IME Child Annual Money Back Plan (IME Bal Kiran)

A child-focused annual money-back life insurance plan offering regular, single or limited premium payment options. Provides annual money-back payments during the policy term, maturity benefit plus vested bonus, and includes compulsory benefits like premium waiver and income benefit.

• Minimum Sum Assured: NPR 100,000
• Annual money-back: 4% of SA payable each policy anniversary after completion of 4 years
• Maturity benefit: [125% of SA – (U–4)*4% of SA] + vested bonus
• Entry age (life assured/child): 0–17 years (age last birthday)
• Proposer entry age: 18–60 years (age nearest birthday)
• Policy term: 10–25 years
• Premium modes: Single, Yearly, Half-yearly, Quarterly; premium term options: regular, limited, single
• Risk commencement: 2 years after policy start or on child completing 6 years of age, whichever is later
• Compulsory benefits: Premium Waiver Benefit and Income Benefit
• Optional riders: Accidental Death Benefit, Lump-sum Benefit, Funeral Expense

• Periodic cashbacks to support child's education
• 4% money-back annually from year 4
• Generous maturity payout plus vested bonus
• Mandatory premium waiver and income benefit included