IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. 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.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 32 | Rs 32 |
| 10-14 | Rs 32 | Rs 32 |
| 15-19 | Rs 45 | Rs 45 |
| 20-24 | Rs 55 | Rs 55 |
| 25-29 | Rs 65 | Rs 65 |
| 30+ | Rs 80 | Rs 80 |
Recent years
- FY 2081/82
- Rs 32–80/ 1,000
- FY 2080/81
- Rs 32–80/ 1,000
- FY 2079/80
- Rs 32–80/ 1,000
- FY 2078/79
- Rs 32–70/ 1,000
- FY 2077/78
- Rs 30–70/ 1,000
Source: आईएमई लाइफ इन्स्योरेन्स declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- आजीवन सुरक्षा (१०० वर्षसम्म)
- न्यूनतम बीमांक रु.100,000
- आजीवन र सावधिक योजना (वेस्टेड बोनस सहित)
- राइडर विकल्पहरू उपलब्ध
Features
- आजीवन सुरक्षा (१०० वर्षसम्म कवरेज)
- न्यूनतम बीमांक रु. 100,000
- प्रवेश उमेर 18-65 वर्ष
- ऋण सुविधा (सरेन्डर भ्याल्यु आएपछि)
- कर लाभ
- वैकल्पिक राइडरहरू: आकस्मिक मृत्यु, आय लाभ, प्रिमियम वेभर, क्रिटिकल इल्यनेस आदि
Terms and conditions
- 1.On Death of Policyholder during the policy term, Full Sum Assured Plus Vested Bonus, if any, will be paid to nominee/beneficiary.
- 2.On Survival till Maturity, Full Sum Assured Plus Vested Bonus, if any, will be paid to Policy holder.
- 3.On Death of Policyholder post Maturity, Full Sum Assured will be paid to nominee/beneficiary.
- 4.On Survival to 100 years, Full Sum Assured will be paid to nominee/beneficiary.
- 5.Loan Facility: After the policy acquires Surrender Value.
- 6.Tax Benefits.
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the sum assured plus the bonus built up to that date, whenever the claim arises — there is no end date on the cover.
Typical for whole life plans — confirm the exact terms in the brochure.
After the premium-paying term ends
There is no maturity date. Once the premium-paying term ends, no further premiums are due and the cover stays in force for the rest of the insured's life.
Typical for whole life plans — confirm the exact terms in the brochure.
If death is caused by an accident
With the accidental death rider, an additional amount is paid on top of the sum assured. The rider is optional and carries its own premium.
Typical for whole life plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक राइडर
आय लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक आय लाभ
एकमुष्ट लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक एकमुष्ट लाभ
बीमाशुल्क छुट लाभ
स्थायी पूर्ण अशक्ततामा ऐच्छिक बीमाशुल्क छुट लाभ
अन्त्येष्टि खर्च लाभ
ऐच्छिक अन्त्येष्टि खर्च लाभ
घातक रोग लाभ
ऐच्छिक घातक रोग राइडर
Accidental Death Benefit
Optional rider
Income Benefit
Optional income benefit on permanent total disability
Lump-Sum Benefit
Optional lump-sum benefit on permanent total disability
Premium Waiver Benefit
Optional premium waiver on permanent total disability
Funeral Expense Benefit
Optional funeral expense benefit
Critical Illness Benefit
Optional critical illness rider
Loan & liquidity
- Policy loan
- Available
- Loan facility
- Up to 90% of surrender value
Premium
Quote on request