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Life insurance — compare policies

We found 210 products

Endowment, term, whole-life, child & pension plans from Nepal's 14 life insurers. The Nepal Insurance Authority (NIA) licenses 14 life and 14 non-life insurers. Compare their policies by premium, sum assured/insured, policy term, entry age and claim-settlement ratio — the key trust metric when choosing cover.

Life Insurance Non-Life Insurance

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Protection plans

Plan typePlans

Term29See more

Endowment68See more

Whole Life24See more

Savings & family

Plan typePlans

Money-back39See more

Child22See more

Pension7See more

More plans

Plan typePlans

Unit-linked1See more

Foreign Employment7See more

Micro13See more

SortCompanyMin claim ratioMax premiumEligible at ageLoan against policy

68 matching

Asian LifeDampati Suraksha Plus (Joint Life Plus)EndowmentLowest premiumCompare

Annual premium

Rs 3,210/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

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

Joint-life (couple) endowment with death benefit rising 100-250% of sum assured by duration; min SA Rs 50,000, terms 5-30 yrs.

Plan details

Joint-life cover for couples
Death benefit progresses 100%-250% of SA by policy duration
Min SA Rs 50,000
Terms 5-30 yrs
Entry 18-65, maturity age 70

SuryaJyotiSuryaJyoti Surakshit Bhawishya Jeevan Beema (Endowment cum Whole Life)EndowmentCompare

Annual premium

Rs 7,885/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–65

Features

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

Endowment-cum-whole-life plan paying basic sum assured plus bonus at maturity, with an additional sum assured paid on death after maturity.

Plan details

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
Rider max benefit Rs 1,00,00,000 or basic sum assured, whichever lower

Reliable LifeReliable Dhanapati Life InsuranceEndowmentCompare

Annual premium

Rs 17,030/yr

Claim ratio

97.92%

Sum assured

Rs 5 lakh

Policy term

10–40 yr

Entry age

18–55

Features

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

High-value long-term endowment with a Rs 50 lakh minimum sum assured and optional accidental rider.

Plan details

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
Entry age 18-55

Prabhu MahalaxmiSambridhha Jeevan Beema (Endowment Plan - Regular)EndowmentCompare

Annual premium

Rs 22,736/yr

Claim ratio

98.33%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–65

Features

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

Flagship participating endowment plan combining savings and life protection; pays sum assured plus vested bonus on maturity or death.

Plan details

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
Yearly, half-yearly, quarterly and monthly premium modes
Sum-assured and mode-based premium discounts

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Sun NepalSunlife Endowment Assurance Life InsuranceEndowmentCompare

Annual premium

Rs 24,200/yr

Claim ratio

98.71%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–65

Features

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

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.

Plan details

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
Monthly, quarterly, half-yearly or annual premium modes

Himalayan LifeHimalayan Endowment PlanEndowmentCompare

Annual premium

Rs 24,225/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

5–59 yr

Entry age

18–65

Features

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

Traditional with-profits endowment with flexible 5-59 year term and built-in accidental/disability riders.

Plan details

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
Premium rebates for annual/half-yearly payment

Citizen LifeCitizen Endowment Plus Insurance PlanEndowmentCompare

Annual premium

Rs 21,980/yr

Claim ratio

93.9%

Sum assured

Rs 5 lakh

Policy term

5–35 yr

Entry age

18–65

Features

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

With-profit endowment plan combining savings and protection, paying enhanced death benefit (2x natural / 3x accidental) and sum assured plus bonus at maturity.

Plan details

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
Single-pay and regular-pay options available

Nepal LifeSunaulo Bhabisya Jeevan Beema YojanaEndowmentCompare

Annual premium

Rs 25,370/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

5–35 yr

Entry age

18–65

Features

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

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.

Plan details

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
Policy loan up to 90% of surrender value

National LifeTraditional Endowment Assurance PlanEndowmentCompare

Annual premium

Rs 24,845/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

16–65

Features

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

Classic with-profit endowment paying sum assured plus accrued bonus on survival to maturity or on death during the term.

Plan details

Sum assured plus bonus on maturity
Sum assured plus bonus to nominee on death
With-profit (participating) plan
Loan facility against policy
Tax exemption under ITA 2058

MetLifeMidterm Growth PlanEndowmentCompare

Annual premium

Rs 35,150/yr

Claim ratio

85.23%

Sum assured

Rs 5 lakh

Policy term

12–22 yr

Entry age

18–60

Features

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

Participating anticipated endowment plan that pays 40% of the face amount at the policy midpoint and the remaining 60% plus accrued reversionary bonuses at maturity, with enhanced death cover after the midterm payout.

Plan details

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
Child coverage available up to NPR 5,000,000
Choice of 6 policy terms from 12 to 22 years

IME LifeIME Simple Endowment Plan (IME Saral Sawadhik Bima Yojana)EndowmentCompare

Annual premium

Rs 24,175/yr

Claim ratio

79.9%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–65

Features

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

A life insurance policy in Nepal is a contract with a licensed life insurer (e.g. Nepal Life, LIC Nepal, National Life, Reliable Life, Citizen Life, MetLife Nepal) where you pay regular premiums and the insurer pays a lump sum (and/or maturity/survival benefit) to your nominee on death or to you on maturity. The main types are endowment (savings + protection, maturity benefit), term (pure protection, low premium, no maturity value), whole-life (lifelong cover), child/education plans (proposer is parent/guardian, child is the insured life) and pension/annuity plans (build a corpus that pays a regular pension). It is regulated by the Nepal Insurance Authority (NIA) under the Insurance Act 2079, and buying involves completing a proposal form plus a KYC form, paying the first premium, and — depending on age and sum assured — undergoing medical underwriting before the policy is issued. Premiums on life policies also qualify for income-tax deduction up to the statutory limit, making endowment and pension plans popular savings vehicles in Nepal.

Plan details

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
Tax benefits on premium
Funeral expense rider: 25% of SA or Rs 200,000 whichever is less

Sanima RelianceSaral Endowment Assurance PolicyEndowmentCompare

Annual premium

Rs 28,800/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

7–52 yr

Entry age

18–60

Features

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

Simple participating endowment plan paying sum assured plus vested bonus at maturity or on earlier death.

Plan details

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
Participating with annual bonus

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Rastriya JeevanJeevan SurakshyaEndowmentCompare

Annual premium

Rs 23,251/yr

Claim ratio

—

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

16–65

Features

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

Endowment-class protection-and-savings plan; one of the company's named individual endowment variants providing maturity payout with bonus plus death cover during the term.

Plan details

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
Multiple premium-payment frequencies

LIC NepalEndowment PlanEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 50,000

Policy term

10–52 yr

Entry age

18–60

Features

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

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Classic with-profit endowment paying Sum Assured plus vested bonus on survival to maturity, or on death during term.

Plan details

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
Loan up to 90% of surrender value after 3 years
Riders available age 18-70

SuryaJyotiSuryaJyoti Samunnati Jeevan Beema (Limited Payment Endowment)EndowmentCompare

Annual premium

Rs 7,885/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–65

Features

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

Limited-premium endowment where premiums are paid for a shorter period than the policy term, paying sum assured plus bonus at maturity.

Plan details

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
Two benefit options including enhanced death cover

Reliable LifeSulav Jeevan BeemaEndowmentCompare

Annual premium

Rs 22,150/yr

Claim ratio

97.92%

Sum assured

Rs 5 lakh

Policy term

5–54 yr

Entry age

18–65

Features

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

Long-term with-profits endowment; one of the company's most popular plans, terms up to 54 years.

Plan details

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
Optional critical-illness and hospitalization cover

Asian LifeBhabisya Nidhi SawadhikEndowmentCompare

Annual premium

Rs 24,655/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

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

Provident-fund-style endowment with Golden/Diamond death-benefit options (150%-200% of SA by duration); min SA Rs 100,000, terms 5-30 yrs.

Plan details

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
Entry 18-65, maturity age 70

Prabhu MahalaxmiSuper Surakshit Beema (Endowment Plan)EndowmentCompare

Annual premium

Rs 23,755/yr

Claim ratio

98.33%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

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)

Best-selling participating endowment plan with affordable premiums, lump-sum maturity payout, double accidental-death benefit and critical-illness cover.

Plan details

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)
Wide eligibility: entry age 18-65, SA NPR 50,000-50,000,000
Participating - shares in declared bonus

Himalayan LifeHimalayan ShuvalabhEndowmentCompare

Annual premium

Rs 24,980/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

12–15 yr

Entry age

18–60

Features

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

Short-term endowment with a built-in guaranteed bonus plus loyalty bonus and escalating death cover.

Plan details

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
CI cover up to NPR 25 lakh and PA up to NPR 50 lakh

Citizen LifeCitizen Group Endowment PlanEndowmentCompare

Annual premium

Rs 21,980/yr

Claim ratio

93.9%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

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

With-profit group endowment combining life protection and savings for organisations, paying sum assured plus vested bonus at maturity (min NPR 400,000 per member).

Plan details

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
Designed for organizations covering employees/members

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Sun NepalSun Life Endowment Golden Plan (Sunlife Sawadhik Sunaulo Yojana)EndowmentCompare

Annual premium

Rs 36,490/yr

Claim ratio

98.71%

Sum assured

Rs 5 lakh

Policy term

10–20 yr

Entry age

18–55

Features

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

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.

Plan details

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
Participating - receives annual bonus

Nepal LifeNaulo Surakshit Jeevan Beema YojanaEndowmentCompare

Annual premium

Rs 25,799/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

5–55 yr

Entry age

18–70

Features

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

Standard with-profit endowment with high entry age (up to 70) and long terms.

Plan details

With-profit endowment
High entry age up to 70 years
Maturity and death benefit both SA + accrued bonus
Long terms up to 55 years
Policy loan after 3 years

National LifeJeewan Shree Sabadhik Amrit PlanEndowmentCompare

Annual premium

Rs 25,120/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

15–30 yr

Entry age

18–55

Features

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

With-profit endowment with annual survival payouts (money-back style) after premium term, maturity benefit plus bonus to age 80.

Plan details

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
Multiple limited premium-paying terms (15/20/25/30 yrs)

Sanima RelianceTriple Endowment Assurance Policy (Subha Laxmi)EndowmentCompare

Annual premium

Rs 28,800/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

10–52 yr

Entry age

18–60

Features

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

Endowment plan paying double sum assured on death and single sum assured at maturity, both with vested bonus.

Plan details

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
Participating with annual bonus

IME LifeIME Limited Payment Endowment Plan (IME Sabal Jeevan Beema Yojana)EndowmentCompare

Annual premium

Rs 67,225/yr

Claim ratio

79.9%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

18–60

Features

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

Short premium-paying term with long protection
Full Sum Assured plus vested bonus on death or maturity
Participating bonus accrual
Critical Illness cover for 21 conditions up to Rs 5,000,000

Plan details

Short premium-paying term with long protection
Full Sum Assured plus vested bonus on death or maturity
Participating bonus accrual
Critical Illness cover for 21 conditions up to Rs 5,000,000
Income benefit rider pays monthly/quarterly percentage of rider SA
Loan and tax benefits

Rastriya JeevanJoint Life Plan (Jeevan Sathi)EndowmentCompare

Annual premium

Rs 24,845/yr

Claim ratio

—

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

18–65

Features

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

Single endowment policy covering two lives (typically husband and wife, both gainfully employed); one policy, one premium covers the couple, with sum assured plus bonus paid on death of either/both or at maturity.

Plan details

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
Policy loan available once surrender value is acquired

LIC NepalJeevan ShreeEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 5 lakh

Policy term

15 yr

Entry age

18–50

Features

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

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

High-value 15-year endowment with guaranteed additions for the first 5 years plus reversionary bonus thereafter; limited premium options.

Plan details

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
Minimum Sum Assured Rs 5,00,000
Riders available age 18-65

Himalayan LifeHimalayanLife Saral BeemaEndowmentCompare

Annual premium

Rs 24,980/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

10–49 yr

Entry age

18–55

Features

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

Simple low-cost with-profits endowment with low minimum sum assured and wide term range.

Plan details

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
CI up to NPR 25 lakh, PA up to NPR 50 lakh

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SuryaJyotiSuryaJyoti Professional Endowment Insurance PolicyEndowmentCompare

Annual premium

Rs 23,800/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–65

Features

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

Endowment for corporate professionals that can secure employer-provided loans, with death/disability cover during the term and maturity benefit at end.

Plan details

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
Monthly premium mode available; TPD paid in 120 monthly installments

Asian LifeNava Ratna EndowmentEndowmentCompare

Annual premium

Rs 28,800/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

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

Flexible-term participating endowment (terms 5-30 yrs); min SA Rs 50,000, entry 18-65, maturity age 70.

Plan details

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
Entry 18-65, maturity age 70

Reliable LifeReliable Endowment Life InsuranceEndowmentCompare

Annual premium

Rs 32,180/yr

Claim ratio

97.92%

Sum assured

Rs 5 lakh

Policy term

5–54 yr

Entry age

18–65

Features

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

Flagship with-profits endowment plan paying sum assured plus accrued bonus on death or maturity.

Plan details

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
Medical exam required above age 50 for rider issuance

Nepal LifeJeevan Sarathi Beema YojanaEndowmentCompare

Annual premium

Rs 28,725/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

15–30 yr

Entry age

18–50

Features

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

Joint-life (husband and wife) with-profit endowment; full SA + vested bonuses paid if either or both survive to maturity.

Plan details

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
Loan up to 90% of surrender value

National LifeYakal Sabadhik Amrit (Single Premium Endowment)EndowmentCompare

Annual premium

Rs 25,120 once

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

12–60

Features

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

Single-premium endowment plan paying sum assured plus accrued bonus at maturity or on death.

Plan details

One-time single premium payment
Sum assured plus bonus on maturity or death
With-profit participation
Loan facility
No recurring premium obligations

Sanima RelianceJoint Life Endowment Assurance Policy (Dampati)EndowmentCompare

Annual premium

Rs 28,800/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

15–30 yr

Entry age

21–50

Features

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

Joint endowment covering both spouses; first death pays sum assured, second death/maturity pays sum assured plus vested bonus.

Plan details

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
Participating with annual bonus

Rastriya JeevanGroup Endowment Life Assurance (incl. Rastra Sewak / Public Servants Collective Endowment)EndowmentCompare

Annual premium

Rs 24,845/yr

Claim ratio

—

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

16–60

Features

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)

Group savings-plus-protection endowment for organisations and government employees (Rastra Sewak), combining life cover with maturity benefits; premiums often via salary deduction and structured by group size/risk.

Plan details

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)
Cost-effective bulk enrolment for large organisations and public bodies

Sun NepalNawa DhanaLaxmi Jeevan Beema (Limited Payment Endowment)EndowmentCompare

Annual premium

On request

Claim ratio

98.71%

Sum assured

—

Policy term

10–20 yr

Entry age

18–60

Features

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

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.

Plan details

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
Participating - accrued bonus added

Prabhu MahalaxmiSambridhha Jeevan Beema (Endowment Plan - Single)EndowmentCompare

Annual premium

Rs 2,85,850 once

Claim ratio

98.33%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–65

Features

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

Single-premium variant of the Sambridhha Jeevan endowment plan; one lump-sum premium with maturity sum assured plus bonus.

Plan details

Single lump-sum premium endowment
Sum assured plus vested bonus at maturity
Full death cover during term
Eligible for policy loan
Participates in profit/bonus declarations

LIC NepalBima Kiran PlanEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 1 lakh–Rs 25 lakh

Policy term

—

Entry age

—

Features

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

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

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
No policy loan or surrender value

SuryaJyotiSuryaJyoti Sawadhik Jeevan Beema (Endowment)EndowmentCompare

Annual premium

Rs 24,950/yr

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

5–52 yr

Entry age

18–60

Features

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

Low entry sum assured of Rs 25,000
Death cover with bonus throughout term
Maturity payout of sum assured plus bonus
Policy terms 5 to 52 years

Traditional with-profit endowment paying sum assured plus bonus at maturity or on earlier death.

Plan details

Low entry sum assured of Rs 25,000
Death cover with bonus throughout term
Maturity payout of sum assured plus bonus
Policy terms 5 to 52 years
Optional critical illness cover up to Rs 50,00,000

Himalayan LifeHimalayan Jeevan Aawaran Insurance PlanEndowmentCompare

Annual premium

Rs 29,400/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

7–25 yr

Entry age

18–50

Features

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

Endowment with enhanced death cover (additional sum assured) and monthly-income/TPD benefits.

Plan details

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
Maturity pays SA plus vested bonus

Asian LifeAsian Limited Payment Endowment (Jeevan Ratna)EndowmentCompare

Annual premium

Rs 31,801/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–60

Features

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

Limited-pay participating endowment; min SA Rs 50,000, terms 5-54 yrs, entry 18-60, loan and surrender after 3 yrs.

Plan details

Limited premium payment term endowment
Min SA Rs 50,000
Loan and surrender available after 3 yrs
Long terms up to 54 yrs
Entry 18-60, maturity age 70

Nepal LifeSammunat Jeevan Beema YojanaEndowmentCompare

Annual premium

Rs 29,676/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–60

Features

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

With-profit endowment paying double SA on natural death and triple SA on accidental death during the term.

Plan details

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

National LifeSanjivani Sawadhik Amrit Jeevan BimalekhEndowmentCompare

Annual premium

Rs 25,120/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

12–20 yr

Entry age

12–65

Features

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

Non-linked with-profit endowment with a graduated (increasing) death-benefit scale rising from 100% to 200% of sum assured over the term.

Plan details

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
NIA code NIA/LI002/2075/076/EP/0032

Sanima RelianceGroup Endowment Assurance PolicyEndowmentCompare

Annual premium

Rs 28,800/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

—

Entry age

18–65

Features

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)

Group endowment plan for organisations; pays sum assured plus bonus on maturity or earlier death of covered members.

Rastriya JeevanEndowment Life AssuranceEndowmentCompare

Annual premium

Rs 24,845/yr

Claim ratio

—

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

16–65

Features

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

Core individual savings-plus-protection plan: pays sum assured plus vested bonuses on maturity, or sum assured plus accrued bonus on death within the term. Available on limited-pay terms.

Plan details

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
Flexible premium modes (annual/semi-annual/quarterly/monthly) with standard loadings

Sun NepalBhagyodaya Jeevan Beema (Single Premium Endowment)EndowmentCompare

Annual premium

On request

Claim ratio

98.71%

Sum assured

—

Policy term

5–52 yr

Entry age

18–65

Features

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

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Single-premium participating endowment: one-time payment secures savings plus life cover, with full sum assured plus bonuses at maturity or on death.

Plan details

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
Hassle-free savings plus life cover

Reliable LifeSajilo Jeevan BeemaEndowmentCompare

Annual premium

On request

Claim ratio

97.92%

Sum assured

Rs 50,000–Rs 1 crore

Policy term

5–25 yr

Entry age

18–65

Features

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

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.

Plan details

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
Max maturity age 70

LIC NepalJeevan SaathiEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 2 lakh

Policy term

15 yr

Entry age

18–75

Features

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

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Joint-life with-profit endowment covering policyholder and spouse, with enhanced accidental cover and free continued cover for the surviving spouse.

Plan details

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
Loan up to 90% of surrender value
Minimum Sum Assured Rs 2,00,000, no max

SuryaJyotiSuryaJyoti Yekal-Simit Awadhi Bhuktani Jeevan Beema (Single Payment Endowment)EndowmentCompare

Annual premium

Rs 24,950 once

Claim ratio

97.5%

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

18–65

Features

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

Single one-time premium payment
Policy terms of 5, 10, 15, 20 or 25 years
Minimum sum assured Rs 50,000
Two benefit options including enhanced death cover

Single-premium endowment paying sum assured plus bonus at maturity or on death, with an optional enhanced death benefit.

Plan details

Single one-time premium payment
Policy terms of 5, 10, 15, 20 or 25 years
Minimum sum assured Rs 50,000
Two benefit options including enhanced death cover
Optional critical illness and accidental cover

Himalayan LifeHimalayan Jeevan SampannaEndowmentCompare

Annual premium

Rs 29,400/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

5–25 yr

Entry age

18–60

Features

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

Flexible-premium endowment with single or limited-pay options and rich term/PPT matrix.

Plan details

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
Loan after 3 yrs (single) or 2 yrs/2 full premiums (regular)

Asian LifeJeevan Mangal Endowment Life PlanEndowmentCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–15 yr

Entry age

18–60

Features

Bonus: Participating (accrued bonus)

Short-term endowment 5-15 yrs
On death: funeral expense (10% of SA or Rs 50,000, lower), premium waiver, plus 10% of SA annual income to term end
Min SA Rs 50,000
Loan after 3 yrs

Short-term (5-15 yr) endowment with funeral benefit plus annual family income on death; min SA Rs 50,000, entry 18-60.

Plan details

Short-term endowment 5-15 yrs
On death: funeral expense (10% of SA or Rs 50,000, lower), premium waiver, plus 10% of SA annual income to term end
Min SA Rs 50,000
Loan after 3 yrs
Single or regular premium

Nepal LifeJeevan Jyoti Beema YojanaEndowmentCompare

Annual premium

Rs 31,825/yr

Claim ratio

90.54%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

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

With-profit endowment savings-and-protection plan in NLIC's endowment range.

Plan details

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

National LifeYakal Sanjeevani Sabadhik Amrit (Single Premium Endowment)EndowmentCompare

Annual premium

Rs 25,120 once

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

12–20 yr

Entry age

12–65

Features

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

Single-premium with-profit endowment: one-time premium, sum assured plus bonus on maturity or death.

Plan details

One-time single premium payment
Sum assured plus bonus on maturity or death
With-profit participation
Loan facility
No recurring premium obligations

Sanima RelianceLimited Endowment Assurance (Simit Bhuktani Sawadik)EndowmentCompare

Annual premium

Rs 32,950/yr

Claim ratio

80.97%

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

18–65

Features

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

Limited premium paying endowment with increasing risk coverage every 5 years; flexible premium payment terms.

Plan details

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
Participating with annual bonus

Rastriya JeevanJeevan Bandhu (Double Benefit Life Insurance Plan)EndowmentCompare

Annual premium

Rs 27,146/yr

Claim ratio

—

Sum assured

Rs 5 lakh

Policy term

10–25 yr

Entry age

11–65

Features

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

Flagship double-benefit plan combining endowment and whole-life features: pays a benefit at end of term if the insured survives and a further benefit to nominees on death, so coverage continues beyond the term.

Plan details

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
Annual bonus accrual and loan facility against surrender value

LIC NepalJeevan BachatEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 25,000

Policy term

5–25 yr

Entry age

18–65

Features

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

Single-premium with-profit endowment
Simple reversionary bonuses declared annually
High Sum Assured rebate: Rs 25/1000 (SA 2-5 lakh), Rs 40/1000 (SA 5 lakh+)
Settlement option to receive maturity over 5-10 years (min instalment Rs 1,000)

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.

Plan details

Single-premium with-profit endowment
Simple reversionary bonuses declared annually
High Sum Assured rebate: Rs 25/1000 (SA 2-5 lakh), Rs 40/1000 (SA 5 lakh+)
Settlement option to receive maturity over 5-10 years (min instalment Rs 1,000)
Surrender available after 1 year; loan up to 90% of surrender value
Term 5 to 25 years

Asian LifeAsian Sawadhik Plus (Endowment)EndowmentCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

Bonus: Simple Reversionary Bonus + Terminal Bonus (after min 10 yrs active)

Low entry sum assured of Rs 25,000
Endowment savings plus life cover
Reversionary and terminal bonus
Flexible terms 5-30 yrs

Core participating endowment plan; min SA Rs 25,000, terms 5-30 yrs, entry 18-65, maturity age 70.

Plan details

Low entry sum assured of Rs 25,000
Endowment savings plus life cover
Reversionary and terminal bonus
Flexible terms 5-30 yrs
Multiple rider options

Himalayan LifeHimalayanLife Single And Limited PaymentEndowmentCompare

Annual premium

Rs 44,600/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–65

Features

Bonus: —

Single-pay or limited-pay (5/10/15/20 yrs) options
Full sum assured plus bonus on maturity
Basic SA plus vested bonus on death before maturity
ADB up to NPR 1 crore

Endowment letting policyholders pay a single premium or over a limited 5-20 year period.

Plan details

Single-pay or limited-pay (5/10/15/20 yrs) options
Full sum assured plus bonus on maturity
Basic SA plus vested bonus on death before maturity
ADB up to NPR 1 crore
CI up to NPR 25 lakh, PA up to NPR 50 lakh

National LifeDampati Amrit Sawadhik Jeevan Beema (Couple/Joint Life)EndowmentCompare

Annual premium

Rs 28,205/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

5–30 yr

Entry age

18–60

Features

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

Joint-life endowment for couples: on first death sum assured paid to survivor with premiums waived; on second death/maturity sum assured plus bonus paid.

Plan details

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
Loan facility

LIC NepalJeevan UtsavEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 50,000–Rs 1 crore

Policy term

10–35 yr

Entry age

18–55

Features

Bonus: Reversionary bonus declared annually; Final Additional Bonus for terms 16 years and above

Maturity: Sum Assured + vested bonus + Final Additional Bonus
Death benefit of double the Basic Sum Assured plus bonuses
Final Additional Bonus available for terms 16 years and above
Sum Assured up to Rs 1 crore

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Participating endowment with reversionary bonus and Final Additional Bonus, doubling the basic sum assured on death.

Plan details

Maturity: Sum Assured + vested bonus + Final Additional Bonus
Death benefit of double the Basic Sum Assured plus bonuses
Final Additional Bonus available for terms 16 years and above
Sum Assured up to Rs 1 crore
Multiple premium modes (yearly/half-yearly/quarterly/monthly)
Rider sum assured up to Rs 75 lakh

Nepal LifeJeevan Laxmi Jeevan Beema YojanaEndowmentCompare

Annual premium

On request

Claim ratio

90.54%

Sum assured

Rs 5,000–Rs 1 lakh

Policy term

7–25 yr

Entry age

18–50

Features

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

Affordable small-sum endowment
Death benefit 2x SA + bonus (3x SA accidental)
Very flexible premium frequency incl. daily/fortnightly
Maturity = basic SA + bonus

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.

Plan details

Affordable small-sum endowment
Death benefit 2x SA + bonus (3x SA accidental)
Very flexible premium frequency incl. daily/fortnightly
Maturity = basic SA + bonus
Loan up to 90% of surrender value

Sanima RelianceSunishchit Pratiphal Assurance PlanEndowmentCompare

Annual premium

On request

Claim ratio

80.97%

Sum assured

—

Policy term

16–20 yr

Entry age

18–44

Features

Bonus: —

Guaranteed maturity multiplier (2x or 2.5x of premiums paid)
Short premium payment term of 5 or 7 years
Sum assured driven by chosen premium
Fixed terms of 16 or 20 years

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Short premium-paying guaranteed maturity multiplier endowment; pay for 5 or 7 years and receive a multiple of total premiums at maturity.

Asian LifeAsian Samuhik Myadi (Group Term)EndowmentCompare

Annual premium

Rs 36,850/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

1–15 yr

Entry age

18–69

Features

Bonus: —

Group/collective term cover
SA Rs 10,000-20 lakh
Single premium
Death during term pays SA, no survival benefit

Single-premium group term (SA Rs 10,000-20 lakh), term 1-15 yrs, entry 18-69; pure death cover.

Plan details

Group/collective term cover
SA Rs 10,000-20 lakh
Single premium
Death during term pays SA, no survival benefit
Entry 18-69, maturity age 70

National LifeBachat Amrit Sawadhik Jeevan Beema YojanaEndowmentCompare

Annual premium

Rs 28,205/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

10–20 yr

Entry age

11–55

Features

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

Savings-oriented limited-pay endowment: premiums paid for shorter period than term, sum assured plus accumulated bonus at maturity.

Plan details

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
Available terms 10/15/20 yrs

LIC NepalJeevan LabhEndowmentCompare

Annual premium

On request

Claim ratio

92.69%

Sum assured

Rs 50,000

Policy term

10–25 yr

Entry age

18–60

Features

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

Premium paying term is 5 years less than policy term (PPT 5/10/15/20 yrs)
Policy term options of 10/15/20/25 years
Sum Assured plus vested bonus at maturity
Funeral expense benefit of 25% of SA or Rs 100,000 (whichever lower)

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.

Plan details

Premium paying term is 5 years less than policy term (PPT 5/10/15/20 yrs)
Policy term options of 10/15/20/25 years
Sum Assured plus vested bonus at maturity
Funeral expense benefit of 25% of SA or Rs 100,000 (whichever lower)
Entry age 18-60, maturity up to 75
Optional accidental death and permanent disability riders

National LifeAmrit Shree Endowment PlanEndowmentCompare

Annual premium

Rs 34,800/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

5–20 yr

Entry age

14–65

Features

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

Sum assured plus bonus on maturity or death
Two options incl. whole-life protection variant
With-profit participation
Multiple riders available

Endowment plan paying sum assured plus bonus on maturity or death, with optional whole-life protection variant.

Plan details

Sum assured plus bonus on maturity or death
Two options incl. whole-life protection variant
With-profit participation
Multiple riders available
Tax exemption under ITA 2058

Asian LifeFamily Income Benefit PlanEndowmentCompare

Annual premium

On request

Claim ratio

98.85%

Sum assured

Rs 3 lakh

Policy term

24 yr

Entry age

18–53

Features

Bonus: Non-participating (no bonus)

12-year premium term covers 24-year policy
Sum assured = 12x annual premium (min Rs 3,00,000)
Family income on death of insured
Loan available after 3 years

Annual premium: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Non-participating limited-pay (12 yr) family-income endowment over 24-yr term; entry 18-53, min annual premium Rs 25,000, min SA Rs 300,000.

Plan details

12-year premium term covers 24-year policy
Sum assured = 12x annual premium (min Rs 3,00,000)
Family income on death of insured
Loan available after 3 years
Age-banded lump-sum maturity benefit

National LifeSaral Amrit (Term Insurance)EndowmentCompare

Annual premium

Rs 35,050/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

3–15 yr

Entry age

18–62

Features

Bonus: —

Single-premium term cover with maturity premium refund (with interest on longer terms)
Terms of 3/5/10/15 years
Sum assured plus ADB on accidental death
Loan facility and surrender after 1 year

Single-premium term plan suited to microfinance/loan cover, returning premium (with interest on longer terms) at maturity and paying sum assured on death.

Plan details

Single-premium term cover with maturity premium refund (with interest on longer terms)
Terms of 3/5/10/15 years
Sum assured plus ADB on accidental death
Loan facility and surrender after 1 year
Policy ownership transferable to banks/financial institutions (loan collateral)

Insurance

Premiums shown are illustrative samples (typically age 30, base plan) for comparison; your actual premium depends on age, sum assured, term and riders. Claim-settlement ratio is the latest published figure. Confirm with the insurer before buying.

Compiled from each insurer's published plan brochures and NIA disclosures.