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- 2. How many of you have got an INSURANCE?
- 4. Why Insurance? SavingsSecurity Growth Car/Bike Home Health Child Money Back Whole Life Endowment
- 5. 92% of us are not yet INSURED
- 6. COMPARE BUY CLAIM We are an insurance portal, which allows the user to
- 7. Why Ebeema? • Superior Service • Claim Assistance • No bias towards one company/Best Price Guarantee.
- 10. Money Back
- 11. Money Back
- 12. Say “Hi” to EASY
- 13. Investment andSavings(Endowment) • Annualpremium Payment • Annualbonus + Risk Coverage • Total return at maturity = Accumulated bonus + sumassured
- 14. Investmentand Savings (Example) • Insurance Provider: Jyoti Life Insurance • Age: 25 • Term: 15 years • Sum Assured: Rs. 5,00,000
- 15. Investmentand Savings (Example) • Annual Premium: Rs. 36,830 • Bonus • Annual: Rs. 30,000 • Total:30,000 X 15 = 4,50,000 • At Maturity: Rs. 5,00,000 + Rs. 4,50,000 = Rs.9,50,000 • IRR:6.52% • Incase of accidental death (5th year): Rs. 5,00,000 (SA) + Rs. 5,00,000 (ADB) + Rs. 1,50,000 (Bonus) = Rs. 11,50,000
- 16. Money Back • Return at intervals • Bonus and remaining return at maturity • Coverage (ND, ADB and PTD)
- 17. Money Back (Example) • Insurance Provider: Life Insurance Corporation Nepal (LIC) • Age: 25 • Term: 15 year • Sum Assured: Rs. 5,00,000
- 18. Money Back (Example) • Annual Premium: Rs. 41,125 • Bonus • Annual: Rs. 30,500 • Total: 30,500 X 15 = 4,57,500 • Money Back: At end of the 5th year: Rs. 1,25,000 At end of the 10th year: Rs. 1,25,000 • At maturity: Rs. 2,50,000 + Rs, 4, 57,500 = Rs. 7,07,500 • Total Return: Rs. 9,57,500 • IRR: 10.15% • In case of accidental death (5th year): Rs. 5,00,000 (SA) + Rs. 5,00,000 (ADB) + Rs. 1,52,500 (Bonus) = Rs. 11,52,500
- 19. Money Back IRR Template
- 20. Whole Life Insurance • Annual Premium • Bonus and Sum Insured at Maturity • Whole Life Risk Coverage
- 21. Whole Life Insurance (Example) • Insurance Provider: Nepal Life Insurance Company • Age: 25 • Term: 15 • Sum Assured: Rs. 5,00,000
- 22. Whole Life (Example) • Annual Premium: Rs. 38,650 • Bonus • Annual: Rs. 32,500 • Total: 32,500 X 15 = Rs. 4,87,500 • At maturity: Accumulated Bonus = Rs. 9,87,500 • After Maturity: Nominee will get Sum Insured amount at death of insured person. • In case of accidental death (5th year): Rs. 5,00,000 (SA) + Rs. 5,00,000 (ADB) + Rs. 1,62,500 (Bonus) = Rs. 10,62,500
- 23. Comparison of Insurance Plan Term: 15 years Sum Insured: Rs. 5, 00,000 Insurance Plan Company Premium Expected Bonus Expected Return IRR Saving and Investment LIC Rs. 33,000 Rs. 4,57,500 Rs. 9,57,500 8% Saving and Investment Jyoti Life Rs. 36,830 Rs. 4,50,000 Rs. 9,50,000 6.52% Money Back Insurance LIC Rs. 41,125 Rs. 4,57,500 Rs. 9,57,000 10.15% Whole Life Insurance NLIC Rs. 38,650 Rs. 4,87,500 Rs. 9,87,500 6.41% Note: Jyoti Life Insurance provides coverage for 11 major critical illness.
- 24. Life InsuranceCoverage • Natural Death • AccidentalDeath Benefit (ADB) • Permanent TotalDisability(PTD) • Premium Waiver Benefit (PWB)
- 25. Life Insurance Benefits • Forced Savings • Coverage / Peace of Mind • Healthy Return: 8 to 12% return depending on the policy • Tax Savings: up to Rs. 20,000 a year • Loan Facility
- 26. Non life • Bike/ car • Home • Health • Accidental • Home • Assets – mobile
- 27. Premium: < 150 = 1717 150 – 250 = 1945 > 250 = 2170 Coverage: Death : 5,00,000 Medical : 3,00,000 Total coverage : 25,00,000 Bike insurance
- 28. Car Premium: < 1000 = 1717 1000 – 1600 = 1945 > 1600 = 2170 Coverage: Death : 5,00,000 Medical : 3,00,000 Total coverage : 80,00,000
- 29. Now don’t you want to get an INSURANCE?