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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

24 matching

SuryaJyotiSuryaJyoti Chaurasi Puja Jeevan Beema (Limited Payment Anticipated Whole Life)Whole LifeLowest premiumCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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 LifeCompare

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.