A joint-venture Nepali life insurer (55% owned by LIC of India) offering endowment, term, money-back, whole-life, child and micro-insurance plans through 70+ branches nationwide.
70
Branches
—
ATMs
16
Products
Asar 2083
Effective
All policies & details (16)
Baal Unnati
Child
Without-profit child endowment plan with guaranteed additions and an in-built monthly income benefit, protecting both child and proposer.
Sum assured
Rs 1 lakh – Rs 1 crore
Policy term
8–25 yrs
Entry age
0–17 yrs
Premium term
Regular
Bonus
Guaranteed Addition Rs 55 per 1,000 SA (8-14 yr term); Rs 60 per 1,000 SA (15-25 yr term)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Without-profit child endowment plan with guaranteed additions and an in-built monthly income benefit, protecting both child and proposer.
Riders: Optional accidental and permanent disability rider on the proposer
Plan details
Maturity benefit: Sum Assured with accrued guaranteed additions on maturity
Surrender: Available after 3 complete years with no outstanding premiums
Bima Kiran Plan
Endowment
Endowment plan that refunds premiums at maturity and continues a post-maturity death benefit of 50% of sum assured for 10 years.
Sum assured
Rs 1 lakh – Rs 25 lakh
Premium term
Regular
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment plan that refunds premiums at maturity and continues a post-maturity death benefit of 50% of sum assured for 10 years.
Plan details
Maturity benefit: Premiums paid (excluding extra premium) refunded at maturity
Surrender: Not available
Endowment Plan
Endowment
Classic with-profit endowment paying Sum Assured plus vested bonus on survival to maturity, or on death during term.
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Non-linked with-profit single-premium endowment with simple reversionary bonuses, high-sum-assured rebate and an optional settlement option.
Riders: Accidental benefit rider
Plan details
Maturity benefit: Sum Assured plus vested simple reversionary bonuses on survival to maturity
Surrender: Available after 1 year
Jeevan Labh
Endowment
Limited-premium with-profit endowment where premiums are paid for a term 5 years shorter than the policy term; pays sum assured plus bonus at maturity.
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Limited-premium with-profit endowment where premiums are paid for a term 5 years shorter than the policy term; pays sum assured plus bonus at maturity.
Riders: Accidental death riderPermanent disability rider
Plan details
Maturity benefit: Sum Assured plus vested bonus on survival to maturity
Jeevan Saathi
Endowment
Joint-life with-profit endowment covering policyholder and spouse, with enhanced accidental cover and free continued cover for the surviving spouse.
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Anticipated-endowment money-back plan (plan nos. 334/335/336/337/339) giving periodic survival payouts during the term plus death cover and bonus.
Riders: Accident benefitPermanent disability benefitTerm rider up to 2x base SA (max Rs 4 lakh)
Plan details
Maturity benefit: Final survival/maturity instalment plus vested bonus at end of term (full Sum Assured paid on death regardless of prior survival payouts)
Surrender: Available after 3 full years with all premiums paid; paid-up after 2 full years
Amulya Jeevan
Term
Pure regular-premium term assurance paying a pre-decided sum assured only on death during the premium-paying term; no maturity value.
Sum assured
Rs 5 lakh
Policy term
10–44 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 2,294/yr
Premium term
Regular
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure regular-premium term assurance paying a pre-decided sum assured only on death during the premium-paying term; no maturity value.
Plan details
Maturity benefit: No maturity benefit (pure term assurance)
Surrender: Not available
Jeevan Anand
Whole Life
Endowment-cum-whole-life plan: pays sum assured plus vested bonus at end of premium paying term, and continues whole-life death cover equal to sum assured thereafter at no extra premium.
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment-cum-whole-life plan: pays sum assured plus vested bonus at end of premium paying term, and continues whole-life death cover equal to sum assured thereafter at no extra premium.
Maturity benefit: Sum Assured plus vested bonus at end of premium paying term; thereafter whole-life death cover equal to Sum Assured continues
Surrender: Available after 3 full years' premiums paid
New Jeevan Tarang
Whole Life
Limited-premium with-profit whole life plan paying an annual survival benefit of 5.5% of sum assured for life after the premium term, with sum assured payable at age 100.
Sum assured
Rs 2 lakh
Policy term
10–20 yrs
Entry age
18–60 yrs
Maturity age
100 yrs
Premium term
Limited
Bonus
Reversionary bonus declared annually during accumulation (with-profit)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Limited-premium with-profit whole life plan paying an annual survival benefit of 5.5% of sum assured for life after the premium term, with sum assured payable at age 100.
Plan details
Maturity benefit: Sum Assured payable on survival to age 100
About LIC Nepal
Life Insurance Corporation (Nepal) Ltd. (LIC Nepal) was incorporated under Nepal's Companies Act on 27 December 2000 as a joint venture between the Life Insurance Corporation of India and Nepal's Vishal Group, receiving its life insurance license on 7 August 2001 and commencing operations on 1 September 2001. It is owned 55% by LIC of India, 10% by Vishal Group, and 35% by the general public, making it one of Nepal's most highly capitalized life insurers. The company markets itself as a "glocal" insurer, combining LIC India's global insurance expertise with local market knowledge. It operates a nationwide network of roughly 70+ branches across all seven provinces.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
