Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
With-profits child endowment funding education/marriage, with premium waiver and monthly income benefit if the proposer dies.
Riders: Monthly Income Benefit (1% of sum assured/month to child if proposer dies)Premium Waiver BenefitAccidental Death BenefitPermanent Total Disability BenefitCritical Illness rider
Plan details
Maturity benefit: Basic sum assured plus accrued reversionary bonus paid at maturity
Surrender: Policy loan up to 90% of surrender value once surrender value accrues
Reliable Dhanapati Life Insurance
Endowment
High-value long-term endowment with a Rs 50 lakh minimum sum assured and optional accidental rider.
Sum assured
Rs 5 lakh
Policy term
10–40 yrs
Entry age
18–55 yrs
Annual premium
Rs 17,030/yr
Premium term
Regular
Bonus
Endowment band ~Rs 30-50 per 1,000 sum assured/yr (FY 2080/81)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
High-value long-term endowment with a Rs 50 lakh minimum sum assured and optional accidental rider.
Riders: Accidental Death Benefit
Plan details
Maturity benefit: Insured amount paid to policyholder on surviving the policy term
Reliable Endowment Life Insurance
Endowment
Flagship with-profits endowment plan paying sum assured plus accrued bonus on death or maturity.
Sum assured
Rs 5 lakh
Policy term
5–54 yrs
Entry age
18–65 yrs
Maturity age
65 yrs
Annual premium
Rs 32,180/yr
Premium term
Regular
Bonus
Endowment/whole-life band Rs 30-50 per 1,000 sum assured/yr (FY 2080/81), rising with term
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Flagship with-profits endowment plan paying sum assured plus accrued bonus on death or maturity.
Riders: Accidental Death BenefitPermanent Total Disability BenefitPremium Waiver BenefitCritical Illness BenefitHospitalization Cash Benefit
Plan details
Maturity benefit: Insured amount plus accrued reversionary bonus paid on survival to end of term
Surrender: Surrender value accrues after the policy acquires paid-up value (typically 2-3 yrs premium paid)
Sajilo Jeevan Beema
Endowment
Convenient endowment with flexible single, limited or regular premium payment; low Rs 50,000 entry sum assured.
Sum assured
Rs 50,000 – Rs 1 crore
Policy term
5–25 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Premium term
Single/Limited/Regular
Bonus
Rs 25 per 1,000 (term 5-14 yrs); Rs 26 per 1,000 (15 yrs and above) per year, FY 2080/81 (single & limited-pay)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Convenient endowment with flexible single, limited or regular premium payment; low Rs 50,000 entry sum assured.
Riders: Accidental Death BenefitPermanent Total Disability BenefitPremium Waiver BenefitCritical Illness Benefit (90-day waiting, 30-day survival)Hospitalization Cash Benefit
Plan details
Maturity benefit: Insured amount plus accrued bonus on survival to maturity
Sulav Jeevan Beema
Endowment
Long-term with-profits endowment; one of the company's most popular plans, terms up to 54 years.
Maturity benefit: Insured amount plus accrued bonus at maturity (net of survival payouts)
Reliable Samunnati Jeevan Beema
Money-back
Anticipated (money-back) endowment paying periodic survival benefits during the term plus bonus at maturity.
Sum assured
Rs 5 lakh
Policy term
5–25 yrs
Entry age
16–65 yrs
Annual premium
Rs 36,980/yr
Premium term
Regular
Bonus
Rs 20-23 per 1,000 sum assured/yr (FY 2080/81)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Anticipated (money-back) endowment paying periodic survival benefits during the term plus bonus at maturity.
Riders: Critical Illness Benefit (Rs 50,000-10,000,000)Accidental Death BenefitPremium Waiver Benefit
Plan details
Maturity benefit: Remaining survival benefit plus accrued bonus at end of term
Reliable Endowment and Whole Life Insurance Policy
Whole Life
Combined endowment + whole-life plan; maturity benefit roughly twice the insured amount (sum assured plus accumulated bonus).
Sum assured
Rs 5 lakh
Policy term
5–54 yrs
Entry age
18–65 yrs
Annual premium
Rs 28,520/yr
Premium term
Regular
Bonus
Term & whole-life band Rs 30-50 per 1,000 sum assured/yr (FY 2080/81)
Loan against policy
Yes
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Combined endowment + whole-life plan; maturity benefit roughly twice the insured amount (sum assured plus accumulated bonus).
Riders: Accidental Death BenefitPermanent Total Disability BenefitPremium Waiver BenefitCritical Illness Benefit (Rs 50,000-10,000,000, age 18-60, 90-day wait)Hospitalization Cash Benefit (age 18-55)
Plan details
Maturity benefit: Insured amount plus accrued bonus, totaling roughly twice the insured amount
About Reliable Life
Reliable Nepal Life Insurance Limited is a private-sector life insurer licensed by the Nepal Insurance Authority (Beema Pradhikaran) and Government of Nepal, promoted by a group of economists, industrialists and bankers. It commenced operations on 2074.05.15 BS (around 2017 AD) and is headquartered in Gyaneshwor, Kathmandu. The company markets roughly 15 life insurance plans with various riders and reports a large distribution footprint of about 110 branch offices and more than 28,000 active insurance agents nationwide, plus an online platform. Its target market spans farmers, entrepreneurs, employees, teachers, drivers and members of the security forces.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
