IME Money Back Cum Whole Life Plan (IME Kalpadhan)
Money-backPopular
Sum assured
Rs 50,000
Premium / yr
On request
Term
10–25 yrs
Entry age
18–60
About this plan
A combined money-back and whole life insurance plan that provides periodic survival (money-back) benefits during the policy term and whole-life coverage. Death benefit pays full sum assured plus vested bonus; survival benefits are paid as predefined percentages of sum assured.
What's included
Key highlights
- Money-back + whole-life combined plan
- Premium paying terms: Single and multiple-term options
- Whole-life benefits (maturity up to age 100)
Features
- Minimum sum assured NPR 50,000
- Money-back survival benefits at predefined intervals (terms: 10/12/15/20/25 years)
- Whole-life coverage
- Death benefit: Full Sum Assured + vested bonus
- Post-maturity death pays full Sum Assured without deducting survival benefits already paid
- Optional riders: Accidental Death, Income Benefit, Premium Waiver, Critical Illness, etc.
- Tax benefits
Eligibility & term
- Entry age
- 18 – 60 years
- Policy term
- 10, 12, 15, 20, 25 years (with whole-life coverage)
Declared bonus
Rs 22–80 / 1,000
FY 2080/81
Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.
Optional riders
Accidental death (ADB)PTD / PWBCritical illness (CI)
Other plans from IME Life Insurance
Premium
Quote on request