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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

7 matching

National LifePension PlanPensionLowest premiumCompare

Annual premium

Rs 20,050/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

10–40 yr

Entry age

20–60

Features

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

Deferred annuity / retirement plan accumulating to maturity, then paying an annuity (5 options) from one month after maturity.

Plan details

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
No health checkup required

Himalayan LifeHimalayanLife Pension PlanPensionCompare

Annual premium

Rs 24,950/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

10–54 yr

Entry age

18–65

Features

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

Deferred pension/annuity plan converting maturity proceeds into a lifetime income.

Plan details

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
ADB/TPD riders up to NPR 1 crore

Asian LifeAsian Annuity / Pension PlanPensionCompare

Annual premium

Rs 25,865/yr

Claim ratio

98.85%

Sum assured

Rs 5 lakh

Policy term

5–54 yr

Entry age

16–60

Features

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

Deferred pension/annuity plan; premium term 5-54 yrs, entry 18-60, annuity from age 40-70, min monthly annuity Rs 250 with optional 3% escalation.

Plan details

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
Optional 3% annual annuity growth

MetLifeSubhabisya Beema (Retirement Plan)PensionCompare

Annual premium

On request

Claim ratio

85.23%

Sum assured

Rs 50,000–Rs 5 crore

Policy term

10–30 yr

Entry age

18–55

Features

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

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

Retirement and pension plan that builds a maturity corpus and converts it into lifetime or 20-year guaranteed monthly income, with coverage continuing to age 100.

Plan details

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
Sum assured up to NPR 50,000,000
NIA Product Code NIA/LI005/2067/068/EP/0009

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Himalayan LifeHimalayan Surakshit Bhavisya Jeevan Beema YojanaPensionCompare

Annual premium

Rs 26,275/yr

Claim ratio

98.09%

Sum assured

Rs 5 lakh

Policy term

10–30 yr

Entry age

18–60

Features

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

Retirement plan paying a 6%-of-sum-assured annual pension for life after the premium term, plus whole-life cover.

Plan details

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
ADB and TPD/premium-waiver riders up to NPR 50 lakh

MetLifeFuture Care DPSPensionCompare

Annual premium

On request

Claim ratio

85.23%

Sum assured

Rs 1.5 crore

Policy term

5–20 yr

Entry age

18–54

Features

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

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

Deposit-pension-scheme style savings plan where premiums accumulate at a market-linked yield to provide a maturity lump sum that can be taken as a 20-year guaranteed life annuity, with optional life and accident cover.

Plan details

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
Flexible annual premium from Rs 12,000 to Rs 3,000,000
Face amount up to NPR 15,000,000

National LifeAnnuity PlanPensionCompare

Annual premium

Rs 27,795/yr

Claim ratio

84.6%

Sum assured

Rs 5 lakh

Policy term

10–40 yr

Entry age

20–60

Features

Bonus: —

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

Annuity plan providing regular retirement income payouts; companion to the deferred Pension Plan.

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.