A long-established Nepali life insurer offering a wide range of endowment, money-back, term, micro, child and pension plans through a nationwide branch network.
132
Branches
—
ATMs
21
Products
Asar 2083
Effective
All policies & details (21)
Sunaulo Bal Bhabisya (Child Endowment Plan)
Child
Child endowment; insured child 0-17 yrs, proposer max 65, terms 5-25 yrs, premium waiver plus monthly income on proposer death.
Sum assured
Rs 5 lakh
Policy term
5–25 yrs
Entry age
0–17 yrs
Maturity age
25 yrs
Annual premium
Rs 29,205/yr
Premium term
Regular (Annual, semi-annual, quarterly)
Bonus
Participating (accrued bonus)
Annual premium: Child plan: insured must be a child with parent as proposer; age-30 is not a valid insured age. Calculator API productCode=33, child dob 2020-06-22 (insured age 6), proposer/parent dob 1996-06-22 (age 30), SA 500000, term 18, payTerm 18, mo
Child endowment; insured child 0-17 yrs, proposer max 65, terms 5-25 yrs, premium waiver plus monthly income on proposer death.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: Sum assured plus accrued bonus paid as lump sum
Exclusions: Non-scheduled aviation, war activities, civil/military law violations, suicide within 2 years (full premium returned)
Asian Limited Payment Endowment (Jeevan Ratna)
Endowment
Limited-pay participating endowment; min SA Rs 50,000, terms 5-54 yrs, entry 18-60, loan and surrender after 3 yrs.
Sum assured
Rs 5 lakh
Policy term
5–30 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 31,801/yr
Premium term
Limited (Annual, semi-annual, quarterly)
Bonus
Participating (accrued bonus)
Loan against policy
Yes
Annual premium: Calculator API productCode=11, age 30, SA 500000, term 20, payTerm 15 (limited pay), mode Yearly => premium 31801, tableRate 65.9.
Limited-pay participating endowment; min SA Rs 50,000, terms 5-54 yrs, entry 18-60, loan and surrender after 3 yrs.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: Sum assured plus accrued bonus at maturity
Surrender: Surrender/paid-up value available after 3 years of premium payment
Asian Samuhik Myadi (Group Term)
Endowment
Single-premium group term (SA Rs 10,000-20 lakh), term 1-15 yrs, entry 18-69; pure death cover.
Sum assured
Rs 5 lakh
Policy term
1–15 yrs
Entry age
18–69 yrs
Maturity age
70 yrs
Annual premium
Rs 36,850/yr
Premium term
Regular (Yearly), group savings cover
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single-premium group term (SA Rs 10,000-20 lakh), term 1-15 yrs, entry 18-69; pure death cover.
Riders: Funeral ExpensesAccidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: No maturity benefit (pure term)
Exclusions: War activities, civil/military law violations, suicide within 2 years
Asian Sawadhik Plus (Endowment)
Endowment
Core participating endowment plan; min SA Rs 25,000, terms 5-30 yrs, entry 18-65, maturity age 70.
Maturity benefit: Sum assured plus accumulated bonus paid lump sum at maturity
Micro Term Insurance (Laghu Myadi)
Micro
Single-premium micro term (SA Rs 10,000-300,000), term 1-15 yrs; death pays SA plus Rs 10,000 cremation expense.
Sum assured
Rs 3 lakh
Policy term
1–15 yrs
Entry age
18–64 yrs
Maturity age
65 yrs
Annual premium
Rs 1,125/yr
Premium term
Single
Annual premium: Calculator API productCode=16, age 30, SA 500000, term 1 (only term returned by API; this is a 1-yr renewable term), payTerm 1, mode Yearly => premium 1715, tableRate 3.75 per 1000 per year. [Adjusted to product max SA Rs 300,000: premium ~Rs 1,029.]
Single-premium micro term (SA Rs 10,000-300,000), term 1-15 yrs; death pays SA plus Rs 10,000 cremation expense.
Plan details
Maturity benefit: No maturity benefit (pure term)
15 Yrs Money Back Plus
Money-back
15-year money-back plan paying 25% of SA at years 5 and 10, and 50% plus bonus at maturity; loan and surrender available.
Sum assured
Rs 5 lakh
Policy term
15 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 42,330/yr
Premium term
Regular
Bonus
Simple Reversionary Bonus + Terminal Bonus (after min 10 yrs in force)
Loan against policy
Yes
Annual premium: Calculator API productCode=30, age 30, SA 500000, term 15 (max available), payTerm 15, mode Yearly => premium 42330, tableRate 85.66. (15-yr term — plan does not offer 20-yr.)
15-year money-back plan paying 25% of SA at years 5 and 10, and 50% plus bonus at maturity; loan and surrender available.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: At 15 yrs: 50% of SA plus accrued bonus (after 25% paid at 5 yrs and 25% at 10 yrs)
Surrender: Surrender value available after 3 years of premiums paid
Exclusions: War, suicide within 2 years, illegal activities, aviation risks
Annual Repay Moneyback Plan
Money-back
Annual money-back plan returning 5% of SA each year; min SA Rs 250,000, terms 10-20 yrs, no loan facility.
Sum assured
Rs 2.5 lakh
Policy term
10–20 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Premium term
Regular (Annual)
Bonus
Simple Reversionary Bonus + Terminal Bonus (10+ yr policies)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Annual money-back plan returning 5% of SA each year; min SA Rs 250,000, terms 10-20 yrs, no loan facility.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Asian Critical Care
Plan details
Maturity benefit: Remaining sum assured plus accrued bonuses at maturity
Exclusions: War, suicide within 2 years, unlawful acts, non-permitted aviation
Asian Moneyback-20
Money-back
20-year money-back plan paying 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity; min SA Rs 50,000, entry 18-45.
Sum assured
Rs 5 lakh
Policy term
20 yrs
Entry age
18–45 yrs
Maturity age
65 yrs
Annual premium
Rs 25,365/yr
Premium term
Regular (Annual, semi-annual, quarterly)
Bonus
Participating (declared bonus)
Loan against policy
Yes
Annual premium: Live calculator API CalculatePremium, productCode=29, age 30 (dob 1996-06-22), SA 500000, term 20, payTerm 20, mode Yearly => premium 25365, tableRate 51.73 per 1000.
20-year money-back plan paying 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity; min SA Rs 50,000, entry 18-45.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: At 20 yrs: 50% of SA plus bonus (after 20% at yr 10 and 30% at yr 15)
Surrender: Surrender value available
Dhan Sambriddhi
Money-back
Money-back plan with progressive survival benefits; single-premium variant pays 2.5x SA on death; terms 10-25 yrs, min SA Rs 50,000.
Sum assured
Rs 5 lakh
Policy term
10–25 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 36,850/yr
Premium term
Single/Regular (Single, Annual, Semi-annual)
Bonus
Participating (declared bonus)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back plan with progressive survival benefits; single-premium variant pays 2.5x SA on death; terms 10-25 yrs, min SA Rs 50,000.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: Survival benefits 15-60% of SA at intervals; balance plus bonus at maturity
Surrender: Surrender value available
Jeevan Sanjivani (Anticipated & Whole Life)
Money-back
Anticipated endowment cum whole-life plan paying installment maturity benefits; min SA Rs 50,000, terms 5-25 yrs, cover extends to age 99.
Sum assured
Rs 5 lakh
Policy term
5–25 yrs
Entry age
18 yrs
Maturity age
70 yrs
Annual premium
Rs 36,850/yr
Premium term
Single/Regular (Annual, semi-annual, quarterly)
Bonus
Accrued bonus paid lump-sum at end of term
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Anticipated endowment cum whole-life plan paying installment maturity benefits; min SA Rs 50,000, terms 5-25 yrs, cover extends to age 99.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: Anticipated/installment maturity payouts across policy years plus accrued bonus paid lump-sum at end; benefit continues until age 99
Asian Annuity / Pension Plan
Pension
Deferred pension/annuity plan; premium term 5-54 yrs, entry 18-60, annuity from age 40-70, min monthly annuity Rs 250 with optional 3% escalation.
Sum assured
Rs 5 lakh
Policy term
5–54 yrs
Entry age
16–60 yrs
Maturity age
70 yrs
Annual premium
Rs 25,865/yr
Premium term
Regular (Annual, semi-annual, quarterly) 5-54 yrs
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Deferred pension/annuity plan; premium term 5-54 yrs, entry 18-60, annuity from age 40-70, min monthly annuity Rs 250 with optional 3% escalation.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: Converts to monthly annuity income (min Rs 250/month); guaranteed periods 5/10/15/20 yrs; optional 3% annual annuity increase
Asian Karja Surachha (Loan Protection Term)
Term
Single-premium loan-protection term (SA Rs 10,000-20 lakh), term 1-15 yrs; accidental death pays double SA.
Sum assured
Rs 5 lakh
Policy term
1–15 yrs
Entry age
18–64 yrs
Maturity age
65 yrs
Annual premium
Rs 3,210/yr
Premium term
Single
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single-premium loan-protection term (SA Rs 10,000-20 lakh), term 1-15 yrs; accidental death pays double SA.
Plan details
Maturity benefit: No maturity benefit (pure term, non-participating)
Surrender: No surrender value
Asian Surachha Plus (Term)
Term
Pure term plan with single/limited/regular premium; SA from Rs 25,000, terms 1-15 yrs, entry 18-64, maturity age 65.
Sum assured
Rs 5 lakh
Policy term
1–15 yrs
Entry age
18–64 yrs
Maturity age
65 yrs
Annual premium
Rs 3,210/yr
Premium term
Single/Limited/Regular
Annual premium: Calculator API productCode=23, age 30, SA 500000, term 15 (max available), payTerm 15, mode Yearly => premium 3210, tableRate 6.42. (Term plan; 15-yr max, not 20.)
Pure term plan with single/limited/regular premium; SA from Rs 25,000, terms 1-15 yrs, entry 18-64, maturity age 65.
Riders: Funeral ExpensesAccidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
Plan details
Maturity benefit: No maturity benefit (pure term)
Saral Surachha (Micro Term)
Term
Annual renewable 1-yr term with age-banded rates (Rs 3.75-13.75 per thousand); min SA Rs 250,000, entry 18-60.
Sum assured
Rs 5 lakh
Policy term
1 yrs
Entry age
18–60 yrs
Maturity age
61 yrs
Annual premium
Rs 3,210/yr
Premium term
Regular (Annual)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Annual renewable 1-yr term with age-banded rates (Rs 3.75-13.75 per thousand); min SA Rs 250,000, entry 18-60.
Plan details
Maturity benefit: No maturity benefit (pure 1-yr term)
Surrender: No surrender value or loan
Sukhi Jiwan Plus (Whole Life Endowment)
Whole Life
Whole-life endowment with min SA Rs 100,000, terms 5-30 yrs, entry 18-65, maturity age 70; participating with reversionary and terminal bonus.
Sum assured
Rs 5 lakh
Policy term
5–30 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 30,650/yr
Premium term
Regular (Limited/Single also available)
Bonus
Simple Reversionary Bonus + Terminal Bonus (terminal payable after 10 yrs in force)
Loan against policy
Yes
Annual premium: Calculator API productCode=32, age 30, SA 500000, term 20, payTerm 20, mode Yearly => premium 30650, tableRate 62.3. (Endowment-cum-whole-life plan.)
Whole-life endowment with min SA Rs 100,000, terms 5-30 yrs, entry 18-65, maturity age 70; participating with reversionary and terminal bonus.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Asian Critical Care
Plan details
Maturity benefit: Sum assured plus accrued bonus paid as lump sum at end of term
Surrender: Surrender/paid-up value available after premiums paid
Exclusions: War, civil disobedience, non-licensed aviation, suicide within 2 years, civil/military law violations
About Asian Life
Asian Life Insurance Company Limited was incorporated on 27 February 2008 (15 Falgun 2064 BS) and began operations on 3 April 2008 under Nepal Insurance Authority license no. 06/064. It is a public limited life insurer with a 51:49 promoter-to-public shareholding structure, backed by leaders from Nepal's banking, insurance and financial sectors. The company operates a nationwide network of around 132 branches across all provinces and maintains a Life Fund of roughly Rs. 48 billion. It offers a broad portfolio of endowment, whole life, money-back, term, micro, child, pension and foreign-employment life insurance plans.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
