IME Limited Payment Money Back Plan (Dhanbriksha Jeewan 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. You also receive part of the cover amount at set points during the term, not only at the end. A limited premium payment money-back endowment plan providing periodic survival payouts at predefined years along with life cover. Pays death benefits during policy term, survival money-back instalments, offers loan against surrender value and tax benefits.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 10-14 | Rs 30 | Rs 30 |
| 15-19 | Rs 35 | Rs 35 |
| 20-24 | Rs 48 | Rs 48 |
| 25-29 | Rs 63 | Rs 63 |
Recent years
- FY 2081/82
- Rs 30–63/ 1,000
- FY 2080/81
- Rs 0–63/ 1,000
- FY 2079/80
- Rs 30–63/ 1,000
- FY 2078/79
- Rs 0–63/ 1,000
- FY 2077/78
- Rs 0–63/ 1,000
Source: IME Life Insurance declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
Maturity estimator
Estimated value at maturity
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What's included
Key highlights
- Periodic money-back payouts
- Flexible terms: 10/15/20/25 years
- CI rider up to NPR 5,000,000
- Loan facility & tax benefits
Features
- Minimum Sum Assured: NPR 50,000
- Money-back survival payouts at predefined years depending on term
- Death benefit: Single premium – 2.5× basic Sum assured; Regular premium – full Sum assured + vested bonus
- Loan facility available after policy acquires surrender value
- Tax benefits
- Optional riders (multiple options availiable)
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. Instalments already paid out along the way are not deducted from this amount.
Typical for money-back plans — confirm the exact terms in the brochure.
Along the way, while the policy is in force
A set share of the sum assured is paid at fixed points during the term. The schedule on this page shows when each instalment falls due.
Typical for money-back plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the balance of the sum assured plus the bonus built up to that date — the part not already paid as instalments.
Typical for money-back plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)?
IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana) from IME Life Insurance is a money-back plan that releases part of the sum assured at set points during the term instead of only at the end.
Who can buy IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)?
The entry age for IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana) is 18 – 60 years.
How long does IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana) run?
The policy term for IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana) is 10, 15, 20, 25 years.
What bonus rate does IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana) earn?
For FY 2081/82, IME Life Insurance declared Rs 22–80 / 1,000 of sum assured on IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana). Bonus rates are set each year and are not guaranteed.
Which riders can be added to IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)?
IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana) can be taken with the following optional riders: Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request