Ordinary Life Insurance

Delta Life offers diverse ordinary life insurance schemes in accordance with the need of dissimilar people. Our insurance policies have more flexibility in terms of coverage, term, payment mode, supplementary policies, allowing the policyholder to choose the coverage they want. We are providing excellent world class services through our 28 Servicing Cell/Centre and 206 Agency Offices all over Bangladesh. Approximately 8000 development officers are at your door step to give you best solution.

Endowment Insurance Plan - 01
Endowment Insurance Plan is the most popular and commonly available Insurance Plan. The main object of this plan is to ensure financial security of you and your family. It pays you the amount of money that you have decided to fix as Sum Assured and earned bonus at maturity or in unfortunate loss of life.
Key Features
  • Wealth Creation through Bonus
  • Sum assured plus accrued bonus on maturity.
  • Valuable variable financial protection for your family in case you are not around
One-Two-Three Endowment Insurance Plan - 02
One-Two-Three Endowment Insurance Plan provides a better value of your money in the event of undesirable circumstances by paying a variable benefit amount to keep your family financially independent and to protect your family from the financial shortfall that arises from the irrecoverable loss of your life due to accident and disease. It lets you decide how much you would like to set as your Sum Assured just for your basic life cover based on your current financial position and your expected future expenses which accelerates to double on loss of life due to disease and triple on loss of life due to accident
Key Features
  • Wealth creation through bonus additions
  • On maturity receive Sum Assured plus bonuses.
  • Valuable variable financial protection to your family in case you are not around
Three Payment Insurance Plan - 03
The main objective of Three Payment Insurance Plan is to provide emergency financial support to the policy holder during the term of the policy as well as much needed financial security to family in case of unfortunate loss of life. It lets you decide how much you would like to get back before the maturity by deciding on the amount of Sum Assured for your life cover based on your current financial position as well assurance of financial return for your family in case of your untimely death.
Key Features
  • 50% of Sum assured is paid in two installments before the maturity.
  • Remaining 50% plus accrued bonus is paid on maturity
  • Full Sum assured plus accrued bonus is paid on death at any time during the term of the policy.
Biennial Payment Plan - 04
The main objective of Biennial Payment Plan is to provide financial support to the policy holder on regular basis during the term of the policy as well as much needed financial security to family in case of unfortunate loss of life. It lets you decide how much you would like to get back before the maturity by deciding on the amount of Sum Assured for your life cover based on your current financial position as well assurance of financial return for your family in case of your untimely death.
Key Features
  • A portion of Sum Assured is paid in installments before the maturity.
  • Remaining Portion of Sum Assured plus accrued bonus is paid on maturity.
  • Full Sum Assured plus Accrued Bonus is paid on death at any time during the term of the policy.
Flexible Insurance Plan - 16
The main objective of Flexible Insurance Plan is to provide not only emergency financial support to the policy holder during the term of the policy as well as much needed financial security to family in case of unfortunate loss of life but also a flexible payment option so that the policy holder can get a tailored scheme according to his or her needs. It lets you decide how much you would like to get back before the maturity by deciding on the amount of Sum Assured for your life cover based on your current financial position as well assurance of financial return for your family in case of your untimely death.
Key Features
  • Rate of premium is same regardless of age of the policyholder.
  • The Sum Assured is equal to the total premium paid over the term of the policy.
  • Policy Holder can keep the policy in force by paying premium for half the term of policy and get the full benefit at maturity.
Endowment Plan with Guaranteed Profit (21)
This policy will give you guaranteed profit fixed at 4%. Sum Assured along with Accrued Bonus at 4% will be paid at maturity or in unfortunate loss of life.
Key Features
  • Wealth Creation through Bonus
  • Sum assured plus accrued bonus at 4% on maturity.
  • Valuable financial protection for your family in case you are not around
Endowment Insurance Plan – Without Bonus (41A)
The main objective of this plan is to ensure financial security of you and your family. It pays you the amount of money that you have decided to fix as Sum Assured at maturity or in unfortunate loss of life.
Key Features
  • Valuable variable financial protection for your family in case you are not around.
  • Flexibility to add supplementary benefits or rider based on your choice for a nominal extra premium.
  • Due to the absence of policy bonus, Premium Rate is significantly lower compared to other conventional endowment scheme.
Five to One Endowment Insurance Plan (05)
The main objective of Biennial Payment Plan is to provide financial support to the policy holder on regular basis during the term of the policy as well as much needed financial security to family in case of unfortunate loss of life. It lets you decide how much you would like to get back before the maturity by deciding on the amount of Sum Assured for your life cover based on your current financial position as well assurance of financial return for your family in case of your untimely death.
Key Features
  • A portion of Sum Assured is paid in installments before the maturity.
  • Remaining Portion of Sum Assured plus accrued bonus is paid on maturity.
  • Full Sum Assured plus Accrued Bonus is paid on death at any time during the term of the policy.
Double Benefit Endowment Insurance Plan – 05A
This policy is for someone has a lump sum amount of money that he or she would like to put aside and watch it grow. In this policy, you pay the full premium once and get twice the amount of Sum Assured after ten years. In case of earlier death during the term of policy, your nominees get the same treat. This will help you ensure the financial security for yourself as well as your family in case you are not around to support them.
Key Features
  • A single premium equal to Sum Assured to be paid as at the commencement of the policy.
  • Double the amount of Sum assured is paid either on maturity or on death during the policy term.
  • This is a fixed term plan and policy is issued for 10 years.
Double Benefit Endowment Insurance Plan (05B)
This policy is for someone has a lump sum amount of money that he or she would like to put aside and watch it grow. In this policy, you pay the full premium once and get one and half time the amount of Sum Assured after seven years. In case of earlier death during the term of policy, your nominees will get double the sum assured. This will help you ensure the financial security for yourself as well as your family in case you are not around to support them.
Key Features
  • A single premium equal to Sum Assured to be paid as at the commencement of the policy.
  • Maturity Value of the Policy is one and half times whereas double the amount of Sum assured is paid on death during the policy term.
  • This is a fixed term plan and policy is issued for 7 years.
Education Expense Insurance Plan - 06
With the ever-increasing education expenses in the present situation, the main objective of this policy is to provide support for your child’s proper education. Under this policy, you can be well prepared for your child’s future higher education expenses by paying a variable amount of money on regular basis for fixed term. Upon maturity of the policy or in the event of the unfortunate event of your death, this money will be paid to your child as annual stipend paid quarterly to cover his or her education expense. Even better, the amount of stipend paid annually increases at 7% compound rate to keep up with the increasing educational cost.
Key Features
  • The principle objective of this plan is to cover child’s educational expense.
  • Under this policy both Premium Payer and the named child will be insured
  • In the event unfortunate death of the premium payer, the insured child will get “Education Aid Allowance” equivalent to first year’s stipend in every year till the maturity.
Tri-Dimensional Insurance Plan (07)
This Insurance Scheme was designed to provide support to the high cost of treatment of major disease. It will provide much needed financial security to family in case of unfortunate loss of life or at the maturity. However, in case of several major diseases, this policy will also support you financially to cover the cost of treatment. And the good thing is with a very small additional premium you can also include your spouse under this policy.
Key Features
  • The principle objective of this plan is to provide financial support in case of death as well as several major dieses.
  • During the policy term if the policy holder is diagnosed with one of several major diseases, 50% of the Sum Assured will be paid instantly.
  • Moreover, in case of any major disease claim, subsequent premium will be reduced to 50% of the initial premium.
Tri-Dimensional Insurance Plan (07A)
This insurance scheme is similar to ‘Tri-Dimensional Insurance Plan (07)’ with longer policy term option. If you want to avail all the exclusive benefits of 07 Scheme but at from an earlier age this is the Policy Scheme for you. Under this policy, you can be covered from the age of 18 until you reach 60. That’s a whopping 42 years of risk coverage.
Key Features
  • The principle objective of this plan is to provide financial support in case of death as well as several major dieses.
  • During the policy term if the policy holder is diagnosed with one of several major diseases, 50% of the Sum Assured will be paid instantly.
  • Moreover, in case of any major disease claim, subsequent premium will be reduced to 50% of the initial premium.
Child Protection Plan - 11
Today’s child is tomorrow’s responsible citizen. The principle objective is to provide future for a child by ensuring his or her financial security. Under this policy, you can put aside a fixed amount of money for your child and this savings will ensure a bright future for him in turn.
Key Features
  • The principle objective of this plan is to ensure child’s future financial security.
  • Under this policy both Premium Payer and the named child will be insured.
  • In the event unfortunate death of the premium payer, the insured child will get 1% of sum assured as monthly stipend till the maturity.
Moving Term Insurance Plan (67)
The key attraction of this scheme is an open-ended policy. That means after completing the minimum term, the policy holder may continue the policy as long as he or she desires until the age of 65. Whenever the policy holder decides to complete the policy he or she will receive all the premium paid along with profit. If the policy holder dies while the policy is running, nominee will receive the all the paid premium plus sum assured. However, if the policy completion benefit is higher than the death benefit, Policy Completion Benefit will be paid.
Key Features
  • For Family = Premium Paid + Sum Assured
  • For Self = Premium Paid + Profit
Moving Term Insurance Plan (67)
The key attraction of this scheme is an open-ended policy. That means after completing the minimum term, the policy holder may continue the policy as long as he or she desires until the age of 65. Whenever the policy holder decides to complete the policy he or she will receive all the premium paid along with profit. If the policy holder dies while the policy is running, nominee will receive the all the paid premium plus sum assured. However, if the policy completion benefit is higher than the death benefit, Policy Completion Benefit will be paid.
Key Features
  • For Family = Premium Paid + Sum Assured
  • For Self = Premium Paid + Profit
Multiple Security Insurance Plan (14)
This insurance scheme covers financial needs in all sort of difficult times a person may face. Under this Policy, Sum Assured is calculated on unit basis. Coverage is provided for unfortunate event of death both normal & accidental as well physical disability caused by accident. Some major diseases are also covered under this policy.
Key Features
  • The main feature of this policy is to provide multidimensional risk coverage for lowest possible premium.
  • Premium has to be paid only once and risk will be covered for next five years
  • Different Level of Benefits are paid on the same unit based on the Claim Type
Advance Payment Endowment Insurance Plan (15)
The key feature of this scheme is you will only have to pay premium for the first half of the policy term and you will also get the maturity benefit at the end of the first half of the policy term. However, your life risk will be covered for the entire term of the policy and in case of unfortunate loss of life during the second half of the policy the beneficiaries will receive the full coverage amount as death benefit.
Key Features
  • Premium has to be paid only during the first half of the policy term.
  • Sum assured plus accrued bonus at the end of the first half of the policy term.
  • If the policy holder dies during the first half of the policy term, Sum assured plus accrued bonus till the date of death will be paid.
Endowment Plan with Guaranteed Profit (21)
This policy will give you guaranteed profit fixed at 4%. Sum Assured along with Accrued Bonus at 4% will be paid at maturity or in unfortunate loss of life.
Key Features
  • Wealth Creation through Bonus
  • Sum assured plus accrued bonus at 4% on maturity.
  • Valuable financial protection for your family in case you are not around
Amulya Jeevan Term Insurance Plan – (58)
The main objective of Amulya Jeevan Term Insurance Plan is to ensure financial security for policy holder’s family in case of unfortunate loss of life. As the rate of the premium is very low anyone can avail the Risk Coverage at almost no cost.
Key Features
  • The rate of premium is very low.
  • Full Sum Assured is paid on death at any time during the term of the policy.
  • Flexible Payment Option.
Money Back Term Insurance Plan – without Profit (57A)
The main objective of Money Back Term Insurance Plan is to provide much needed emergency financial support to the policy holder’s family in case of unfortunate loss of life. The rate of the premium is very low compared to other endowment schemes as savings is not a main considerable factor here.
Key Features
  • The rate of premium is very low.
  • Full Sum Assured is paid on death at any time during the term of the policy.
  • Deposited Premium is refunded to the policy holder at maturity.
Money Back Progressive Term Insurance Plan - 59A
The main objective of Money Back Term Insurance Plan is to provide much needed emergency financial support to the policy holder’s family in case of unfortunate loss of life. The rate of the premium is very low compared to other endowment schemes as savings is not a main considerable factor here.
Key Features
  • The rate of premium is very low.
  • The Sum Assured is increased annually at 8% compound rate
  • Full Sum Assured is paid on death at any time during the term of the policy.
Money Back Term Insurance Plan – with 10% Guaranteed Profit (65A)
The main objective of Money Back Term Insurance Plan is to provide much needed emergency financial support to the policy holder’s family in case of unfortunate loss of life. The rate of the premium is very low compared to other endowment schemes as savings is not a main considerable factor here.
Key Features
  • The rate of premium is very low.
  • Full Sum Assured is paid on death at any time during the term of the policy.
  • Deposited Premium plus 10% of Sum Assured is paid at maturity.
Money Back Term Insurance Plan – with 25% Guaranteed Profit (66A)
The main objective of Money Back Term Insurance Plan is to provide much needed emergency financial support to the policy holder’s family in case of unfortunate loss of life. The rate of the premium is very low compared to other endowment schemes as savings is not a main considerable factor here.
Key Features
  • The rate of premium is very low.
  • Full Sum Assured is paid on death at any time during the term of the policy.
  • Deposited Premium plus 25% of Sum Assured is paid at maturity.
Probaha (Pension) Bima – without Profit (72A)
After working all your life this policy gives you much needed financial support during post retirement. The policy holder can enjoy the benefit as monthly payment in the form of pension. The premium payment would be waived for the remaining term of the policy you become permanently disabled due to illness or accident during the term of the policy. If case of unfortunate loss of life before the commencement of pension payment, the nominee will get the full sum assured. If you die during the pension payment term, your nominated beneficiary will get the remaining amount of the Sum Assured. If you survive the pension payment term, you will keep getting the pension at usual rate until death
Key Features
  • The principle objective of this plan is to provide financial support for post-retirement life.
  • The sum assured will be equivalent to the ten times of the annual pension payable over ten year pension payment term.
  • Upon the survival of the policy holder at the end of the pension payment term, he or she will receive pension until death.
Probaha (Pension) Bima – without Life Risk 72B
After working all your life this policy gives you much needed financial support during post retirement. This policy is for those who actually are past the maximum age required to purchase a regular policy but are very inclined to get one for the financial security for him as well his loved ones. The policy holder can enjoy the benefit as monthly payment in the form of pension. If case of unfortunate loss of life before the commencement of pension payment, the nominee will get back the paid premium (except first year premium) till the date of death with 6% compound profit. If you die during the pension payment term, your nominated beneficiary will get the remaining amount of the Sum Assured. If you survive the pension payment term, you will keep getting the pension at usual rate until death.
Key Features
  • The principle objective of this plan is to provide financial support for post-retirement life.
  • These policies are designed for those who are past the maximum age limit for regular policy.
  • The sum assured will be equivalent to the ten times of the annual pension payable over ten year pension payment term.
Probaha (Pension) Bima – 72C
After working all your life this policy gives you much needed financial support during post retirement. This policy is for those young individuals who do not like to pay premium for extended period of time but still prefer to get the benefit of pension policy. The policy holder can enjoy the benefit as monthly payment in the form of pension. The premium payment would be waived for the remaining term of the policy you become permanently disabled due to illness or accident during the term of the policy. If case of unfortunate loss of life before the commencement of pension payment, the nominee will get the full sum assured. If you die during the pension payment term, your nominated beneficiary will get the remaining amount of the Sum Assured. If you survive the pension payment term, you will keep getting the pension at usual rate until death.
Key Features
  • The principle objective of this plan is to provide financial support for post-retirement life and the premium payment period is fixed at 20 years.
  • The sum assured will be equivalent to the ten times of the annual pension payable over ten year pension payment term.
  • Upon the survival of the policy holder at the end of the pension payment term, he or she will receive pension until death.
Increasing Probaha (Pension) Bima – 72D
This policy was designed keeping in mind the continuously increasing living expenses. That’s why the pension under this policy increases at 10% compound rate at every two years. The policy holder can enjoy the benefit as monthly payment in the form of pension. The premium payment would be waived for the remaining term of the policy you become permanently disabled due to illness or accident during the term of the policy. If case of unfortunate loss of life before the commencement of pension payment, the nominee will get the full sum assured. If you die during the pension payment term, your nominated beneficiary will get the remaining amount of the Sum Assured. If you survive the pension payment term, you will keep getting the pension at usual rate until death.
Key Features
  • The principle objective of this plan is to provide financial support for post-retirement life.
  • Pension is increased at 10% compound rate every two year to keep up with the ever increasing living expenses.
  • The sum assured will be equivalent to the ten times of the annual pension payable over ten year pension payment term.