IME Sabal Jeevan Beema Yojana (Limited Payment Endowment Plan)
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 Limited Payment Endowment Plan (Sabal) is a limited-premium endowment policy offering flexible premium payment terms. Death and maturity benefits pay Sum Assured plus vested bonuses. Loan facility, tax benefits and optional riders available.
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 40 | Rs 40 |
| 20-24 | Rs 52 | Rs 52 |
| 25-29 | Rs 67 | Rs 67 |
| 30+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 32–70/ 1,000
- FY 2080/81
- Rs 32–70/ 1,000
- FY 2079/80
- Rs 32–70/ 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
- लिमिटेड प्रिमियम विकल्पहरू (एकल समेत)
- मर्नु वा परिपक्वतामा बीमाङ्क + भेष्टेड बोनस
- विभिन्न वैकल्पिक राइडर उपलब्ध
Features
- न्यूनतम बीमा रकम रु.50,000
- मृत्युमा पूरा बीमाङ्क + भेष्टेड बोनस
- म्याच्युरिटीमा पूरा बीमाङ्क + भेष्टेड बोनस
- प्रिमियम भुक्तानी अवधि सीमित (limited payment) गर्ने विकल्प
- ऋण सुविधा (सरेण्डर भ्याल्यू प्राप्त भएपछि)
- विविध वैकल्पिक राइडर: आकस्मिक मृत्यु, आय लाभ, प्रिमियम वेभर, क्रिटिकल इलनेस 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 to Maturity Date: Full Sum Assured Plus Vested Bonus in the policy will be paid to Policy holder.
- 3.Loan Facility: After the policy acquires Surrender Value.
- 4. 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, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment 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 endowment plans — confirm the exact terms in the brochure.
Optional riders
दुर्घटना मृत्यु लाभ
ऐच्छिक दुर्घटना मृत्यु 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 accidental death 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