhan Sanchaye (Limited Payment Endowment Cum Whole Life) Life Assurance

This plan provides sum assured along with vested bonus to life insured at the end of maturity of the policy term or to the beneficiary on untimely demise of the insured before term of the policy. After maturity, risk coverage equal to basic sum assured continues up to 100 years of age of life insured. In case of death of life insured after maturity, additional basic sum assured will be paid to beneficiary.

In case, insured life is alive up to age of 100 years, basic sum assured will be paid to insured himself/herself.

The salient features of the plan are as follows:

  • Minimum Age at Entry : 16 Years (Nearer Birthday)
  • Maximum Age at Entry : 65 Years (Nearer Birthday)
  • Policy Term : 5/10/15/20/25/30 Years
  • Premium Paying Term : Single/5/10/15/20/25 Years
  • Maximum Age at Maturity : 70 Years (Nearer Birthday)
  • Minimum Sum Assured : NRs. 50,000/-
  • Maximum Sum Assured : Unlimited
  • Mode of Premium Payment : Single/Yearly/Half-Yearly/Quarterly
  • Riders : ADB,ADB/PTD+PWB [Critical Illness rider is not available]

Rider Benefit


In case of death of life assured  due to accident during premium term,  the company shall pay additional sum assured (Maximum sum assured for the rider is NRs. 1,00,00,000/- or basic sum assured whichever is lower) to the nominee of life assured.


In case of permanent total disability of insured due to accident during premium term, remaining premium will be waived and disability benefit will be paid up to 10 years. Maximum sum assured for both of these riders is NRs. 1,00,00,000/- or basic sum assured whichever is lower. ADB rider is compulsory to avail PTD+PWB rider.


Discounts On Sum Assured Discount On Payment Mode
NRs. 5, 00, 001 and above – NRs. 2 Yearly – 2%
NRs. 2, 00, 001 to 5, 00, 000 – NRe. 1 Half-Yearly – 1%
NRs. 50,000 to 2, 00, 000 – No Discount Quarterly – No Discount
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