IME Life Insurance Company Ltd. is a Nepali life insurer promoted by the IME Group, offering endowment, money-back, whole-life, child, term and foreign-employment plans nationwide.
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एटीएम
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Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (15)
IME Child Annual Money Back Plan (IME Bal Kiran)
बाल
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
32 yrs
वार्षिक प्रिमियम
Rs 35,730/yr
प्रिमियम अवधि
Regular/Single/Limited (5/8/10/12/15/20 yrs by term)
बोनस
Rs 30-60 per 1,000 sum assured/yr (Bal Kiran, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
परिपक्वता लाभ: [125% - (U-4) x 4%] of SA plus Vested Bonus at maturity
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Child Endowment Plan (IME Bal Ujjwal)
बाल
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
32 yrs
वार्षिक प्रिमियम
Rs 26,025/yr
प्रिमियम अवधि
Regular/Single/Limited (5/8/10/12/15/20 yrs)
बोनस
Rs 30-65 per 1,000 sum assured/yr (Bal Umang/child plans, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
परिपक्वता लाभ: Full Sum Assured plus Vested Bonus on child's survival to maturity
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Child Money Back Plan (IME Bal Umanga)
बाल
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
32 yrs
वार्षिक प्रिमियम
Rs 27,370/yr
प्रिमियम अवधि
Regular/Single/Limited (5-20 yr options by term)
बोनस
Rs 30-65 per 1,000 sum assured/yr (Bal Umang, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Premium Waiver BenefitIncome BenefitAccidental Death BenefitLump-Sum BenefitFuneral Expense
योजना विवरण
परिपक्वता लाभ: Final 20% of Sum Assured plus Bonus installment at maturity (5 installments total)
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Limited Payment Endowment Plan (IME Sabal Jeevan Beema Yojana)
एन्डोमेन्ट
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 67,225/yr
प्रिमियम अवधि
Limited (Single/2/3/4/5 years) for 10/15/20-yr terms
बोनस
Rs 32-70 per 1,000 sum assured/yr (endowment, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
परिपक्वता लाभ: Full Sum Assured plus Vested Bonus on survival to maturity
सरेन्डर: Surrender value acquired after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Simple Endowment Plan (IME Saral Sawadhik Bima Yojana)
एन्डोमेन्ट
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,175/yr
प्रिमियम अवधि
Regular (Yearly/Half-Yearly/Quarterly)
बोनस
Rs 32-70 per 1,000 sum assured/yr (endowment, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
परिपक्वता लाभ: Full Sum Assured plus Vested Bonus paid on survival to maturity
सरेन्डर: Surrender value acquired after minimum premiums paid; loan available thereafter
बहिष्करण: Standard suicide and non-disclosure exclusions within early policy period (not detailed on web page)
IME Foreign Employment Term Plan
वैदेशिक रोजगार
The Foreign Employment Term Life Policy is a compulsory, single-premium term life insurance that every Nepali going abroad for work must buy before the Department of Foreign Employment (DoFE) issues a labour permit / e-Sticker. It is sold only by Nepal Insurance Authority (NIA)-licensed life insurers (currently around 10 companies such as Nepal Life, IME Life, Citizen Life, SuryaJyoti and Reliable Life) under a government-standardised benefit structure. It pays a fixed sum assured of NPR 1,000,000 on death, plus add-ons for funeral expenses, body repatriation, loss of income, accidental disability, critical illness and emergency medical costs faced by the migrant worker during the contract period. The term is bought to match the employment contract (roughly 1 to 6.5 years, usually contract plus 6 months) and is renewed each time the worker's permit is renewed.
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–6 yrs
प्रवेश उमेर
18–64 yrs
वार्षिक प्रिमियम
Rs 1,486/yr
प्रिमियम अवधि
Single (per term)
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term, 20-yr pay, yearly, standard occupation, no riders. Live IME calculator API; tableRate 48.35/1000 gross, effective 46.35/1000 after 2/1000 SA rebate
The Foreign Employment Term Life Policy is a compulsory, single-premium term life insurance that every Nepali going abroad for work must buy before the Department of Foreign Employment (DoFE) issues a labour permit / e-Sticker. It is sold only by Nepal Insurance Authority (NIA)-licensed life insurers (currently around 10 companies such as Nepal Life, IME Life, Citizen Life, SuryaJyoti and Reliable Life) under a government-standardised benefit structure. It pays a fixed sum assured of NPR 1,000,000 on death, plus add-ons for funeral expenses, body repatriation, loss of income, accidental disability, critical illness and emergency medical costs faced by the migrant worker during the contract period. The term is bought to match the employment contract (roughly 1 to 6.5 years, usually contract plus 6 months) and is renewed each time the worker's permit is renewed.
परिपक्वता लाभ: Not applicable (pure protection term plan)
सरेन्डर: Not applicable
बहिष्करण: War, self-inflicted injury and pre-existing conditions typical of foreign-employment cover (not detailed on web page)
IME Micro Term (One Year)
लघु
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–64 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 1,315/yr
प्रिमियम अवधि
Single (renewable yearly)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
योजना विवरण
परिपक्वता लाभ: Nil on survival to maturity
सरेन्डर: Not mentioned
बहिष्करण: Suicide within first year and standard non-disclosure exclusions (not detailed on web page)
IME Dhanbardhan Money Back Plan
मनी-ब्याक
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–25 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 31,465/yr
प्रिमियम अवधि
Regular (Yearly/Half-Yearly/Quarterly)
बोनस
Rs 22-63 per 1,000 sum assured/yr (advance/money-back plans, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Critical IllnessAccidental Death BenefitPremium WaiverIncome BenefitFuneral Expenses
योजना विवरण
परिपक्वता लाभ: Final installment (40-50% SA) plus vested bonus at maturity after periodic survival payouts
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Dhan Sarita Plus Jeevan Beema Yojana
मनी-ब्याक
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 47,025/yr
प्रिमियम अवधि
Regular/Single/Limited (5/10/12/15 yrs by term)
बोनस
Rs 22 per 1,000 sum assured/yr (fixed, Dhan Sarita, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Critical Illness (max Rs 5,000,000 or basic SA)Income Benefit (1.0-3.0% monthly / 3.0-9.0% quarterly)Funeral Expenses (25% SA or Rs 200,000)
योजना विवरण
परिपक्वता लाभ: Remaining Sum Assured (after annual 5% survival deductions) plus vested bonus
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)
मनी-ब्याक
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 39,480/yr
प्रिमियम अवधि
Limited (8/12/16/20 yrs for 10/15/20/25-yr terms) or Single
बोनस
Rs 22-63 per 1,000 sum assured/yr (money-back plans, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
परिपक्वता लाभ: Final money-back installment (40-50% SA) plus vested bonus, after which paid-up term continues to maturity
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Best Term (Individual Term)
टर्म
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 1,315/yr
प्रिमियम अवधि
Regular/Single/Limited (2-20 yrs by term)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Critical Illness (max Rs 5,000,000)
योजना विवरण
परिपक्वता लाभ: Not applicable (pure term)
सरेन्डर: Not applicable
बहिष्करण: Suicide within first year and standard non-disclosure exclusions (not detailed on web page)
IME Credit Term Insurance
टर्म
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–15 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 1,315/yr
प्रिमियम अवधि
Regular (Yearly)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Funeral Expense (40% SA, max Rs 50,000)Accidental Death (100% SA, max Rs 20,00,000)Accidental Total Permanent Disability (100% SA, max Rs 20,00,000)Accidental Partial Permanent Disability (50% SA, max Rs 10,00,000)
योजना विवरण
परिपक्वता लाभ: Not applicable
सरेन्डर: Not applicable
बहिष्करण: Suicide within first year and standard non-disclosure exclusions (not detailed on web page)
IME Surakshya Myadi (Term)
टर्म
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–30 yrs
प्रवेश उमेर
18–75 yrs
परिपक्वता उमेर
76 yrs
वार्षिक प्रिमियम
Rs 27,370/yr
प्रिमियम अवधि
Yearly (representative child quote)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Funeral Expense (40% SA, max Rs 50,000)Accidental Death (100% SA, max Rs 25,00,000)Accidental Total Permanent Disability (100% SA, max Rs 25,00,000)Accidental Partial Permanent Disability (50% SA, max Rs 12,50,000)
योजना विवरण
परिपक्वता लाभ: Not applicable
सरेन्डर: Not applicable
बहिष्करण: Suicide within first year and standard non-disclosure exclusions (not detailed on web page)
IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)
होल लाइफ
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 29,455/yr
प्रिमियम अवधि
Regular (Yearly/Half-Yearly/Quarterly)
बोनस
Rs 32-80 per 1,000 sum assured/yr (whole life, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Accidental Death BenefitIncome Benefit (1.0-3.0% monthly/quarterly)Lump-Sum DisabilityPremium WaiverFuneral Expenses (25% SA or Rs 200,000)Critical Illness (max Rs 5,000,000)
योजना विवरण
परिपक्वता लाभ: Full Sum Assured plus Vested Bonus at maturity; coverage continues to age 100
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
IME Money Back cum Whole Life Plan (IME Kalpadhan)
होल लाइफ
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 36,790/yr
प्रिमियम अवधि
Single or Limited (10/12/15/20/25 yrs)
बोनस
Rs 32-63 per 1,000 sum assured/yr (Kalpadhan, FY 2080/81)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.
राइडर: Critical Illness (max Rs 5,000,000 or basic SA, 21 conditions)Funeral Expenses (25% SA or Rs 200,000)Accidental Death BenefitPremium WaiverIncome Benefit
योजना विवरण
परिपक्वता लाभ: Final money-back installment (40-50% SA) plus vested bonus; whole-life coverage continues
सरेन्डर: Surrender value after minimum premiums; loan available thereafter
बहिष्करण: Standard suicide/non-disclosure exclusions (not detailed on web page)
About IME Life
IME Life Insurance Company Limited was incorporated on 1 October 2008 (2065 B.S.) and commenced insurance operations on 17 August 2017, promoted by the IME Group, one of Nepal's largest remittance and financial-services conglomerates. Promoters hold 70% of the NPR 5 billion paid-up capital with the general public holding the remaining 30%; authorized capital is NPR 6 billion. The company distributes through agency, corporate agency, bancassurance and direct sales channels and leverages the IME Group's network of 6,000-plus IME Centers and local remittance agents across Nepal. It is listed on NEPSE under the symbol ILI.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
