Life Insurance

IME Credit Term (Karja Myadi Jeevan Beema)

by IME Life Insurance

कम प्रिमियम

न्यूनतम बीमासीमा

रु.10,000

अधिकतम बीमासीमा

रु.2,000,000

बीमा अवधि

1-15 वर्ष

Premium

रु. 1,000 रु./वर्ष

NPR/yr

Coverage

रु. 10,000 रु.

2000000

Description

Affordable credit-term life insurance designed to provide maximum risk cover with minimal premiums. No maturity benefit; full sum assured paid on death during policy term. Optional riders available.

Features

Designed for maximum risk cover with minimal premiums
Minimum sum assured NPR 10,000; Maximum NPR 2,000,000
Full sum assured payable on death during policy term
No maturity benefit
Premium payment mode: Yearly
Optional riders: Funeral expense, Accidental death, Accidental total/partial permanent disability

Highlights

Low-premium credit-term cover
Flexible term: 1–15 years
Yearly premium mode

Life Insurance Details

Available Riders

Funeral Expense Rider- On death of the life assured during the term of the policy, up to 40% of the base Sum Assured subject to maximum of NPR 50,000 is payable as funeral expense.

Accidental Death Benefit Rider-On death of the life assured due to accident during the policy term an additional Sum Assured up to 100% of the base plan Sum Assured as opted by the life assured is payable subject to maximum of NPR 20,00,000.

Accidental Total Permanent Disability Benefit Rider-Rider Sum Assured up to 100% of base plan Sum Assured as opted by the life assured subject to the maximum of NPR 20,00,000 will be payable to the policyholder on Total Permanent Disability resulting from accident.

Accidental Partial Permanent Disability Rider-Rider Sum Assured up to 50% of base plan Sum Assured subject to the maximum of NPR 10,00,000 will be payable to the life assured on Partial Permanent disability resulting from accident of the life assured.

Endowment Maturity Calculator

See what your investment would be worth today if started 20 years ago with this plan.

Select Yearly Premium / वार्षिक प्रिमियम छान्नुहोस्

Total Premium Paid (20 yrs)

रु. 3 लाख

कुल प्रिमियम भुक्तानी

Sum Assured

रु. 1.5 लाख

बीमाङ्क

Accumulated Bonus (20 yrs @ Rs. 51 per 1,000 SA)

+ रु. 1.5 लाख

संचित बोनस (FY 2079/80)

Estimated Maturity Value / अनुमानित परिपक्वता रकम

1.0% return

रु. 3.0 लाख

= Sum Assured (रु. 1.5 लाख) + Bonus (रु. 1.5 लाख)

* Projection based on bonus rate of FY 2079/80 (Rs. 22–80 per 1,000 SA). Actual returns may vary. Bonus rates are declared annually and are not guaranteed.

Eligibility

Age18 - 65 years

Policy Term1-15 years

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