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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

24 matching

SuryaJyotiSuryaJyoti Chaurasi Puja Jeevan Beema (Limited Payment Anticipated Whole Life)Whole LifeLowest premium
Annual premium
Rs 7,885/yr
Claim ratio
97.5%
Sum assured
Rs 5 lakh
Policy term
10–50 yr
Entry age
18–60
Features

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
Limited-payment anticipated whole-life plan maturing at age 82 (Chaurasi), paying bonus then 6% annual survival benefits and 150% of SA at maturity, with high death cover.
Plan details
  • 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
  • 150% of sum assured paid at maturity
Reliable LifeReliable Endowment and Whole Life Insurance PolicyWhole Life
Annual premium
Rs 28,520/yr
Claim ratio
97.92%
Sum assured
Rs 5 lakh
Policy term
5–54 yr
Entry age
18–65
Features

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
Combined endowment + whole-life plan; maturity benefit roughly twice the insured amount (sum assured plus accumulated bonus).
Plan details
  • 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
  • Optional accident, disability, critical-illness and hospitalization riders
Himalayan LifeHimalayanLife Jeewan SurakshyaWhole Life
Annual premium
Rs 29,140/yr
Claim ratio
98.09%
Sum assured
Rs 5 lakh
Policy term
15–54 yr
Entry age
18–55
Features

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
Endowment-cum-whole-life plan with continued accidental death cover after maturity up to age 70.
Plan details
  • 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
  • CI up to NPR 25 lakh, PA up to NPR 50 lakh riders
Sun NepalSun Life Nabeen Ajeewan Jeevan Beema (Naveen Whole Life)Whole Life
Annual premium
Rs 29,520/yr
Claim ratio
98.71%
Sum assured
Rs 5 lakh
Policy term
5–52 yr
Entry age
18–65
Features

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
Combines an endowment payout at end of premium term with whole-life cover up to age 100; survival benefit of sum assured plus bonus at premium-term end, and again at age 100 if unclaimed.
Plan details
  • 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
  • Minimum sum assured Rs 100,000
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Citizen LifeCitizen Jeevan Sarathi YojanaWhole Life
Annual premium
Rs 28,587/yr
Claim ratio
93.9%
Sum assured
Rs 5 lakh
Policy term
30–72 yr
Entry age
18–60
Features

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
Whole-life/retirement plan with limited premium payment, providing lifelong cover to age 90, periodic survival income (20% of SA from age 70) and sum assured plus bonus.
Plan details
  • 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
  • Policy loan up to 90% of surrender value; loan up to 50% of survival benefit
Nepal LifeJeevan Sahara Beema YojanaWhole Life
Annual premium
Rs 27,777/yr
Claim ratio
90.54%
Sum assured
Rs 5 lakh
Policy term
5–54 yr
Entry age
18–65
Features

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
Whole-life endowment plan with cover continuing to age 70; SA + bonus at maturity and on death.
Plan details
  • 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
  • Loan up to 90% of surrender value
Asian LifeSukhi Jiwan Plus (Whole Life Endowment)Whole Life
Annual premium
Rs 30,650/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 (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
Whole-life endowment with min SA Rs 100,000, terms 5-30 yrs, entry 18-65, maturity age 70; participating with reversionary and terminal bonus.
Plan details
  • Whole-life cum endowment cover up to maturity
  • Sum assured plus bonus on death
  • Large-sum-assured premium discounts
  • Accidental and disability rider options
  • Premium waiver option
National LifeJeevan Amrit (Endowment cum Whole Life) PlanWhole Life
Annual premium
Rs 27,795/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)

  • Combined endowment + whole-life cover
  • Sum assured plus bonus on maturity
  • With-profit participation
  • Loan facility
Endowment-cum-whole-life: pays sum assured plus bonus on maturity, with whole-life death cover continuing after maturity.
Plan details
  • Combined endowment + whole-life cover
  • Sum assured plus bonus on maturity
  • With-profit participation
  • Loan facility
  • Tax exemption under ITA 2058
IME LifeIME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)Whole Life
Annual premium
Rs 29,455/yr
Claim ratio
79.9%
Sum assured
Rs 5 lakh
Policy term
5–52 yr
Entry age
18–65
Features

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)
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 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)
  • Six optional riders
  • Loan and tax benefits
Sanima RelianceLimited Payment Endowment Assurance Cum Whole Life (Dhanasanchaya)Whole Life
Annual premium
Rs 32,950/yr
Claim ratio
80.97%
Sum assured
Rs 5 lakh
Policy term
5–30 yr
Entry age
18–65
Features

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
Limited premium paying endowment-cum-whole-life plan; pay for a limited term and enjoy whole-life cover to age 100.
Plan details
  • Limited premium paying term with whole-life protection
  • Coverage continues to age 100
  • Single premium option available
  • Death post-endowment pays full Sum Assured
  • Participating plan with annual bonus
Prabhu MahalaxmiAmulya Jeevan Beema (Endowment cum Whole Life Plan)Whole Life
Annual premium
On request
Claim ratio
98.33%
Sum assured
Rs 1 lakh–Rs 5 crore
Policy term
5–59 yr
Entry age
11–65
Features

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

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

Endowment-cum-whole-life plan providing lifelong protection with bonus accumulation and a survival/maturity payout.
Plan details
  • 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
  • Policy loan facility
LIC NepalJeevan AnandWhole Life
Annual premium
On request
Claim ratio
92.69%
Sum assured
Rs 1 lakh
Policy term
5–25 yr
Entry age
18–65
Features

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

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

Endowment-cum-whole-life plan: pays sum assured plus vested bonus at end of premium paying term, and continues whole-life death cover equal to sum assured thereafter at no extra premium.
Plan details
  • 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
  • Riders available from age 18 to 70
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MetLifeDouble Protection Plus PlanWhole Life
Annual premium
Rs 46,575/yr
Claim ratio
85.23%
Sum assured
Rs 5 lakh
Policy term
10–20 yr
Entry age
18–65
Features

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
Participating long-term protection plan with cover to age 75, double death benefit, guaranteed loyalty rewards and a yield-linked booster fund, available on single or limited (5/10-year) premium payment.
Plan details
  • 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
  • Yield-linked booster fund up to Rs 60 per 1,000 FA per year
  • Single, 5-pay or 10-pay premium options with cover to age 75
Rastriya JeevanWhole Life Assurance PlanWhole Life
Annual premium
On request
Claim ratio
—
Sum assured
Rs 25,000
Policy term
—
Entry age
16–60
Features

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

  • Lifelong life cover with no fixed maturity date
  • Sum assured plus accumulated bonuses paid to nominee on death
  • Lower premium per unit of permanent protection than endowment plans
  • Builds surrender value and supports policy loans after 3 years

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

Lifelong protection plan that pays the sum assured plus accrued bonuses to nominees on death whenever it occurs, with limited or regular premium-paying options; lowest premium per unit of permanent cover.
Plan details
  • Lifelong life cover with no fixed maturity date
  • Sum assured plus accumulated bonuses paid to nominee on death
  • Lower premium per unit of permanent protection than endowment plans
  • Builds surrender value and supports policy loans after 3 years
  • Annual reversionary bonus accrual
Himalayan LifeHimalayan Endowment Cum Whole Life Insurance PlanWhole Life
Annual premium
Rs 29,500/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 at maturity
  • Additional sum assured on survival to age 100 (whole-life element)
  • Sum assured plus accrued bonus on death during term
  • Accidental death cover up to NPR 1 crore
Endowment combined with whole-life cover, paying at maturity and again on survival to age 100.
Plan details
  • Sum assured plus accrued bonus at maturity
  • Additional sum assured on survival to age 100 (whole-life element)
  • Sum assured plus accrued bonus on death during term
  • Accidental death cover up to NPR 1 crore
  • Loan after 3 years of premiums paid
Nepal LifeAnmol Jeevan Beema YojanaWhole Life
Annual premium
Rs 31,259/yr
Claim ratio
90.54%
Sum assured
Rs 5 lakh
Policy term
5–50 yr
Entry age
18–65
Features

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
Whole-life plan with post-maturity survival benefits at ages 75/80/85 and SA + accrued bonus.
Plan details
  • 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
  • Loan up to 90% of surrender value
National LifeAmrit Shree Anticipated Endowment and Whole Life PlanWhole Life
Annual premium
Rs 34,104/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 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82

  • Two options: anticipated endowment or anticipated + whole life
  • Periodic survival payouts at regular intervals
  • Full sum assured on death without deducting paid survival benefits
  • Loan facility
Money-back plan with two options: periodic payouts during term (Option 1) or periodic payouts plus whole-life protection (Option 2).
Plan details
  • Two options: anticipated endowment or anticipated + whole life
  • Periodic survival payouts at regular intervals
  • Full sum assured on death without deducting paid survival benefits
  • Loan facility
  • Tax exemption under ITA 2058
IME LifeIME Money Back cum Whole Life Plan (IME Kalpadhan)Whole Life
Annual premium
Rs 36,790/yr
Claim ratio
79.9%
Sum assured
Rs 5 lakh
Policy term
10–25 yr
Entry age
18–60
Features

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
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
  • 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
  • Single or limited premium options
  • Loan and tax benefits
Sanima RelianceEndowment Assurance Cum Whole Life (Sukhamaya)Whole Life
Annual premium
Rs 37,500/yr
Claim ratio
80.97%
Sum assured
Rs 5 lakh
Policy term
5–52 yr
Entry age
18–65
Features

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
Endowment-cum-whole-life plan giving lifetime protection up to age 100. Pays sum assured plus vested bonus at end of premium term, then a fully paid-up whole life cover continues.
Plan details
  • 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
  • Multiple premium payment frequencies
LIC NepalNew Jeevan TarangWhole Life
Annual premium
On request
Claim ratio
92.69%
Sum assured
Rs 2 lakh
Policy term
10–20 yr
Entry age
18–60
Features

Bonus: Reversionary bonus declared annually during accumulation (with-profit)

  • Annual survival benefit of 5.50% of Sum Assured payable after premium paying term till age 99
  • Cover up to age 100 (whole life)
  • Premium paying term of 10, 15 or 20 years
  • Sum Assured payable on survival to age 100

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

Limited-premium with-profit whole life plan paying an annual survival benefit of 5.5% of sum assured for life after the premium term, with sum assured payable at age 100.
Plan details
  • Annual survival benefit of 5.50% of Sum Assured payable after premium paying term till age 99
  • Cover up to age 100 (whole life)
  • Premium paying term of 10, 15 or 20 years
  • Sum Assured payable on survival to age 100
  • Entry age 18-60, maturity at 100
  • Minimum Sum Assured Rs 2,00,000
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National LifeTraditional Whole Life PolicyWhole Life
Annual premium
Rs 34,104/yr
Claim ratio
84.6%
Sum assured
Rs 5 lakh
Policy term
—
Entry age
16–65
Features

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

  • Lifelong death cover
  • With-profit (participating) bonus accrual
  • Loan facility against policy
  • Surrender/paid-up options
Whole-of-life cover paying sum assured plus accrued bonus on death, with participation in company profits.
Plan details
  • Lifelong death cover
  • With-profit (participating) bonus accrual
  • Loan facility against policy
  • Surrender/paid-up options
  • Tax exemption under ITA 2058
Sanima RelianceEndowment / Whole Life (Dirghayu)Whole Life
Annual premium
Rs 37,500/yr
Claim ratio
80.97%
Sum assured
Rs 5 lakh
Policy term
5–52 yr
Entry age
18–65
Features

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
Endowment-cum-whole-life plan offering lifetime protection to age 100 with limited premium payment.
Himalayan LifeHimalayan Limited Payment (Endowment Cum Whole Life) PlanWhole Life
Annual premium
Rs 47,825/yr
Claim ratio
98.09%
Sum assured
Rs 5 lakh
Policy term
5–30 yr
Entry age
18–65
Features

Bonus: —

  • Limited premium payment over 1-25 years while cover continues
  • Sum assured plus vested bonus on maturity and on death during term
  • Sum assured only on death after maturity (whole-life cover)
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
Limited-pay endowment-cum-whole-life plan that keeps cover in force after a short premium-paying period.
Plan details
  • Limited premium payment over 1-25 years while cover continues
  • Sum assured plus vested bonus on maturity and on death during term
  • Sum assured only on death after maturity (whole-life cover)
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
  • TPD payable in 120 monthly installments; policy loan and tax benefits
Nepal LifeSadabahar Jeevan Beema YojanaWhole Life
Annual premium
Rs 47,921/yr
Claim ratio
90.54%
Sum assured
Rs 5 lakh
Policy term
5–20 yr
Entry age
18–65
Features

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

  • 5% SA survival benefit paid annually from 2nd year
  • Death benefit SA + bonus during term
  • Continued cover with SA payout after term
  • Single-premium option available
Money-back-style whole-life paying 5% SA annually from year 2; maturity = SA less survival benefits paid + bonus.
Plan details
  • 5% SA survival benefit paid annually from 2nd year
  • Death benefit SA + bonus during term
  • Continued cover with SA payout after term
  • Single-premium option available
  • Loan up to 90% of surrender 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.