Life insurance — compare policies

Bonus: —

• Single-premium micro term cover
• Death benefit = SA plus Rs 10,000 cremation expense
• Accidental disability scale Rs 4,000-100,000
• SA Rs 10,000-300,000

Bonus: —

• One-year renewable group term cover
• Minimum group size 25 members
• Sum assured NPR 50,000 to NPR 20 lakh per member
• Pays sum assured only on death during term

Bonus: Non-participating (no bonus) for core cover; company term plans declared Rs 33-70 band where participating variant applies

• Pure term life protection at low premium
• Full sum assured paid to nominee on death within term
• Supplementary ADB/PTD/PWB riders up to NPR 10,000,000
• Affordable cover for income protection / loan protection

Bonus: Non-participating (no bonus; returns premiums instead)

• Full sum assured on death during term
• All basic premiums returned at maturity if you survive
• High cover - minimum sum assured Rs 1,000,000
• Term 10-30 years

Bonus: —

• Very low entry sum assured Rs 10,000
• Death benefit plus funeral expense top-up
• Policy terms 1 to 30 years
• Single or regular premium options

Bonus: —

• Compulsory term life cover for those going abroad for foreign employment
• Terms of 1 to 6.5 years available
• Premium banded by age group (18-35, 36-50, 51-64)
• Single-premium pure protection

Bonus: —

• Pre-decided Sum Assured payable on death during premium-paying term
• Sum Assured Rs 5 lakh to Rs 1 crore
• Policy term 10 to 44 years (subject to max age 70)
• Pure protection with low premiums

Bonus: Endowment band ~Rs 30-50 per 1,000 sum assured/yr (FY 2080/81)

• High minimum sum assured of Rs 50 lakh
• Long policy terms 10 to 40 years
• Death benefit + extra accidental sum assured if death is accidental
• Maturity = full insured amount

Bonus: —

• Pure protection term assurance
• Sum assured Rs 5,00,000 to Rs 1,00,00,000
• Terms 1-35 years
• Optional accident and disability riders

Bonus: —

• 100% of CI face amount paid as lump sum on first diagnosis
• Covers 11 conditions incl. cancer, kidney failure, stroke, major organ transplant, coma, blindness
• Coverage 50-100% of base policy face amount
• Single Pay or regular pay options

Bonus: —

• Pure life protection
• Sum assured to nominee on death during term
• Low-cost premium
• Optional ADB and WOP riders

Bonus: —

• Pure protection at low cost
• High sum assured with no upper limit
• Death benefit equal to Sum Assured
• No maturity/survival benefit

Bonus: —

• Full Sum Assured paid on death during term after risk commencement
• Premiums (excl. rider/extra) refunded if death before risk commencement
• No limit on sum assured subject to underwriting
• Flexible regular, single or limited premium payment

Bonus: —

• Affordable life cover designed for low-income and rural households
• Small capped sum assured (micro-insurance limits, up to about Rs 1 lakh)
• Simplified enrolment and minimal underwriting
• Aligned with Nepal Insurance Authority micro-insurance directives for financial inclusion

Bonus: —

• Pure life cover paying basic sum assured on death before maturity
• Term 5 to 35 years
• No maturity/survival benefit (low cost)
• ADB rider up to NPR 5 lakh

Bonus: Participating (reversionary bonus)

• Joint-life cover for couples
• Death benefit progresses 100%-250% of SA by policy duration
• Min SA Rs 50,000
• Terms 5-30 yrs

Bonus: Term band Rs 33-70 per 1,000 (declared for term/advance-payment term products)

• Term life protection with money-back / return-of-investment at term end
• Full sum assured to nominee on death during term
• Returns the invested amount if policyholder survives the term
• Optional ADB/PTD/PWB riders

Bonus: —

• Fixed sum assured Rs 10,00,000
• Terms from 1.0 to 6.6 years matching contract periods
• Built-in critical illness cover Rs 500,000
• Funeral expenses Rs 100,000 and body repatriation Rs 100,000

Bonus: —

• Death benefit equal to Sum Assured
• Funeral expenses of 10% of Sum Assured
• Accidental death benefit of additional Sum Assured
• Permanent total disability benefit equal to Sum Assured

Bonus: —

• Term assurance with return-of-premium at maturity
• Death benefit = Sum Assured (refund of premium if death before risk commencement)
• Risk commences 1 year after start (except accidental death)
• Min sum assured Rs 1,00,000

Bonus: Guaranteed loyalty bonus of 3% of Account Value added at maturity

• Account-value (universal life) structure with savings growth
• Death benefit is higher of Sum Assured or Account Value
• Guaranteed 3% loyalty bonus on Account Value at maturity
• Policy loan up to 90% of surrender value (min NPR 1,000)

Bonus: Rs 25 (5-9 yrs), Rs 29 (10-14 yrs), Rs 33 (15-19 yrs), Rs 41 (20+ yrs) per 1,000 sum assured/yr, FY 2080/81

• Policy terms 5 to 54 years
• With-profits annual reversionary bonus up to Rs 41/1,000 for long terms
• Death & maturity = insured amount + accrued bonus
• Risk commences immediately on inception

Bonus: Rs 30-65 per 1,000 sum assured/yr (FY 2080/81)

• Guaranteed maturity lump sum = sum assured + bonuses
• Full sum assured plus bonuses paid on death during term
• Participates in company profits via annual bonus
• Flexible term 5 to 52 years

Bonus: —

• Covers outstanding loan/credit on borrower death
• Full Sum Assured paid to nominee on death during term
• Sum assured up to Rs 20,00,000
• Optional accidental death and disability riders

Bonus: —

• Maturity terms of 10/15/20/25/30/35/40 years
• Minimum annuity-start age 40
• 5 annuity options chosen at maturity
• Annuity begins one month after maturity date

Bonus: —

• My Life variant: pure loss-of-life cover up to NPR 15,000,000
• Beautiful variant: life cover + 9 female-specific critical illnesses up to NPR 5,000,000
• Brave variant: life cover + 14 critical illnesses (cancer, stroke, heart attack, kidney failure)
• Flexible terms from 1 to 20 years

Bonus: Rs 35-70 per 1,000 sum assured/yr regular; Rs 35-65 single (FY 2081/82)

• Death and maturity both pay Sum Assured plus vested bonus
• Low entry sum assured of Rs 25,000
• Long policy terms up to 52 years
• Single premium option

Bonus: —

• High life cover at low premium for a fixed term (commonly 10/15/20 years)
• Pays full sum assured to nominees on death during the term
• No maturity benefit or cash value (pure protection)
• Optional accidental death and disability riders

Bonus: —

• Loan/credit protection single-premium term
• Natural death: full SA plus cremation expense (25% of SA or Rs 30,000, lower)
• Accidental death: 2x SA
• Accidental PTD: full SA; partial disability 50% SA

Bonus: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

• Minimum sum assured Rs 100,000, maximum based on income
• Long policy terms from 5 up to 52 years
• Maturity payout of basic sum assured plus bonus
• Whole-life feature: extra sum assured paid on death after maturity

Bonus: Rs 33-70 per 1,000 sum assured/yr (term-slab based, declared FY2082/83)

• Participating endowment paying sum assured plus vested bonus at maturity
• Death benefit of sum assured plus accrued bonus during the term
• Policy loan up to 90% of surrender value after 3 years
• Premium tax-deductible up to NPR 40,000/yr

Bonus: Rs 60-65 per 1,000 sum assured/yr (FY 2080/81) - highest bonus band among Reliable's plans

• Targeted at funding a child's higher education
• Highest bonus rate (Rs 60-65 per 1,000) of any Reliable plan
• Premium waiver on proposer death/disability
• Monthly income benefit to child option

Bonus: —

• Sum Assured plus accrued bonus on maturity
• Full sum assured plus accrued bonus on death within term
• Accidental death benefit up to max NPR 1 crore plus accrued bonus
• Loan facility after 3 years of premiums paid

Bonus: —

• Sum Assured payable on death during policy term
• Funeral expenses of Rs 10,000 to nominee
• Accident disability benefit up to Rs 1,50,000
• Without-profit single-premium micro term plan

Bonus: Rs 39 per 1,000 sum assured/yr (fixed, FY 2080/81)

• Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
• Whole-life cover continues to age 100
• Full sum assured plus vested bonus on death during premium term
• Low minimum sum assured Rs 50,000

Bonus: Reversionary/vested bonus declared annually (rate not published)

• Double the sum assured paid on natural death before maturity
• Three times the sum assured paid on accidental death
• Sum assured plus bonus on survival to maturity
• Policy term 5 to 35 years with flexible premium modes

Bonus: Rs 56-60 per 1,000 sum assured/yr (micro/endowment range, FY 2081/82)

• Micro-insurance endowment for rural/low-income segment
• Sum assured Rs 10,000 to Rs 3,00,000
• Maturity and death benefit = SA + bonus
• Long terms up to 49 years

Bonus: —

• Death benefit full Sum Assured plus 10% funeral expense (capped Rs 50,000)
• Accidental death: 100% SA plus 10% funeral expense (capped Rs 50,000)
• Accidental total permanent disability: 100% Sum Assured
• Affordable micro cover starting Rs 5,000 SA

Bonus: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

• Child entry age 1 month to 15 years; proposer 20-50 yrs
• On child death: 25% of SA plus accrued bonus or premiums paid
• On proposer death: 1% of sum assured per month paid till maturity
• Funds child's education/start in life

Bonus: Reversionary bonuses (participating); rate declared annually

• On owner death (Gold): 100% face amount lump sum + premiums waived + 2% of face amount monthly for remaining term
• On owner death (Silver): premiums waived + 2% of face amount monthly for remaining term
• Child death benefit 25% of face amount + accrued bonuses
• Child coverage from 31 days old up to age 28

Bonus: Rs 20-30 per 1,000 sum assured/yr (FY 2081/82)

• Natural death pays 2x Sum Assured plus vested bonus
• Accidental death (with ADB) pays triple sum assured
• Maturity pays 1x Sum Assured plus bonus
• Capped maximum sum assured of Rs 10,00,000

Bonus: Rs 65 per 1,000 sum assured per year (all policy periods)

• Child (newborn to 8 years) is the insured life; sum assured Rs 1 lakh to Rs 5 lakh
• Pays 20% of sum assured each year for 5 years starting from the anniversary after age 16
• Accrued bonus paid as a lump sum at the anniversary after the child turns 22
• Higher bonus rate of Rs 65 per 1,000 sum assured for all policy periods

Bonus: —

• 1-year renewable term
• Published per-thousand rate table by age band
• Min SA Rs 250,000
• Entry 18-60, maturity age 61

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

• Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
• Terms of 15, 20 or 25 years
• Single-premium option pays 2.5x sum assured at maturity
• Death pays full sum assured plus bonus without deducting survival benefits

Bonus: Rs 33-70 per 1,000 sum assured/yr (endowment band)

• Lump-sum maturity payout of sum assured plus bonuses
• Double sum assured on accidental death (max NPR 10,000,000)
• Critical illness cover for 15 specified illnesses (max NPR 5,000,000)
• Flexible premium modes (annual/semi-annual/quarterly/monthly)

Bonus: Micro/short-term band Rs 31-35 per 1,000 sum assured/yr (FY 2080/81)

• Micro-insurance for low-income households
• Sum assured as low as Rs 10,000
• Death = insured amount + accumulated bonus to nominee
• Maturity = insured amount + accrued bonus

Bonus: —

• Maturity value convertible into immediate annuity (pension)
• Two pension distribution options at maturity
• Basic SA plus vested bonus on death before maturity
• Long accumulation term up to 54 years

Bonus: Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sunaulo Bal Samriddhi)

• Premium waiver on death/permanent disability of proposer
• 2% of sum assured paid monthly as income on proposer's death/disability
• Child death benefit: 25% sum assured plus bonus or premiums paid, whichever higher
• Full sum assured plus bonus at maturity for child's education/marriage/career

Bonus: Vested bonus declared annually (rate not published)

• Child (life assured) entry age 0-17; proposer/parent 21-60
• Sum assured plus vested bonus at maturity for child's future
• Risk on child commences after deferment period (2 years / age 6)
• Death before risk commencement refunds base premium

Bonus: Rs 60-65 per 1,000 sum assured/yr (FY 2081/82)

• With-profit endowment with accrued reversionary bonus
• Two options including post-maturity survival income (Option 2)
• Death benefit 100% SA + bonus during premium period
• Flexible premium modes including salary-saving and single

Bonus: —

• Fixed Rs 10,00,000 sum assured on death
• Funeral expense Rs 1,00,000 and repatriation expense Rs 1,00,000
• Loss of income benefit Rs 2,00,000
• Permanent total disability Rs 10,00,000; temporary partial disability up to Rs 5,00,000

Bonus: Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)

• Sum assured plus bonus on maturity
• Sum assured plus bonus to nominee on death
• With-profit (participating) plan
• Loan facility against policy

Bonus: Reversionary bonuses (participating); rate declared annually

• 40% face amount survival payout at policy midterm
• 60% of face amount plus reversionary bonuses at maturity
• Death benefit 100% of face amount + bonuses before midterm
• Death benefit 200% of face amount + bonuses after midterm

Bonus: Rs 20-30 per 1,000 sum assured/yr (FY 2081/82)

• Covers both spouses under one policy
• First-death pays Sum Assured; cover continues
• Second death / maturity pays Sum Assured plus bonus
• Max age gap between spouses 7 years

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Combined life protection and guaranteed maturity savings
• Lump-sum maturity benefit of sum assured plus accrued bonuses
• Death cover (sum assured plus bonus) throughout the policy term
• Loan available against surrender value after 3 years

Bonus: Simple reversionary bonus declared annually (with-profit)

• Sum Assured plus vested bonus paid at end of premium paying term
• Death cover equal to Sum Assured continues for whole of life after maturity at no extra cost
• Becomes paid-up after 3 full years of premiums
• Loan up to 90% of surrender value after 3 years

Bonus: —

• Flexible-pay pure term cover
• SA from Rs 25,000
• Term 1-15 yrs, entry 18-64
• Death pays sum assured

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

• Yearly survival benefit of 4-6% of sum assured
• Terms of 10 to 20 years
• Minimum sum assured Rs 500,000
• Full sum assured plus bonus on death without deducting survival benefits

Bonus: Guaranteed bonus Rs 40/1000 (single-pay) or Rs 60/1000 (regular) plus loyalty bonus

• Guaranteed bonus Rs 40/1000 (single) or Rs 60/1000 (regular) at maturity
• Loyalty bonus on top of guaranteed bonus
• Stepped death benefit rising to 150% (single) or 200% (regular) of SA after year 5
• Short 12 or 15 year term

Bonus: Rs 38-80 per 1,000 sum assured/yr (FY 2080/81) - highest of Sun Nepal Life plans

• Endowment payout at premium-term end PLUS lifelong whole-life cover to age 100
• Full sum assured plus vested bonus on survival at premium term end
• Full sum assured plus bonus on death during premium term; full sum assured after
• Highest bonus band Rs 38-80 per 1,000

Bonus: Term & whole-life band Rs 30-50 per 1,000 sum assured/yr (FY 2080/81)

• Lifelong/long-term protection up to 54-year term
• Maturity benefit approx double the insured amount
• With-profits bonus accrual
• Wide entry age 18-65

Bonus: Rs 33-70 per 1,000 sum assured/yr (Child Jeevan Kiran)

• Endowment savings plan targeted at a child's future needs
• Premium waiver protects the plan if the paying parent dies
• Sum assured plus vested bonus at maturity
• Bonus band Rs 33-70 per 1,000

Bonus: Vested bonus declared annually (rate not published)

• With-profit group life cover combining protection and savings
• Minimum sum assured NPR 400,000 per member
• Sum assured plus vested bonus at maturity
• Paid-up value after 2 years; surrender after 3 years

Bonus: Rs 65-82 per 1,000 sum assured/yr (Naulo Suraksha category, FY 2081/82)

• With-profit endowment
• High entry age up to 70 years
• Maturity and death benefit both SA + accrued bonus
• Long terms up to 55 years

Bonus: Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)

• 9% of basic sum assured paid annually as survival benefit after premium term
• Coverage to age 80
• Vested reversionary bonus participation
• Return of premiums (without interest) if death before risk commencement

Bonus: Rs 32-70 per 1,000 sum assured/yr (endowment, FY 2080/81)

• Full Sum Assured plus vested bonus on death any time during term
• Full Sum Assured plus vested bonus on maturity survival
• Participating plan earning annual reversionary bonus
• Loan facility once surrender value accrues

Bonus: Rs 20 per 1,000 sum assured/yr (FY 2081/82)

• Group savings-cum-protection plan
• Sum Assured plus bonus at maturity
• Death benefit during term
• Participating with annual bonus (Rs 20/thousand)

Bonus: Booster Fund up to Rs 60 per 1,000 face amount/yr (yield-linked, 15.5%+ tier); Rs 0 below 4% yield

• Death benefit 2x face amount (less indebtedness)
• Permanent Total Disability benefit 2x face amount after 6 consecutive months
• Accidental Death benefit additional 1x face amount within 365 days
• Guaranteed loyalty rewards at years 5/10/15/20

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Builds a guaranteed maturity fund for a child's education and marriage
• Premium Waiver Benefit continues the policy if the proposing parent dies
• Annual bonus accrual (Rs 60 per 1,000 SA for FY 2080/81)
• Maturity payout timed to the child's higher-education / marriage age

Bonus: Simple reversionary bonus declared annually (with-profit)

• Sum Assured plus vested bonus at maturity
• Death benefit during term
• Policy term 10 to 52 years (max age 70)
• Becomes paid-up after 3 full years

Bonus: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

• Premiums paid for a shorter limited term than the cover period
• Policy terms of 10, 15, 20 or 25 years
• Premium-paying terms from 5 to 20 years
• Minimum sum assured Rs 50,000

Bonus: Participating (accrued bonus)

• Two cover options: Golden (150% SA after 3 yrs) and Diamond (up to 200% SA after 5 yrs)
• Min SA Rs 100,000
• Enhanced death benefit by duration
• Terms 5-30 yrs

Bonus: —

• Affordable entry sum assured from NPR 25,000
• Sum assured plus bonus on both maturity and death
• Long term up to 49 years
• ADB and TPD riders up to NPR 1 crore

Bonus: Endowment/whole-life band Rs 30-50 per 1,000 sum assured/yr (FY 2080/81), rising with term

• Death benefit = insured amount + accrued bonus to nominee
• Maturity benefit = insured amount + accrued bonus
• With-profits annual reversionary bonus
• Multiple premium frequencies: yearly/half-yearly/quarterly/monthly

Bonus: Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)

• 5% of sum assured paid every policy anniversary as regular income
• Remaining sum assured plus bonus at maturity
• Full sum assured plus vested bonus on death during term
• Term 5-20 years

Bonus: Rs 35 per 1,000 sum assured/yr (flat)

• Pays back 5% of sum assured on every policy anniversary while in force
• Death benefit of twice the sum assured plus accrued bonus during the term
• Balance sum assured plus bonus at maturity
• Flat bonus of Rs 35 per 1,000 sum assured

Bonus: —

• One-year term plan renewable up to age 64
• For groups with employee-employer relationship
• Single master policy issued to the group
• New members added at joining on pro-rata premium

Bonus: Rs 65-82 per 1,000 sum assured/yr (Naulo Ketaketi category, FY 2081/82)

• Child future-savings endowment (child entry 1 month to 17 yrs)
• Proposer/parent entry 21-65 yrs
• Premium waiver continuing cover on proposer's death
• Risk commences at 2 yrs or child age 5

Bonus: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

• One-time single premium payment
• Sum assured plus bonus on maturity or death
• With-profit participation
• Loan facility

Bonus: Rs 30-65 per 1,000 sum assured/yr (Bal Umang/child plans, FY 2080/81)

• Child entry age 0-17, matures by child age 32
• Full Sum Assured plus vested bonus at maturity for child's education/future
• On child death during term: 25% SA plus bonus or total premiums, whichever higher
• Compulsory premium-waiver so policy continues if proposer dies

Bonus: Rs 19-30 per 1,000 sum assured/yr (Modified 30; Annual 19-21) (FY 2081/82)

• Fixed 5% of Sum Assured paid every year from year 2
• Death pays full Sum Assured plus bonus regardless of survival benefits already paid
• Maturity bonus on 20-year term
• Participating anticipated endowment

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Single policy covers two lives (husband and wife) under one premium
• Avoids running two separate policies and duplicate premium administration
• Full sum assured plus vested bonus paid on death of both lives during term
• Maturity payout of sum assured plus bonus on joint survival

Bonus: Simple reversionary bonus declared annually (with-profit)

• Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
• Full Sum Assured paid on death irrespective of survival payments already made
• Available in 5 plan variants (334/335/336/337/339)
• Paid-up after 2 full years; surrender after 3 years

Bonus: —

• Choice of lifetime income or 20-year guaranteed monthly pension
• Coverage continues to age 100
• 5 policy term options from 10 to 30 years
• Lifetime Income Rider pays Rs 1,500 to Rs 40,000 per month

Bonus: Rs 45-90 per 1,000 sum assured/yr (FY2080/81, Chaurasi Puja category - highest bonus)

• Whole-life cover maturing at age 82 (Chaurasi)
• Highest bonus band of the company (up to Rs 90 per 1,000)
• 6% of sum assured paid annually after the premium term
• Death cover of 250% of SA during premium term, 200% after, 150% near maturity

Bonus: Participating (declared bonus)

• 20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
• Min SA Rs 50,000
• Entry 18-45, maturity age 65
• Loan and surrender available

Bonus: —

• Child entry from newborn to age 17, maturity at child age up to 27
• Full premium refund if child dies before risk commencement
• On proposer death: premium waiver plus monthly income benefit options
• Risk commences 2 years after start or after child reaches age 6

Bonus: Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sawalikh Sunaulo)

• Enhanced maturity: 25-40% extra sum assured added by term length
• Death benefit 150% of basic sum assured plus bonuses
• Minimum sum assured Rs 200,000
• Term 10-20 years

Bonus: Rs 20-23 per 1,000 sum assured/yr (FY 2080/81)

• Anticipated/money-back periodic survival benefits
• Yearly/half-yearly/quarterly/monthly premium modes
• Death benefit unaffected by survival payouts already received
• Min sum assured Rs 5 lakh

Bonus: —

• Group insurance plan for Micro Finance Institutions and Cooperatives
• Provides life protection cover to members/borrowers
• Single master policy issued to the institution
• Suited to credit-life / member protection use cases

Bonus: Rs 60-82 per 1,000 sum assured/yr (FY 2081/82)

• Whole-life endowment cover to age 70
• Maturity SA + bonus; death SA + bonus
• Accidental death cover continuing after maturity to 70
• Very long terms up to 54 years

Bonus: Simple reversionary bonus declared annually (Rs 60/1000 base, FY 2081/82)

• Graduated death benefit: 100% (yr 1-5), 125% (yr 6-10), 150% (yr 11-15), 200% (yr 16-20) of sum assured plus bonus
• Non-linked with-profit endowment
• Simple reversionary bonus participation
• Premium payment yearly/half-yearly/quarterly

Bonus: —

• Full Sum Assured paid to nominee on death during term
• Wide entry age up to 75, maturity up to 76
• Sum assured up to Rs 25,00,000
• Yearly or single premium flexibility

Bonus: Rs 32-42 per 1,000 sum assured/yr (15-yr: 41, 20-yr: 45) (FY 2081/82)

• Choice of 12, 15 or 20 year terms
• Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
• Death pays full Sum Assured plus bonus
• Maturity age options 62/65/70

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Group endowment for employers, institutions and government staff (Rastra Sewak scheme)
• Combines life cover during service with a maturity/retirement payout
• Premiums commonly collected via salary deduction; rates set by group size and risk
• Annual bonus accrual on the group fund (Rs 60 per 1,000 SA)

Bonus: Rs 33-70 per 1,000 sum assured/yr

• Single lump-sum premium endowment
• Sum assured plus vested bonus at maturity
• Full death cover during term
• Eligible for policy loan

Bonus: Simple reversionary bonus declared annually (with-profit)

• Sum Assured plus vested bonus on survival to maturity
• Sum Assured plus vested bonus on death during term
• Premium paying term same as policy term
• Term 5 to 49 years

Bonus: —

• DPS-style savings with maturity benefit driven by investment yield
• Gold plan adds life coverage (e.g. Rs 600,000) plus accidental cover
• Silver plan provides accidental coverage
• Maturity convertible to 20-year guaranteed pension annuity to age 100

Bonus: —

• Minimum term cover Rs 500,000
• Entry age 18 to 60 years
• Policy terms 5 to 35 years
• Pure protection with low premiums

Bonus: —

• Deferred annuity / pension plan
• Annuity commencement from approx age 40 to 70
• Min monthly annuity Rs 250
• Guaranteed annuity periods 5/10/15/20 yrs

Bonus: —

• Annual pension of 6% of sum assured after premium paying term up to age 99
• Full sum assured paid at age 100 or on earlier death
• Combines endowment, whole-life and pension benefits
• Minimum sum assured NPR 5 lakh

Bonus: Reversionary/vested bonus declared annually (rate not published)

• Whole-life cover up to age 90 with limited premium payment
• Sum assured plus bonus paid at end of premium term or on death during term
• Survival benefit of 20% of sum assured at ages 70, 75, 80, 85 and 90
• Death after premium term pays sum assured less survival benefits already paid

Bonus: Advance/anticipated payment plans band Rs 50-55 per 1,000 sum assured/yr (FY 2080/81)

• Survival refunds every 4 years of premium paid
• Even-year terms 10 to 20 years
• Accidental death pays insured amount + accidental benefit + accrued bonus
• Entry age 18-55, maturity by 65

Bonus: Rs 62-85 per 1,000 sum assured/yr (highest NLIC rate, FY 2081/82)

• Joint-life cover for husband and wife under one policy
• Full SA + vested bonus on survival of either spouse
• Highest declared bonus rate band (up to Rs 85/1,000)
• ADB rider at Rs 1 per thousand

Bonus: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

• One-time single premium payment
• Sum assured plus bonus on maturity or death
• With-profit participation
• Loan facility

Bonus: Rs 30-65 per 1,000 sum assured/yr (Bal Umang, FY 2080/81)

• Five survival installments each 20% of SA plus bonus
• On child death: 25% SA plus vested bonus or total premiums received, whichever higher
• Staggered payouts to fund education milestones
• Premium waiver and income benefit riders protect against proposer death/disability

Bonus: Rs 35-70 per 1,000 sum assured/yr (FY 2081/82)

• Limited premium paying term with whole-life protection
• Coverage continues to age 100
• Single premium option available
• Death post-endowment pays full Sum Assured

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81; reversionary, varies with actuarial valuation)

• Dual benefit: lump-sum maturity payout on survival, full sum assured plus bonus on death during term
• Limited premium-paying term shorter than policy term (e.g. pay 16 yrs on a 20-yr policy)
• Annual reversionary bonus (Rs 60 per 1,000 SA for FY 2080/81) accrues to the policy
• Policy loan available up to 90% of surrender value after 3 years of premiums

Bonus: Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)

• Choice of 10/15/20-year policy term
• Limited premium pay: 1, 3, 7, 12 or 16 years
• Periodic survival payouts (e.g. 10-yr: 20% at yr3, 20% at yr7, 60%+bonus at yr10)
• Maturity enhancement 10-20% of sum assured by term

Bonus: Rs 38-73 per 1,000 sum assured/yr (endowment and whole-life variants)

• Combines endowment savings with whole-life protection
• Higher bonus band (Rs 38-73 per 1,000) than standard endowment
• Death benefit of sum assured plus accrued bonus
• Bonus payable on maturity, death, surrender and periodic claims

Bonus: Guaranteed Addition Rs 55 per 1,000 SA (8-14 yr term); Rs 60 per 1,000 SA (15-25 yr term)

• Guaranteed Addition Rs 55-60 per 1,000 Sum Assured per year
• In-built monthly income benefit equal to 1% of Sum Assured
• Child entry age 0-17, proposer age 20-50
• Protects both child and proposer

Bonus: —

• Rural Credit Micro Term: loss of life & accidental death/PTD Rs 5,000-300,000
• Rural Term: loss of life & accidental death/PTD Rs 5,000-2,000,000, term 1-6 years
• Funeral expenses Rs 500 up to 40% of loss-of-life benefit
• Entry age 18 to 70 years (nearest birthday)

Bonus: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

• Designed for corporate / professional employees
• Minimum sum assured Rs 15,00,000
• Can serve as security for employer-provided loans
• Death and disability benefits during the term

Bonus: Participating (accrued bonus)

• Endowment with flexible terms 5/10/15/20/25/30 yrs
• Min SA Rs 50,000
• Single to 25-yr premium payment options
• Participating with bonus

Bonus: —

• Full sum assured plus bonus on maturity
• Basic sum assured plus vested bonus on death before maturity
• Post-maturity accidental death cover (extra ADB) up to age 70
• Long term up to 54 years

Bonus: —

• Non-participating single-premium one-year term
• Min sum assured Rs 2,50,000
• Sums above Rs 20 lakh require conventional policy
• Death benefit paid to nominee during the year

Bonus: Reversionary bonus declared annually (rate not published)

• 25% of sum assured paid at 1/3 of policy term
• 30% of sum assured paid at 2/3 of policy term
• 45% of sum assured plus reversionary bonus at maturity
• Full sum assured plus bonus paid on death (survival benefits not deducted)

Bonus: Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)

• Combined endowment + whole-life cover
• Sum assured plus bonus on maturity
• With-profit participation
• Loan facility

Bonus: Rs 32-80 per 1,000 sum assured/yr (whole life, FY 2080/81)

• Full Sum Assured plus vested bonus on death during term
• Full Sum Assured plus vested bonus on maturity survival
• Coverage continues to age 100; full Sum Assured paid on post-maturity death or age-100 survival
• Highest whole-life bonus band (up to Rs 80 per 1,000)

Bonus: Rs 40-65 per 1,000 sum assured/yr (FY 2081/82)

• Limited premium payment term
• Death benefit increases with policy year (100% rising to 225% of SA)
• Risk coverage increases every 5 years
• Maturity age up to 75 years

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Double benefit: payout at maturity on survival AND a separate death benefit to nominees afterwards
• Coverage effectively continues even after the policy term / after the insured's death
• Sum assured up to Rs 50 lakh (5,000,000)
• Wide entry age band of 11 to 65 years

Bonus: Rs 30-55 per 1,000 sum assured/yr (FY 2080/81)

• One-time single premium - no recurring payments
• Full sum assured plus declared bonuses on death or maturity
• Participates in company profits (guaranteed bonuses)
• Term 5-52 years

Bonus: —

• Mandatory life cover for Nepali workers on foreign employment
• Single premium covering the employment-contract period
• Death and disability benefit while working abroad
• Sold under Department of Foreign Employment scheme terms

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)

• Single, limited or regular premium payment flexibility
• Sum assured from just Rs 50,000
• Death & maturity benefit = insured amount + accrued bonus
• Monthly Income Benefit 1% of sum assured for minors until age 16

Bonus: Guaranteed Addition Rs 65 per 1,000 SA for first 5 years, then simple reversionary bonus

• Guaranteed Addition Rs 65 per 1,000 Sum Assured for first 5 years
• Reversionary bonus participation thereafter
• Premium paying term options of 5, 10 or 15 years
• Fixed 15-year policy term

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

• Terms of 12, 15 or 20 years
• Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
• Minimum sum assured Rs 50,000
• Full sum assured plus bonus on death, no deduction for installments paid

Bonus: Participating (accrued bonus)

• Child plan, insured child age 0-17, proposer up to 65
• Deferred risk commencement by child age
• On proposer death: future premiums waived plus 1% of SA monthly income until child turns 18
• Death benefit 25% of SA (or premiums paid) plus bonus

Bonus: —

• Sum assured plus additional sum assured plus accrued reversionary bonus on death
• Accidental death benefit equal to SA or NPR 1 crore (lower)
• TPD: full SA paid in 120 monthly installments with balance at maturity/death
• Monthly income benefit rider option

Bonus: Rs 56-70 per 1,000 sum assured/yr (FY 2081/82)

• With-profit endowment
• Enhanced death benefit: 2x SA natural, 3x SA accidental + bonus
• Sum assured up to Rs 1 crore
• Maturity = SA + accrued bonus

Bonus: Reversionary/vested bonus declared annually (rate not published)

• 5% of sum assured paid on every policy anniversary as survival benefit
• Full sum assured plus reversionary bonus on death
• Maturity pays remaining sum assured plus vested bonus
• Policy term 5 to 20 years

Bonus: —

• Regular annuity income stream
• Retirement income planning
• Multiple annuity payout options
• Companion to the deferred Pension Plan

Bonus: Rs 22-63 per 1,000 sum assured/yr (advance/money-back plans, FY 2080/81)

• Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
• 20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
• 25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
• Full Sum Assured plus vested bonus on death irrespective of survival payouts already made

Bonus: —

• Affordable micro-insurance for low-income groups
• One-year term, single premium
• Low minimum sum assured Rs 10,000
• Optional funeral benefit

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Periodic 'money-back' survival benefits paid in instalments during the policy term
• Full sum assured plus bonus paid on death even if survival benefits were already received
• Remaining sum assured plus accrued bonus paid at maturity
• Loan available up to 90% of surrender value after 3 years

Bonus: Non-participating (no bonus)

• Pure term protection - full sum assured on death during term
• Renewable term cover
• Affordable premiums (no savings component)
• Term 5-25 years

Bonus: Rs 25 (5-9 yrs), Rs 29 (10-14 yrs), Rs 33 (15-19 yrs), Rs 41 (20+ yrs) per 1,000 sum assured/yr (FY 2080/81)

• Designed for child's education, marriage and milestones
• Premium waiver on proposer death/disability keeps policy in force
• Monthly income benefit to child if proposer dies
• Death benefit after 2-yr risk commencement: 25% immediate + 75% plus bonus at term end

Bonus: —

• Pre-decided Sum Assured payable on death
• All premiums (excluding extra premium) refunded at maturity
• Post-maturity benefit: 50% of Sum Assured payable if life assured dies within 10 years after maturity
• Sum Assured Rs 1 lakh to Rs 25 lakh

Bonus: Rs 40-75 per 1,000 sum assured/yr (FY2080/81)

• Child entry age 0 to 17 years; proposer 18 to 70
• Sum assured Rs 50,000 up to Rs 50,00,000
• On proposer death: premium waiver plus monthly income of 1% of SA until maturity
• On child death during term: 25% of SA plus bonus or total premiums paid (whichever higher)

Bonus: Simple Reversionary Bonus + Terminal Bonus (terminal payable after 10 yrs in force)

• Whole-life cum endowment cover up to maturity
• Sum assured plus bonus on death
• Large-sum-assured premium discounts
• Accidental and disability rider options

Bonus: —

• Annual survival benefit of 5% of sum assured during the term
• Maturity pays SA less survival payments plus accrued bonus
• Accidental death benefit equal to SA or NPR 1 crore (lower)
• TPD: full SA in 120 monthly installments

Bonus: Rs 60-82 per 1,000 sum assured/yr (whole-life range, FY 2081/82)

• Whole-life cover with accrued bonus
• Staged survival benefits at ages 75/80/85
• SA + accrued bonus at maturity
• ADB rider Rs 1 per thousand

Bonus: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

• Single policy covering both spouses
• On first death: sum assured to survivor + premiums waived
• On second death: sum assured plus bonus to nominee
• With-profit participation

Bonus: Rs 30-60 per 1,000 sum assured/yr (FY 2081/82)

• Lifetime protection / coverage continues to age 100
• Acts as an estate-planning vehicle
• Death during premium term pays Sum Assured plus vested bonus
• Participating plan earning annual reversionary bonus

Bonus: Rs 30-60 per 1,000 sum assured/yr (Bal Kiran, FY 2080/81)

• 4% of Sum Assured paid annually from policy year 4 until year before maturity
• At maturity pays [125% - (U-4)x4%] of SA plus vested bonus
• Before risk commencement: all premiums refunded on death
• After risk: death benefit greater of 25% SA + bonus or total premiums paid

Bonus: Non-participating (no surrender or paid-up value)

• Covers husband and wife under one policy
• Full sum assured plus 10% funeral expense on death of either spouse
• Accidental total permanent disability pays full sum assured in 120 monthly installments
• Single premium, term 2-5 years

Bonus: Rs 25-41 per 1,000 sum assured/yr by term band (FY 2080/81, Sulav Bal family)

• Builds corpus for child's education/marriage
• Single, limited and regular pay options
• Premium Waiver covers all future premiums on proposer death/disability
• Monthly Income Benefit 1% of sum assured paid in arrears

Bonus: Simple reversionary bonus declared annually (with-profit)

• Joint life cover for policyholder and spouse
• Normal death 150% risk coverage; accidental death 250% risk coverage
• Free insurance cover to spouse up to 50% of Sum Assured
• Fixed 15-year term, premium paying term equal to term

Bonus: Rs 60 per 1,000 sum assured per year (FY 2080/81)

• Endowment plan specifically for daughters, promoting girls' education and welfare
• Run in collaboration with local governments for underprivileged families
• Lump-sum maturity benefit payable at the girl's age 18
• Aims to address gender-specific vulnerabilities and education access

Bonus: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

• Sum assured returned in three installments (33%/33%/34%+bonus)
• 5% of SA paid annually for 20 years after maturity
• Guaranteed total return of 200% of sum assured
• Terms of 12, 15, 18 or 21 years

Bonus: —

• Flexible single or limited premium paying terms (5/10/15/20 yrs)
• Sum assured plus vested bonus on maturity and on death within term
• Accidental death cover up to NPR 1 crore
• Monthly income benefit on PTD up to 120 installments

Bonus: Participating (accrued bonus)

• Limited premium payment term endowment
• Min SA Rs 50,000
• Loan and surrender available after 3 yrs
• Long terms up to 54 yrs

Bonus: Rs 60-82 per 1,000 sum assured/yr (FY 2081/82)

• With-profit endowment with reversionary bonus
• SA + accrued bonus at maturity and on death
• Flexible premium modes
• Optional accident and critical-illness riders

Bonus: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

• Limited premium payment shorter than policy term
• Bonus accrues for full term
• Sum assured plus bonus on death or maturity
• Loan up to 90% of surrender value

Bonus: Rs 35-70 per 1,000 sum assured/yr (FY 2081/82)

• Lifetime cover to age 100
• Participating plan with annual bonus
• Limited and single premium options
• Estate planning vehicle

Bonus: Rs 32-63 per 1,000 sum assured/yr (Kalpadhan, FY 2080/81)

• Periodic survival benefits e.g. 10-yr: 30% (yr3), 20% (yr6), 50%+bonus (yr10)
• 25-yr: 20% at yrs 6/12/18 then 40%+bonus at yr25
• Whole-life protection element continues after money-back term
• Critical illness cover for 21 conditions