GURANS
LIFE INSURANCE COMPANY LTD.
Gurans Life Insurance Co .Ltd. has been
established and registered under Company Act 2063 B.s.(Regd. No. 1005/063-64)
and Insurance Act 2049
as a public Limited Co. and was issued a
license to operate Life Insurance Business on 2064/12/18. Gurans Life Insurance
Co. Ltd. is promoted by
T.M Dugar Group, Sunrise Bank Ltd. along with
group of diverse and renowned Businessmen, Industrialist and Legal
professionals.
Our Products
Gurans
Endowment with Profit Policy
The most popular form of life assurance since it makes
provision for the family of the Assured in the event of early death, as also
assures a lump sum amount at a desired age. The amount assured, if not paid by
reason of earlier death becomes payable at the end of the endowment term.
Premiums are payable for a term of years equal to the endowment term or until
death if it occurs within this period. If payment of premiums is discontinued after
at least two years premiums have been paid, a paid up policy for an amount
bearing the same proportion to the sum assured as the number of premiums
actually paid bears to the number stipulated for in the policy, will be
automatically secured. Such reduced paid up policy will not be entitled to
participate in the profits declared thereafter.
First
Policy issue date
·
:: 01-06-2008
Key
Feature
·
:: Minimum Entry Age : 16 Years
·
:: Maximum Entry Age : 65 Years
·
:: Minimum Policy Term: 5 Years
·
:: Maximum Policy Term: 54 Years
·
:: Maximum Maturity Age : 70 Years
·
:: Minimum Sum Assured: Rs. 25 Thousand
·
:: Premium Payment Frequency : Yearly/Half
Yearly/Quarterly
Benefits
·
:: Sum assured plus bonus in case of the
maturity
·
:: Sum assured plus bonus will be paid to nominated
person in case of death of the assured.
·
:: Loan facility
·
:: Tax benefits
Additional
Benefits
·
:: Premium Waiver
·
:: Double Accident Benefit
·
:: Money Back
·
:: Monthly Income Benefit
·
:: Permanent Total Disability Benefit
·
:: Rider Benefit
Gurans Money Back Endowment with
Profit Policy
This
policy is of special interest to persons who, besides desiring to provide for
their own old age and family, feel the need for lump sum benefits at periodical
intervals. Unlike ordinary Endowment Assurance, where the full Sum Assured in
the event of survivance is payable only at the end of the endowment period,
under this scheme:
First Policy issue date
·
:: Money Back 15 -- 01-06-2008
·
:: Money Back
20 --
08-06-2008
1. 15 Years Gurans Money Back
·
::
25% of Sum Assured at the end of 5 years
·
::
25% of Sum Assured at the end of 10 years
·
::
50% of Sum Assured at the end of 15 years
2. 20 Years Gurans Money Back
·
::
25% of Sum Assured at the end of 5 years
·
::
25% of Sum Assured at the end of 10 years
·
::
25% of Sum Assured at the end of 15 years
·
::
25% of Sum Assured at the end of 20 years
However,
in the event of death at any time within the selected term, the full sum
assured is payable without any deduction or adjustment for the amount that may
have been paid earlier by way of survival benefit. Premiums are payable for the
second term years or till death if it occurs within this period. The bonus
additions to the policy will be reckoned on the full sum assured and are
payable at the end of the selected term or at the life assured's death, if
previous. In the event of cessation of the premium under this policy, paid-up
assurance, payable at the end of the selected term of years or at the life
assured's death if previous, is automatically secured provided premiums have
been paid under the policy for not less than two years and a minimum paid-up
assurance of Rs.1000/- exclusive of any attached bonus secured.
Key Features
·
::
Minimum Entry Age : 16 Years
·
::
Policy Term: 15/20 Years
·
::
Maximum Maturity Age : 70 Years
·
::
Minimum Sum Assured: Rs. 50 Thousand
·
::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly
Benefits
·
::
Sum assured plus bonus in case of the maturity (e.g. Sum assured is known as
remaining partial amount of sum assured to be returned.)
·
::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.
·
::
Loan facility
·
::
Tax benefits
Additional Benefits
·
::
Double accident benefit is available with nominal extra premium. In case of the
death of the assured, a nominee will receive assured amount, bonus plus Rs. 25
lac (maximum).
Gurans Endowment with Whole Life
Policy
The
mostly benefied product for the assured.
First Policy issue date
·
::
18-11-2008
Key Feature
·
::
Minimum Entry Age : 16 Years
·
::
Maximum Entry Age : 65 Years
·
::
Minimum Policy Term: 5 Years
·
::
Maximum Policy Term: 54 Years
·
::
Maximum Maturity Age : 70 Years
·
::
Minimum Sum Assured: Rs. 1 Lacks.
·
::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly
Benefits
·
a) On
Death of Life Assured during the term of the policy: FULL SUM ASSURED + BONUSES
DECLARED AND VESTED IN THE POLICY.
·
b) On
Survival to Maturity Date: SUM ASSURED + BONUSES DECLARED AND VESTED IN THE
POLICY
·
c) On
Death of Life Assured after the premium term of the policy: FULL SUM ASSURED
·
d)
Premiums are payable : UPTO THE DATE OF MATURITY OR UPTO DEATH IF EARLIER
·
e)
Loan facility
·
f)
Tax benefits
Additional Benefits
·
::
Double accident benefit is available with nominal extra premium. In case of
accidential death of the assured, a nominee will receive assured amount, bonus
plus Rs. 25 lac (maximum) or whichever is lower than rider benefit amount.
Child Endowment with Profits
This
policy allows to make provision for Childern's Education or Marriage. Although,
under this policy Sum Assured along with bonus is payble only at the end of the
selected term, in the event of unfortunate death of the life assured 1% of sum
assured is payable monthly from death to date of maturity.
Premium
under this policy are payable for the selected term of the policy or till death
of Life Assured if occurs before date of maturity. However, bonus will accure
upto the end of the term, even after cessation of the premiums on death.
By
payment of extra premium Accident and Disability Benefit(due to accident) can
be covered. If this benefit is availed, the benefits are payble immediately on
the date of the death/Disability by accident. However, the basic Sum Assured
with bonuses is payable at the end of the term.
First Policy issue date
·
:: Gurans Bal Surakshya
Jeevan Bima --
14-11-2008
·
:: Gurans Naulo Bal
Surakshya Jeevan Bima -- 12-01-2012
Key Feature
·
::
Minimum Entry Age : 0 Years
·
::
Maximum Entry Age : 15 Years
·
::
Minimum Policy Term: 5 Years
·
::
Maximum Policy Term: 30 Years
·
::
Maximum Maturity Age : 30 Years
·
::
Minimum Sum Assured: Rs. 50 Thousand
·
::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly
Benefits
·
::
Sum assured plus bonus in case of the maturity
·
::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.
·
::
Tax benefits
Additional Benefits
·
::
Premium Waiver Benefit
·
::
Monthly Education Benefit
Gurans Sanjeevani Pre-payment
Insurance Policy
5% of
Sum Assured is devided by 12 will be returned to the client after completing 5
years (aniversary date) from date of commencement in every month. Same payment
will be continued till maturity of policy or death of assured. And, after
completing 15 years (at aniversary date form commencement date) 50% of the sum
assured plus bonus will be returned to the client. If the death of assured is
earlier than the maturity of policy then, full/parcial sum assured plus bonus
will be returned as per insurnce act.
First Policy issue date
·
::
22-02-2011
Key Feature
·
::
Minimum Entry Age : 16 Years
·
::
Maximum Entry Age : 55 Years
·
::
Minimum Policy Term: 15 Years
·
:: Maximum
Policy Term: 15 Years
·
::
Maximum Maturity Age : 70 Years
·
::
Minimum Sum Assured: Rs. 200 Thousand
·
::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly
Benefits
·
::
Sum assured plus bonus in case of the maturity
·
::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.
·
::
Loan facility
·
::
Tax benefits
Additional Benefits
·
::
Premium Waiver
·
::
Double Accident Benefit
·
::
Money Back
·
::
Monthly Income Benefit
·
::
Permanent Total Disability Benefit
·
::
Rider Benefit
LIMITED PAYMENT ENDOWMENT WITH
PROFITS
The
most popular form of life assurance since it makes provision for the family of
the Assured in the event of early death, as also assures a lump sum amount at a
desired age. The amount assured, if not paid by reason of earlier death,
becomes payable at the end of the endowment term. Premiums are payable for a
limited period of chosen term or until death if it occurs within this period.
If payment of premiums is discontinued after at least two years’ premiums have been
paid, a paid up policy for an amount bearing the same proportion to the sum
assured as the number of premiums actually paid bears to the number stipulated
for in the policy, will be automatically secured. Such reduced paid up policy
will not be entitled to participate in the profits declared thereafter.
First Policy issue date
·
::
30-05-2013
Key Feature
·
::
Minimum Entry Age : 11 Years
·
::
Maximum Entry Age : 60 Years
·
::
Minimum Policy Term: 10 Years
·
::
Maximum Policy Term: 30 Years
·
|
::
Policy Term Years:
|
10
|
15
|
20
|
25
|
30
Years
|
|
::
Policy Pay Terms:
|
1/5
|
1/5/10
|
1/5/10/15
|
1/5/10/15/20
|
1/5/10/15/20/25
|
·
::
Maximum Maturity Age : 70 Years
·
::
Minimum Sum Assured: Rs. 50 Thousand
·
::
Premium Payment Frequency : Single/Yearly/Half Yearly/Quarterly
Benefits
·
::
Sum assured plus bonus in case of the maturity
·
::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.
·
::
Loan facility
·
::
Tax benefits
Additional Benefits
·
::ADB/PWB/TPD
(Accident only) Available for Age at entry 16 years and above
Gurans Foreign Employment Policy
Gurans Baideshik Rogjar Myadi
jeevan beema yojana is designed to cover natural as well as accidental
insurance for people living and working out of Nepal.
Sample Premium Rate
Following
is the Sample Premium Rate For Gurans Foreign Employment Policy
|
Age
|
1 Year
|
2 year
|
3 Year
|
4 Year
|
5 Year
|
|
18-35
|
1025
|
1825
|
2430
|
3050
|
3550
|
|
36-50
|
1500
|
2500
|
3400
|
4200
|
4900
|
|
51-64
|
3500
|
5000
|
6600
|
8300
|
10000
|
First Policy issue date
·
::2008-06-03
Key Feature
·
::
Minimum Entry Age : 18 Years
·
::
Maximum Entry Age : 64 Years
·
::
Minimum Policy Term: 1 Years
·
::
Maximum Policy Term: 5 Years
·
::
Maximum Maturity Age : 69 Years
·
::
Minimum Sum Assured: Rs.500,000
·
::
Maximum Sum Assured: Rs.500,000
·
::
Premium Payment Frequency : Single
Benefits
·
::
Maturity Benifit : None
·
::
Death Benifit: NPR 500,000 and body carrying cost of NPR 100,000
Gurans Annual Cash Back Life
Insurance Policy
We
have introduced this policy with focus to customers, who have to make repayment
of loans or to fulfill individual needs. In this policy, 4% of sum assured will
be returned to the assured at completion of every year. On policy maturity date
the remaining sum assured plus earned bonus will be returned to the policy
holder. In case of death of assured is before the maturity of policy, full sum
assured plus earned bonus will be returned to nominee.
First Policy issue date
·
::
Key Feature
·
::
Minimum Entry Age : 18 Years
·
::
Maximum Entry Age : 55 Years
·
::
Minimum Policy Term: 10 Years
·
::
Maximum Policy Term: 20 Years
·
::
Maximum Maturity Age : 65 Years
·
::
Minimum Sum Assured: Rs. 500,000
·
::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly
Benefits
·
:: 4%
of Sum Assured will be returned back to assured annually.
·
::
Bonus plus remaining sum assured will be paid to the assured after maturity.
·
::
Sum Assured plus bonus will be paid to nominated person in case of death of the
assured as per the policy conditions.
Additional Benefits
·
::
Premium Waiver
·
::
Double Accident Benefit (up to 30 lakhs)
·
::
Monthly Income Benefit
·
:: Permanent
Total Disability Benefit
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