Best Term (Individual Term)

IME Best Term

I.M.E Best Term (Individual Term)

To cover high risk in low premium is the beauty of this product. With nominal premium this plan can provide good financial stability and complete protection of your loved ones in case of eventuality.


      • Minimum Face Amount/Basic Sum Assured: NRs.50,000/-

      • Maximum Face Amount/Basic Sum Assured: No Limit (Subject to Underwriting)

      • Minimum Entry Age: 18 Years

      • Maximum Entry Age: 60 Years

      • Maximum Maturity Age: 65 Years

      • Minimum Policy Term: 5 Year

      • Maximum Policy Term: 30 Years

      • Premium Payment Mode: Regular, Single and Limited Payment are available.

    Limited Payment as prescribed below:

    Policy Term Year Premium Payment Term
    5 2,3
    10 2,3,4,5,8
    15 2,3,4,5,12
    20 2,3,4,5,16
    25 20



        • Death Benefits:

      On Death of the Policy holder during the policy term but after commencement of Risk, Full Sum Assured will be paid to the nominee/beneficiary.

      On Death of the Policy holder during the policy term but before commencement of Risk, all the premiums received for basic insurance policy excluding rider premiums and extra premiums, will be refunded to the nominee/beneficiary.


          • Maturity Benefit:

        Not Applicable.

        Loan Facility: Not Applicable

        Additional Rider Benefits


            1. Accidental Death Benefit (ADB): On Death of the Life Assured due to accident within the policy term before age 70 years, additional sum equal to the Rider Sum Assured under the policy will be paid to nominee/beneficiary.
            2. Accidental Total Permanent Disability (PTD): On Permanent Total Disability of life assured due to accident within the policy term before 70 years, an additional sum assured under the policy is paid in monthly installments spread over 10 years, Further, all the future premiums will be waived up to a limit of Rider Sum Assured.
            3. Critical Illness Rider:On life assured, being diagnosed with onset of any of the listed 21 Critical Illness during the term of policy a lump sum equal to the Sum Assured of the rider will be paid. Sum Assured of CI rider is maximum Rs. 5,000,000/- or Basic SA or as determined by Underwriting Guidelines.



          *Terms and Conditions apply

          The benefits and coverage provided under this plan are determined by the terms and conditions outlined in the policy and rider documents. In the event of any dispute arising under this policy, resolution will be in accordance with the provisions of the Insurance Act of 2079.