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.
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 and above | 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 32–63/ 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
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What's included
Key highlights
- Lifetime protection (up to age 100)
- Minimum Sum assured NPR 100,000
- Endowment + Whole Life (with vested bonuses)
- Multiple Optional riders available
Features
- Lifetime cover up to age 100
- Minimum sum assured NPR 100,000
- Policy term 5–52 years
- Loan facility after surrender value is available
- Tax benefits
- Optional riders: Accidental death, Income benefit, Premium waiver, Critical illness, etc.
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
Questions about this plan
What kind of plan is IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)?
IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana) from IME Life Insurance is a whole life plan that covers the insured for life rather than a set number of years, and suits people who want to leave money behind for their family.
Who can buy IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)?
The entry age for IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana) is 18 – 65 years.
How long does IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana) run?
The policy term for IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana) is Min 5 years - Max 52 years.
What bonus rate does IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana) earn?
For FY 2081/82, IME Life Insurance declared Rs 22–80 / 1,000 of sum assured on IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana). Bonus rates are set each year and are not guaranteed.
Which riders can be added to IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)?
IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana) 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