IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)
Whole life
About this plan
IME Endowment Cum Whole Life Plan is a combined whole-life and endowment policy offering lifetime protection and an estate-planning vehicle. Coverage continues up to age 100 even after premium-paying term.
What's included
Key highlights
- Lifetime protection (up to age 100)
- Minimum Sum assured NPR 100,000
- Endowment + Whole Life (with vested bonuses)
- Multiple Optional riders available
Features
- Lifetime cover up to age 100
- Minimum sum assured NPR 100,000
- Policy term 5–52 years
- Loan facility after surrender value is available
- Tax benefits
- Optional riders: Accidental death, Income benefit, Premium waiver, Critical illness, etc.
Eligibility & term
- Entry age
- 18 – 65 years
- Policy term
- Min 5 years - Max 52 years
Declared bonus
Term-wise Breakdown
FY 2080/81
| Tenure (Years) | Rate (per '000) |
|---|---|
| 0-9 | Rs. 32 |
| 10-14 | Rs. 32 |
| 15-19 | Rs. 45 |
| 20-24 | Rs. 55 |
| 25-29 | Rs. 65 |
| 30 and above | Rs. 80 |
Reversionary bonus rates declared for the latest fiscal year based on policy term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
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Premium
Quote on request