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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 InsuranceNon-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

1 matching

Citizen Life logo
Citizen LifeCitizen Savings Growth PlanUnit-linkedLowest premium
Annual premium
Rs 12,000/yr
Claim ratio
93.9%
Sum assured
Rs 1.2 lakh
Policy term
10–20 yr
Entry age
18–55
Features

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)
Universal/account-value life plan blending protection with savings growth, paying the Account Value at maturity plus a guaranteed 3% loyalty bonus.
Plan details
  • 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)
  • ADB pays lump sum plus higher of Sum Assured or Account Value

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.