Product Information

IME Child Annual Money Back Plan (IME Bal Kiran)

Having a child is a milestone in every parent’s life where the child becomes their little bundle of joy. When it comes to the child’s education, you cannot ignore the costs. That is why you need to plan ahead and create a corpus for your child’s education, whether primary, secondary or higher studies. IME Child Annual Money Back Plan is a combination of insurance and investment plan to help you secure your child’s future. This is an annual money back policy with profit plan. Under this plan, risk of parents as well as child will be covered as proposer and assured respectively. This policy pays out benefits in case of death of child, survival of child, death and disability of proposer. Investing in a child education plan will make you financially ready to support your child’s dreams even when you are not around. So, you can be assured of your child’s future and enjoy present moments with them without worrying.

IME Child Endowment Plan (IME Bal Ujjwal)

IME Child Endowment Plan is specifically designed to ensure a financially secure future for children and help them achieve the major milestones of life. Moreover, along with the benefit of financial security, the IME Child Endowment Plan also offers life protection to the child and parent in case of any eventuality. This policy also allows to make provision for Children's Education or Marriage. Under this policy Sum Assured along with bonus is payable only at the end of the selected term. In the event of unfortunate death or Permanent and Total Disablement due to accident or sickness of the Proposer; Proposer can secure the benefit of a Lump-sum amount, Waiver of future premium, Monthly Education/Income benefit to Child as well as Funeral Expenses. Risk Commencement Date: Risk of the Life Assured (Child) will commence either 2 years after the date of commencement of the policy or upon completion of 6 years from the date of birth of child whichever takes place later. If the age at entry of the Life Assured (Child) is 15, the risk commencement date will be 1 year after the date of commencement of the policy.

IME Child Money Back Plan (IME Bal Umanga)

IME Child Money Back Plan a plan that caters to marriage, education, and other needs of growing kids via Survival Benefits. The IME Child Money Back Plan is the best suited policy for under graduate education needs of children. Under this policy, a Survival to Maturity benefit is paid in latest 5 installments starts from 4th Anniversary prior to Date of Maturity. The portion of each installment shall be 20% of Sum Assured and Bonus will be added in final installment. In the event of unfortunate death or Permanent and Total Disablement due to accident or sickness of the Proposer; Proposer can secure the benefit of a Lump-sum amount, Waiver of future premium, Monthly Education/Income benefit to Child as well as Funeral Expenses. Risk Commencement Date: Risk of the Life Assured (Child) will commence either 2 years after the date of commencement of the policy or upon completion of 6 years from the date of birth of child whichever takes place later. If the age at entry of the Life Assured (Child) is 15, the risk commencement date will be 1 year after the date of commencement of the policy.

IME Dhanbardhan Money Back Plan

This policy allows to make provision for recurring expenses. Under this policy, a Survival to Maturity benefit is paid in installments in every 5th, 10th 15th 20th and 25th year depending on the term of the policy. The portion of each installment shall be 20%, 30%, 40% and 50% of Sum Assured also depending on the term of the policy. And Bonus will be added in final installment. In the event of unfortunate death or Permanent and Total Disablement due to accident of the Proposer; Proposer can secure the benefit of Waiver of future premium and Monthly Education/Income benefit to Child.

IME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)

IME Aajeevan Sawadhik Beema Yojana is one of the best products. Basically this plan is a unique combination of Whole Life Plan and Endowment Assurance Plan. It provides financial protection against death throughout the lifetime or 99 years of age of the life assured even after maturity payment.

IME Limited Payment Endowment Plan (IME Sabal Jeevan Beema Yojana)

IME Sabal Jeevan Beema Yojana is one of the best products. Basically this plan facilitates the payment term thrice or five times depending on the policy term. It provides financial protection throughout the term period without having the necessity of paying installment every year.

IME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)

This Policy allows to make provision for recurring expenses. Under this policy, a survival to maturity benefit is paid in installments in every 10th, 15th, 20th and 25th year depending on the term of the policy. The portion of each installment shall be paid on 8, 12, 16, and 20 years respectively of the sum assured depending on the term of the policy.

IME Money Back Cum Whole Life Plan (IME Kalpandhan)

This plan covers the risk of life assured for whole life. This product provides the partial payment in certain time interval to life assured and the bonus at the end of the term and after demise of life assured the nominee gets the benefits of Sum Assured. Under this policy, a survival to maturity benefit is paid in installments as given below table depending on term of the policy can be taken for 10th, 12th, 15th, 20th and 25th years.

IME Simple Endowment Plan ( IME Saral Sawadhik Bima Yojana)

It is the most popular form of life assurance since it makes provision for the family of the assured in the event of early death, as also assures a lump sum amount at a desired age. The amount assured, if not paid by reason of earlier death becomes payable at the end of the policy term. Premiums are payable for a term of years equal to the endowment term or until death if it occurs within this period. If payment of premiums is discontinued after at least two years premiums have been paid, a paid up policy for an amount bearing the same proportion to the sum assured as the number of premiums actually paid bears to the number stipulated for in the policy, will be automatically secured. Such reduced paid up policy will not be entitled to participate in the profits declared thereafter.

IME Annual Cash Back Plan(5%)

Annual Money Back Plan is participating anticipated endowment plan. This plan is especially for those who wants the annual return back money in yearly basis. In this case 5% of Sum Assured will be provided to Policy holder every year at time of renewal..

IME Annual Cash Back Plan(6%)

Annual Money Back Plan is participating anticipated endowment plan. This plan is especially for those who wants the annual return back money in yearly basis. In this case 6% of Sum Assured will be provided to Policy holder every year at time of renewal.

IME Annual Cash Back Plan(7%)

Annual Money Back Plan is participating anticipated endowment plan. This plan is especially for those who wants the annual return back money in yearly basis. In this case 7% of Sum Assured will be provided to Policy holder every year at time of renewal.

IME Group Endowment Plan

IME Group Endowment Scheme is a unique saving and protection scheme through which the employees of an employer can enjoy insurance protection throughout their service and also get a lump sum cash amount upon their retirement if they survive up to retirement. Under this scheme each employee is provided insurance protection for an amount which may be flat or depends upon the designation or salary of the employee. The amount of insurance along with the vested bonus is payable on maturity or death whichever occurs earlier. IME Group Endowment policy is a type of life insurance policy, which provides the combined benefit of insurance coverage and savings. Endowment plan helps the insured to save regularly over a particular time period in order to avail a lump-sum amount at the maturity of the policy. The maturity amount is paid in case the insured survives the entire tenure of the policy.