A Nepali life insurance company offering endowment, term, whole-life, money-back, child and credit-protection plans through a nationwide agent and branch network.
28
Branches
—
ATMs
13
Products
Asar 2083
Effective
All policies & details (13)
Sunaulo Bal Samriddha Jeevan Beema (Golden Child Endowment)
Child
Child endowment with premium waiver and 2% monthly income on parent's death/disability; builds funds for child's education, marriage and career.
Sum assured
Rs 5 lakh
Policy term
5–25 yrs
Entry age
0–17 yrs
Maturity age
25 yrs
Annual premium
Rs 29,520/yr
Premium term
Regular
Bonus
Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sunaulo Bal Samriddhi)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Child endowment with premium waiver and 2% monthly income on parent's death/disability; builds funds for child's education, marriage and career.
Riders: Sun MedicareCritical Illness BenefitPremium Waiver BenefitMonthly Income BenefitAccidental Death BenefitLump Sum Benefit
Plan details
Maturity benefit: Full sum assured plus accumulated bonus at maturity.
Exclusions: Child risk only commences 2 years after start or at age 6 (whichever later); suicide within first year (standard).
Money-back style limited-pay endowment over 10/15/20 years with periodic survival payouts, a maturity enhancement (10-20%), and accrued bonus.
Policy term
10–20 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Premium term
Limited
Bonus
Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back style limited-pay endowment over 10/15/20 years with periodic survival payouts, a maturity enhancement (10-20%), and accrued bonus.
Riders: Sun MedicareAccidental Death Benefit (ADB)Funeral Expenses
Plan details
Maturity benefit: 60% of sum assured plus accrued bonus at maturity, plus a maturity enhancement (10% for 10-yr, 15% for 15-yr, 20% for 20-yr term), after periodic survival payouts.
Exclusions: Suicide within first policy year (standard); see policy document.
Sunlife Endowment Assurance Life Insurance
Endowment
Participating endowment plan blending disciplined savings with life protection; guaranteed lump sum (sum assured + accrued bonuses) on maturity or full sum assured plus bonus on death.
Sum assured
Rs 5 lakh
Policy term
5–52 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 24,200/yr
Premium term
Regular
Bonus
Rs 30-65 per 1,000 sum assured/yr (FY 2080/81)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Participating endowment plan blending disciplined savings with life protection; guaranteed lump sum (sum assured + accrued bonuses) on maturity or full sum assured plus bonus on death.
Riders: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)/Premium Waiver Benefit (PWB)Critical IllnessSun MedicareFuneral Expenses
Plan details
Maturity benefit: Full sum assured plus all accumulated/declared bonuses on survival to end of term.
Exclusions: Suicide within first policy year (standard); full exclusions per policy document.
Sun Life Endowment Golden Plan (Sunlife Sawadhik Sunaulo Yojana)
Endowment
Enhanced endowment paying basic sum assured plus an extra incremented sum assured (25-40% by term) plus bonuses at maturity; 150% of sum assured plus bonuses on death.
Sum assured
Rs 5 lakh
Policy term
10–20 yrs
Entry age
18–55 yrs
Maturity age
70 yrs
Annual premium
Rs 36,490/yr
Premium term
Regular
Bonus
Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sawalikh Sunaulo)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Enhanced endowment paying basic sum assured plus an extra incremented sum assured (25-40% by term) plus bonuses at maturity; 150% of sum assured plus bonuses on death.
Riders: Sun MedicareAccidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Critical IllnessFuneral Expense
Plan details
Maturity benefit: Basic sum assured + enhanced sum assured (25% for 10-14 yr term, 30% for 15-19 yr, 40% for 20 yr) + vested bonuses.
Exclusions: Suicide within first policy year (standard); see policy document.
Single-premium joint (husband-wife) micro term plan; pays full sum assured plus 10% funeral expense on first death, no maturity benefit.
Sum assured
Rs 10,000 – Rs 3 lakh
Policy term
2–5 yrs
Entry age
22–65 yrs
Maturity age
70 yrs
Premium term
Single
Bonus
Non-participating (no surrender or paid-up value)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single-premium joint (husband-wife) micro term plan; pays full sum assured plus 10% funeral expense on first death, no maturity benefit.
Plan details
Maturity benefit: None - no benefit if both insureds survive to maturity.
Exclusions: Non-participating with no surrender/paid-up value; suicide within first year (standard).
Dhananjaya Yearly Moneyback Endowment
Money-back
Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.
Sum assured
Rs 5 lakh
Policy term
5–20 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 34,160/yr
Premium term
Regular
Bonus
Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.
Riders: Sun MedicareAccidental Death Benefit (ADB)PTDCritical IllnessFuneral Expense
Plan details
Maturity benefit: Remaining sum assured plus vested bonus at maturity (after annual 5% payouts).
Exclusions: Suicide within first policy year (standard); see policy document.
Saarthak Ajeewan Jeevan Beema (15-Year Money Back cum Whole Life)
Money-back
15-year money-back plan with whole-life cover to age 100; pays 25% of sum assured at year 5, 25% at year 10, 50% plus bonus at year 15.
Sum assured
Rs 5 lakh
Policy term
15 yrs
Entry age
18–55 yrs
Maturity age
70 yrs
Annual premium
Rs 29,520/yr
Premium term
Regular
Bonus
Rs 39 per 1,000 sum assured/yr (fixed, FY 2080/81)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
15-year money-back plan with whole-life cover to age 100; pays 25% of sum assured at year 5, 25% at year 10, 50% plus bonus at year 15.
Riders: Sun MedicareAccidental Death Benefit (ADB)PTD/PWBCritical IllnessFuneral Expenses
Plan details
Maturity benefit: 50% of sum assured plus vested bonus at year 15; full sum assured again at age 100 if not paid earlier on death.
Exclusions: Suicide within first policy year (standard); see policy document.
Credit Protection Plan
Term
Group credit-life plan offered via banks/MFIs/cooperatives that pays the lending institution the outstanding loan balance if a borrower dies or is disabled.
Premium term
Single
Bonus
Non-participating (non-profit plan)
Group credit-life plan offered via banks/MFIs/cooperatives that pays the lending institution the outstanding loan balance if a borrower dies or is disabled.
Plan details
Maturity benefit: None - benefit equals outstanding loan obligation, paid to lender on qualifying event.
Exclusions: Per master policy; numeric terms not publicly disclosed.
Nabikaran Myadi Jeevan Beema (Renewable Term Life)
Term
Pure renewable term insurance: affordable cover paying full sum assured on death during term, with no maturity payout.
Sum assured
Rs 2.5 lakh
Policy term
5–25 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Premium term
Single premium
Bonus
Non-participating (no bonus)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure renewable term insurance: affordable cover paying full sum assured on death during term, with no maturity payout.
Riders: Sun MedicareCritical IllnessFuneral Expense
Plan details
Maturity benefit: None - pure term plan, no survival/maturity payout.
Exclusions: Suicide within first policy year (standard); see policy document.
Samuhik Myadi Jeevan Beema (Group Term Assurance)
Term
Yearly renewable group term life for organizations; full sum assured to beneficiary on death, no survival benefit. Minimum 25 members (10 with extra premium).
Policy term
1 yrs
Entry age
18–64 yrs
Maturity age
65 yrs
Premium term
Single premium
Bonus
Non-participating (no bonus)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Yearly renewable group term life for organizations; full sum assured to beneficiary on death, no survival benefit. Minimum 25 members (10 with extra premium).
Riders: Sun Medicare
Plan details
Maturity benefit: None - no survival benefit; pure 1-year renewable group cover.
Exclusions: Suicide within first year (standard); see master policy.
Swornim Return of Premium Plan
Term
Term life with return of premium: full sum assured on death during term, and all basic premiums returned if you survive to maturity.
Sum assured
Rs 5 lakh
Policy term
10–30 yrs
Entry age
18–60 yrs
Maturity age
70 yrs
Annual premium
Rs 3,355/yr
Premium term
Regular
Bonus
Non-participating (no bonus; returns premiums instead)
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Term life with return of premium: full sum assured on death during term, and all basic premiums returned if you survive to maturity.
Riders: Sun MedicareCritical IllnessFuneral ExpensesAccidental Death Benefit (ADB)
Plan details
Maturity benefit: All basic premiums paid are returned on survival to end of policy term.
Exclusions: Suicide within first policy year (standard); see policy document.
Sun Life Nabeen Ajeewan Jeevan Beema (Naveen Whole Life)
Whole Life
Combines an endowment payout at end of premium term with whole-life cover up to age 100; survival benefit of sum assured plus bonus at premium-term end, and again at age 100 if unclaimed.
Sum assured
Rs 5 lakh
Policy term
5–52 yrs
Entry age
18–65 yrs
Maturity age
70 yrs
Annual premium
Rs 29,520/yr
Premium term
Limited
Bonus
Rs 38-80 per 1,000 sum assured/yr (FY 2080/81) - highest of Sun Nepal Life plans
Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Combines an endowment payout at end of premium term with whole-life cover up to age 100; survival benefit of sum assured plus bonus at premium-term end, and again at age 100 if unclaimed.
Riders: Accidental Death Benefit (ADB/PTD/PWB)Critical Illness BenefitFuneral ExpensesSun Medicare
Plan details
Maturity benefit: Full sum assured plus vested bonuses on completing premium term; additional full sum assured at age 100 if not claimed earlier.
Exclusions: Suicide within first policy year (standard); see policy document.
About Sun Nepal
Sun Nepal Life Insurance Company Ltd. was established in 2017 and is headquartered at New Plaza, Putalisadak, Kathmandu. The company operates across all seven provinces of Nepal with roughly 28 branches, over 380 staff/professionals and more than 34,000 active independent agents/financial advisors. It is listed on the Nepal Stock Exchange (NEPSE) under the symbol SNLI and reinsures with Nepal Reinsurance Company Ltd and Himalayan Reinsurance. It markets a broad range of participating and non-participating life products including endowment, whole-life, money-back, term and child 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.
