Nepal Life Insurance Company Ltd. is Nepal's largest private-sector life insurer, offering endowment, anticipated (money-back), whole-life, term, child and micro insurance plans.
195
Branches
—
ATMs
19
Products
Asar 2083
Effective
All policies & details (19)
Ketaketi Sunaulo Bhawishya Jeevan Beema Yojana
Child
Child endowment with proposer (parent) premium-waiver on death; SA + vested bonus to child at maturity.
Rs 65-82 per 1,000 sum assured/yr (Naulo Ketaketi category, FY 2081/82)
Loan against policy
Yes
Annual premium: Live API, plancode 56, child SA 500000, term 20, Yearly, proposer DOB BS 2053-01-01 (parent age 30), child age 3 (max entry age is 17, so age 30 not allowable for the insured child). Annual premium 26955.
Child endowment with proposer (parent) premium-waiver on death; SA + vested bonus to child at maturity.
Riders: Accidental Death BenefitPTD/Premium WaiverCritical Illness
Plan details
Maturity benefit: Sum Assured plus vested bonus paid to the insured child
Surrender: Surrender after 3 full policy years and 3 premiums
Exclusions: Child death before risk commencement: refund of premium/limited benefit; suicide within 2 years
Jeevan Jyoti Beema Yojana
Endowment
With-profit endowment savings-and-protection plan in NLIC's endowment range.
Sum assured
Rs 5 lakh
Policy term
5–30 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 31,825/yr
Premium term
Regular (Monthly, Quarterly, Half-Yearly, Yearly)
Bonus
Rs 60-82 per 1,000 sum assured/yr (FY 2081/82)
Loan against policy
Yes
Annual premium: Live API, plancode 15, SA 500000, term 20, PPT 15 (API requires PPT 5/10/15 for term 20), Yearly, age 30. Annual premium 31825.
With-profit endowment savings-and-protection plan in NLIC's endowment range.
Riders: Accidental Death BenefitPermanent Total DisabilityPremium WaiverCritical Illness
Plan details
Maturity benefit: Sum Assured plus accrued bonus
Surrender: After 3 full policy years and 3 premiums
Exclusions: Suicide within 2 years; standard exclusions
Jeevan Laxmi Jeevan Beema Yojana
Endowment
Small-ticket endowment (max SA Rs 1 lakh) paying 2x SA on death, 3x on accidental death, plus bonus.
Rs 60-82 per 1,000 sum assured/yr (endowment range, FY 2081/82)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Small-ticket endowment (max SA Rs 1 lakh) paying 2x SA on death, 3x on accidental death, plus bonus.
Riders: Critical Illness (Rs 50,000-50,00,000)
Plan details
Maturity benefit: Basic Sum Assured plus bonus
Surrender: Loan/surrender after policy acquires paid-up value
Exclusions: Suicide within 2 years; standard exclusions
Jeevan Sarathi Beema Yojana
Endowment
Joint-life (husband and wife) with-profit endowment; full SA + vested bonuses paid if either or both survive to maturity.
Sum assured
Rs 5 lakh
Policy term
15–30 yrs
Entry age
18–50 yrs
Maturity age
65 yrs
Annual premium
Rs 28,725/yr
Premium term
Regular (Quarterly, Half-Yearly, Yearly)
Bonus
Rs 62-85 per 1,000 sum assured/yr (highest NLIC rate, FY 2081/82)
Loan against policy
Yes
Annual premium: Live API, plancode 63, SA 500000, term 20, Yearly, primary age 30 with spouse DOB BS 2053-01-01 (joint-life plan requires spouse DOB). Annual premium 28725.
Joint-life (husband and wife) with-profit endowment; full SA + vested bonuses paid if either or both survive to maturity.
Riders: Accidental Death Benefit (Rs 1/1000, max Rs 1 crore)Critical Illness (Rs 50,000-50,00,000)
Plan details
Maturity benefit: Full Sum Assured plus vested bonuses if either or both lives survive to maturity
Surrender: Surrender/loan after paid-up value acquired
Exclusions: Suicide within 2 years; standard exclusions
Naulo Surakshit Jeevan Beema Yojana
Endowment
Standard with-profit endowment with high entry age (up to 70) and long terms.
Sum assured
Rs 5 lakh
Policy term
5–55 yrs
Entry age
18–70 yrs
Maturity age
75 yrs
Annual premium
Rs 25,799/yr
Premium term
Regular (Monthly, Quarterly, Half-Yearly, Yearly)
Bonus
Rs 65-82 per 1,000 sum assured/yr (Naulo Suraksha category, FY 2081/82)
Loan against policy
Yes
Annual premium: Live API GetPremiumWeb POST, plancode 13, SA 500000, term 20, PPT 20, Yearly(mode 7), DOB BS 2053-01-01 (API returned age 31). Annual premium 25799.
Standard with-profit endowment with high entry age (up to 70) and long terms.
Riders: Accidental Death BenefitADB + Total Permanent Disability + Premium Waiver
Plan details
Maturity benefit: Sum Assured plus accrued bonus
Surrender: After 3 full policy years and 3 full annual premiums
Exclusions: Suicide within 2 years; standard exclusions
Sammunat Jeevan Beema Yojana
Endowment
With-profit endowment paying double SA on natural death and triple SA on accidental death during the term.
Annual premium: Live API, plancode 18, SA 500000, term 20, PPT 20, Yearly, DOB BS 2053-01-01 -> age 30 confirmed. Annual premium 25370.
With-profit endowment with two options; Option 2 adds post-premium-term survival payouts of 5% SA/yr until age 79 plus full bonus at 80.
Riders: Accidental Death BenefitPermanent Total DisabilityPremium WaiverCritical Illness
Plan details
Maturity benefit: Option 1: Sum Assured plus accrued bonus. Option 2: 100% SA at premium-term end, then 5% SA annually to age 79, full bonus at 80.
Surrender: Surrender value after 3 full policy years and 3 premiums; ~80-90% of SV usable
Exclusions: Suicide within 2 years; war/high-risk occupation exclusions
Gramin Sawadhik Jeevan Beema Yojana
Micro
Rural micro-endowment with low premium; SA + bonus at maturity or death.
Sum assured
Rs 3 lakh
Policy term
5–49 yrs
Entry age
18–60 yrs
Maturity age
65 yrs
Annual premium
Rs 15,450/yr
Premium term
Regular (Quarterly, Half-Yearly, Yearly)
Bonus
Rs 56-60 per 1,000 sum assured/yr (micro/endowment range, FY 2081/82)
Loan against policy
Yes
Annual premium: Live API, plancode 16, SA 300000 (plan max SA, 500k exceeds limit), term 20, PPT 20, Yearly, age 30. Annual premium 15450 for SA 300000.
Rural micro-endowment with low premium; SA + bonus at maturity or death.
Riders: Critical Illness (Rs 50,000-50,00,000)
Plan details
Maturity benefit: Basic Sum Assured with bonus on survival to end of term
Surrender: Loan/surrender after policy acquires paid-up value; 90% of SV
Exclusions: Suicide within 2 years; standard exclusions
Jeevan Unnati Beema Yojana
Money-back
Anticipated/money-back plan paying periodic survival benefits during the term plus 40% SA + bonus at maturity.
Maturity benefit: Sum Assured less survival benefits already paid, plus bonus
Surrender: Loan/surrender after policy acquires paid-up value; 90% of SV
Exclusions: Suicide within 2 years; standard exclusions
About Nepal Life
Established on 2058/01/21 BS (4 May 2001) under the Company Act and Insurance Act, Nepal Life was the first life insurance company in Nepal floated by private (fully Nepali) investors — a group of well-known businessmen and business houses. Headquartered in Kamaladi, Kathmandu, it is a public limited company listed on NEPSE (symbol NLIC) and regulated by the Nepal Insurance Authority. It operates an extensive nationwide network of 195+ offices supported by roughly 69,000 agents and serves over 33 lakh policyholders, making it the market leader by scale (around 26% market share).
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
