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Sahara Shrestha Nivesh Jeevan Bima Plan

What is the Plan all About?

Sahara Shrestha Nivesh-Jeevan Bima is a single premium, non-participating endowment insurance plan which helps you achieve savings plus life cover. This plan provides payout on maturity and fulfill the protection needs of your family.


What are the Key Features?

  • Sum Assured as maturity benefit
  • Financial protection for family
  • Single premium to get cover for entire policy term
  • Loan benefit is available
  • Enjoy high sum assured rebate
  • Tax benefits available

What are the Plan Benefits?

Death Benefit

    On the unfortunate demise of the life insured during the policy term, the death benefit equal to the sum assured is payable immediately. Sum Assured should never be less than 125% of the single premium when age at entry is less than 45 years. It is 110% of the single premium when age at entry is equal to or more than 45 years.

Maturity Benefit

    On survival of the life insured till completion of the policy term, the maturity benefit equal to the sum assured is payable.


    No bonuses are payable, as it is a non-participating insurance plan.

Loan Benefit

    You can avail loan amount up to 90% of the surrender value.

Surrender Value

    Surrender Value can be acquired anytime during the term of the policy. Surrender Value payable is higher of Guaranteed Surrender Value or Special Surrender Value.

Tax Benefit

    The premiums paid are eligible for tax benefit under section 80C of the Income Tax Act and benefits payable can also avail tax benefit under section 10 (10D) of the Income Tax Act, 1961.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 9 Years 60 Years
Age at Maturity - 70 Years
Policy Tenure 5 Years 10 Years
Premium Paying Term Single Pay -
Premium Paying Mode Single -
Premium Amount Rs 16,992 Rs 71,17,825
Sum Assured Rs 30,000 Rs 1 Crore (subject To Underwriting)
Freelook Period 15 Days From The Receipt Of The Policy -
Grace Period Nil -
Plan Type Offline -

Is any Rider Available with this Plan?

No rider can be attached under this plan.

How the Plan Works?

Aayush at 35 years buys Sahara Shrestha Nivesh-Jeevan Bima with the policy term of 8 years, pays single premium of Rs 19,150 and the sum assured is Rs 30,000.

Scenario A: Aayush Survives the Policy Term

On survival of Aayush till end of the policy term, an amount equal to the sum assured i.e., Rs 30,000 is payable.

Scenario B: Aayush dies during the Term of the Policy

In the event of the demise of Aayush within the policy term, the death benefit payable equal to sum assured i.e., Rs 30,000 is payable.

Benefit Illustration:

Shubh Nivesh-Jeevan Bima Plan Benefit Illustratio