IME Money Back Cum Whole Life Plan (IME Kalpadhan)
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 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.
Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-9 | Rs 0 | Rs 0 |
| 10-14 | Rs 32 | Rs 32 |
| 15-19 | Rs 38 | Rs 38 |
| 20-24 | Rs 50 | Rs 50 |
| 25-29 | Rs 63 | Rs 63 |
Recent years
- FY 2081/82
- Rs 0–63/ 1,000
- FY 2080/81
- Rs 0–63/ 1,000
- FY 2079/80
- Rs 32–63/ 1,000
- FY 2078/79
- Rs 32–70/ 1,000
- FY 2077/78
- Rs 30–70/ 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
—
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
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.
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 money-back plans — confirm the exact terms in the brochure.
Optional riders
Questions about this plan
What kind of plan is IME Money Back Cum Whole Life Plan (IME Kalpadhan)?
IME Money Back Cum Whole Life Plan (IME Kalpadhan) 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 Money Back Cum Whole Life Plan (IME Kalpadhan)?
The entry age for IME Money Back Cum Whole Life Plan (IME Kalpadhan) is 18 – 60 years.
How long does IME Money Back Cum Whole Life Plan (IME Kalpadhan) run?
The policy term for IME Money Back Cum Whole Life Plan (IME Kalpadhan) is 10, 12, 15, 20, 25 years (with whole-life coverage).
What bonus rate does IME Money Back Cum Whole Life Plan (IME Kalpadhan) earn?
For FY 2081/82, IME Life Insurance declared Rs 22–80 / 1,000 of sum assured on IME Money Back Cum Whole Life Plan (IME Kalpadhan). Bonus rates are set each year and are not guaranteed.
Which riders can be added to IME Money Back Cum Whole Life Plan (IME Kalpadhan)?
IME Money Back Cum Whole Life Plan (IME Kalpadhan) can be taken with the following optional riders: Accidental death (ADB), PTD / PWB, Critical illness (CI). Each rider carries its own premium.
Premium
Quote on request