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iCARUS GROUP

JIBAN BIMA CORPORATION

Schemes available
Serial No Schemes
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 Anticipated Endowment Insurance With Profit Plan-05 Anticipated Endowment Insurance Without Profit Plan-25 Child Endowment Insurance Without Profit Plan-47 Child Protection Policy With Profits Plan-09 Double Protection Insurance With Profit Plan-10 Endowment Assurance With Profit Plan-03 Endowment Assurance Without Profit Plan-23 Grameen Jiban Bima With Profit Plan-91 Granted Bonus Endowment Insurance Plan-48 Group Endowment Assurance Group Term Insurance Joint Life Endowment Insurance With Profit Plan-08 Marriage Endowment Policy Plan-07 Money Back Term Insurance Policy Plan-50 (Without Profit) Multiple Payment Policy With Profit Plan-06 Pension Policy Plan-12 Progressive Premium Policy With ProfitPlan-04 Single Premium with Profit Plan-17 Swanirber Bima (Single Premium Policy) Plan-52 Term Insurance Without Profit Plan-51 Whole Life Assurance With Profits Plan-01 Whole Life Assurance Without Profits Plan-21 Overseas Assurance Plan With Profit Mortgrage Protection Policy Without Profit Monthly Saving Scheme With Profit Monthly Saving Scheme Without Profit Triple Protection Policy

Anticipated Endowment Insurance With Profit

Anticipated Endowment Insurance With Profit Feature: Policies issued for 12, 15, 18, 21, 24 and 30 years term. Paid-up and surrender Value:

Paid-up and surrender value are also available under this plan.

Survival Benefits:

25% of sum assured (without bonuses) is available at the end of period equal to one third of the policy term.

25% of sum assured (without bonuses) is available of the end of a period equal to two-third of the policy term and Final payment of 50% of the sum assured (with full bonuses in case of with profit) at the end of the term.

Death Benefits: Full sum Assured +Acquired Bonuses (In case of with profit policies).

Plan Parameter

Minimum Entry Age(year) Sum Assured(Taka) Term(Year) 20 1000 12

Maximum 50 No limit 30

Mode of payment Monthly, Quarterly, Halfyearly, Yearly

Maximum Maturity Age Policy Loan Available 70 Yes

Child Endowment Insurance Without Profit

Feature

1. Sum assured is payable on maturity of the policy.

2. On death, total premium paid is refunded to the assured with 2% simple interest. 3. No surrender value and policy loan are available under this plan.

Survival Benefits: The Sum Assured is payable on maturity. Death benefits

1. Policyholder premium ceases.

2. Full sum assured is paid at the expiry of the selected term to the child nominated in the policy.

Plan Parameter
Min Entry Age(years)
Sum Assured(Taka) Term(Year)

Max 50
No Limit 21

25
1000 10

Mode of Payment Yearly, Half-yearly, quarterly, Monthly

Maximum Maturity Age 60 years

Policy loan and surrender value Not available

Child Protection Policy With Profits Plan

Features:
Polices under this plan are issued jointly on the life of a child and the payer. Mature at the age 18 to 25 of the child while the minimum age at entry of the child is six months with maximum of 17 years.

Maximum maturity age of child is 25 years minimum 18 years.

Survival Benefits: The sum assured with bonuses is payable on survival of the policy holder (Payer) and the child. Death benefits: If the payer dies before the maturity of the policy, the premium ceases and the child is paid as under.

Endowment Assurance With Profit/without Plan

Feature

Moderate Premiums
High liquidity Savings Oriented

Endowment assurance is the surest and the safest method of guaranteed cash provision either at a specified time or at death. Policy under this plan acquires paid-up value, loan and surrender value after premium has been paid for two/three consecutive years.

Benefits: Survival benefits: Full sum assured + acquired bonuses (in case of with profit). Death benefits: Full sum assured + acquired bonuses (in case of with profit).

Grameen Jiban Bima With Profit Plan

This plan is ideal for farmers, workers.
Policy under this plan acquires paid-up loan and surrender values after premium has been paid for two/three consecutive years. Benefits: Maturity Benefits: Sum Assured + Acquired bonuses. Death benefits: Sum Assured + Acquired bonuses.

Plan Parameter

Min Entry Age Sum assured Term(year) 20 1000 10

Max 40 10000 25

Mode of Payment

Max Maturity Age

Policy Loan Available

Yearly, Half yearly, quarterly, monthly

70 years

Yes

Individual Pension Policy Plan

Pension scheme has been designed to keep the financial certainty in retired life. Benefits: Survival Benefits: Monthly pension is payable for a guaranteed period of 10 years and for life thereafter. At the time of retirement if Policyholder desires 50% of monthly pension may be commuted for an immediate cash payment. Death benefits: If death occurs before retirement/maturity 15 times of one annual premium or all premiums paid except 1st year premium are refundable with 7% simple interest per annum which ever is greater.

Plan Parameter

Min Entry Age Monthly Pension(Taka) 20 1000

Max 50 30000 for professional person and 50000 for business man 40

Term(years)

10

Mode of payment Yearly, half-yearly

Maximum Maturity Age Policy loan available 60 years yes

Joint Life Endowment Insurance With Profit

Feature: Issued on lives of two persons and simultaneously cover the risk on the lives of both the persons for the same sum assured. Benefits: Survival Benefits: Sum assured + Accrued Bonuses. Death benefits: Sum assured + Accrued Bonuses.

Plan Parameter

Min Entry Age Sum Assured Term(year) 20 10000 10

Max 50 for male 40 for female No limit 35

Mode of payment Yearly, half-yearly, quarterly, monthly

Maximum maturity age 70

Policy Loan Available Yes

Money Back Term Insurance Policy Plan

Feature: This is a comprehensive term insurance plan providing for death cover during a specified term with a provision for refunding the premium paid in case of survival at the end of the term.
The

policy will not acquire a paid-up value. value is also available after payment of 6 years premium.

Surrender

Survival Benefits: Refund of the total premium paid (excluding extra premium if any) on survival at the end of the term. Death benefits: Sum assured

Plan Parameter

Min Entry Age Sum assured 20 50000

Max 45 500000

Term(year)

10

20

Mode of Payment

Maximum Maturity Age Policy Loan available

Yearly

60 years

Yes

Marriage Endowment Policy Plan

Provision under this scheme either for the marriage or educational expense in particular or any other requirement of the policyholder's children. Premium under this plan is considerable low. Under this plan the policy matured only at the end of the selected term. Maturity Benefits: Basic Sum assured along with acquired bonuses would be payable to the selected children surviving till the end of the term. Death benefits: If the life assured dies before selected term full sum assured + bonuses is payable at the end of the selected term of the policy to the selected child.

Plan Parameter

Min Entry Age Sum Assured Term(year) 20 No limit 5

Max 50 No limit 20

Mode of payment

Maximum Maturity Age Loan Policy available

Yearly, half-yearly, Quarterly, Monthly scheme

65 years

Yes

Single Premium With Profits Plan

Features: Under this plan a single premium is paid against each Tk.1000.00 Sum Assured for the desired term of the policy ranging from 5 years to 40 years term. The policy matures either at the end of the selected term or at death if it occurs earlier. Under this plan there is no doubt that one has to pay much more than usual Endowment plan, but the advantage is that the very first payment of premium guarantees the desired security. Surrender value under this plan can be quoted on request.

Maturity benefits:
Sum Assured + Acquired Bonuses Death benefits:

Sum Assured + Acquired Bonuses

Entry Age Sum Assured Term(Year)

20 1000 65 years

50 No limit Yes

Mode of payment Single Premium

Max Maturity Age 65 years

Policy Loan Available Yes

Group Insurance
Features: It covers a group of individuals who are associated together through some common features such as the employees of a company, a group of professional people etc. Two types of group insurance are available. i. Group Term Insurance ii. Group Endowment Assurance

Group Term Insurance:Group Term Insurance provides for payment of assured money in case of death of any employee during the term of the policy. There is no maturity benefit.

Benefits: Survival Benefits: No survival benefit is available. Death benefits: Sum Assured

Plan Parameter

Min Entry Age

Group Sum Assured Term(year)

Max 25
No limit 50 times of basic salary 5

20
50 10 times of basic salary 1

Mode of Patment Yearly

Max. Maturity Age 60

Policy Loan Available No

Group Endowment Assurance: Group Endowment Assurance provides for payment of insured money at the expiry of the policy term or at earlier death. Three types of Group Endowment Assurance: a. Group Endowment Assurance-with profit and also without profit. b. Group Variable Endowment Assurance:25% Survival Benefit and 100% Death Benefit

50% Survival Benefit and 100% Death Benefit. c. Group Endowment Assurance with refund of premium:50% refund of premium 75% refund of premium 100% refund of premium.

Benefits:

Survival Benefits:
a. Group Endowment: - Sum Assured + Bonuses (in case of with profit policy) b. Group Variable Endowment: -25% of Sum Assured +Bonuses (in case of with profit policy)

50% of Sum Assured +Bonuses (in case of with profit policy) c. Group Endowment Assurance with refund of premium50% refund of premium paid 75% refund of premium paid 100% refund of premium paid Death benefits:

Sum assured + Bonuses (in case of with profit policy) for all type of Policies.

Plan Parameter

Min

Max

Entry Age
Group(Number) Sum Assured Term(Year)

20
10 10 times of basic salary 60 years

58
No limit 50 times of basic salary No

Mode of payment Yearly

Minimum Maturity Age 60 years

Policy Loan Available No