One of Nepal's largest and oldest life insurers (est. 1988), offering endowment, money-back, whole life, term, child, pension and single-premium plans to over 1.5 million policyholders.
150
शाखा
—
एटीएम
21
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (21)
Bal Amrit 4 Endowment Policy (Children's Plan)
बाल
Children's endowment funding education/start-in-life; pays sum assured plus bonus at maturity, with proposer (parent) death benefit and premium waiver.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
0–15 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,375/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured/yr (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Children's plan: child age 5, proposer age 30, SA Rs 5,00,000, 20-yr term; rate 48.75 per 1,000 from API (plan code Y1) = Rs 24,375/yr. NOT the standard 30-yr-old-life profile (life assured is the child), shown for completeness.
Children's endowment funding education/start-in-life; pays sum assured plus bonus at maturity, with proposer (parent) death benefit and premium waiver.
राइडर: Waiver of Premium (Rs 2/1000)Accidental Death Benefit
योजना विवरण
परिपक्वता लाभ: Sum assured plus accrued bonus paid if child alive at maturity
सरेन्डर: Paid-up/surrender provisions available
Bal Bhagyodaya (Anticipated Endowment Children's Plan)
बाल
Children's money-back endowment with survival payouts at years 5 and 10, and 50% of sum assured plus bonus at maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15 yrs
प्रवेश उमेर
17–50 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 40,965/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured/yr (anticipated endowment, FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live API getPlanRate (code F). Term 20 returned 0; used nearest available term 15 (rate 82.93). Insured age 30, SA 5,00,000, yearly. Annual = (82.93-1.0)*500 = 40,965 (calc.js case 'F', rebate 1.0 for SA>=25k).
Children's money-back endowment with survival payouts at years 5 and 10, and 50% of sum assured plus bonus at maturity.
राइडर: Accidental Death Benefit (Rs 2.5M max at Rs 1/1000)Waiver of Premium (Rs 2/1000)
योजना विवरण
परिपक्वता लाभ: 50% of sum assured plus entire bonus at maturity
सरेन्डर: Paid-up and surrender claim provided
Amrit Shree Endowment Plan
एन्डोमेन्ट
Endowment plan paying sum assured plus bonus on maturity or death, with optional whole-life protection variant.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
14–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 34,800/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured/yr (FY 2081/82)
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 69.60 per 1,000 from API (plan code ASA), annual = 69.60 × 500
Endowment plan paying sum assured plus bonus on maturity or death, with optional whole-life protection variant.
राइडर: Accidental Death BenefitWaiver of PremiumCritical IllnessTotal Permanent Disablement
योजना विवरण
परिपक्वता लाभ: Sum assured plus bonus earned on maturity
Bachat Amrit Sawadhik Jeevan Beema Yojana
एन्डोमेन्ट
Savings-oriented limited-pay endowment: premiums paid for shorter period than term, sum assured plus accumulated bonus at maturity.
वार्षिक प्रिमियम: both spouses age 30, SA Rs 5,00,000, 20-yr term; rate 56.41 per 1,000 from API (plan code DA, age=30 propAge=30), annual = 56.41 × 500
Savings-oriented limited-pay endowment: premiums paid for shorter period than term, sum assured plus accumulated bonus at maturity.
राइडर: Accidental Death Benefit (up to Rs 25,00,000)Waiver of Premium
योजना विवरण
परिपक्वता लाभ: Sum assured plus accumulated bonuses
सरेन्डर: Surrender value available after 2 years with at least 2 full years' premiums paid
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 28,205/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured/yr (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: both spouses age 30, SA Rs 5,00,000, 20-yr term; rate 56.41 per 1,000 from API (plan code DA, age=30 propAge=30), annual = 56.41 × 500
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.
राइडर: Accidental Death Benefit (up to Rs 25,00,000 at Rs 1.00/1000)Waiver of Premium (Rs 2.00/1000)
योजना विवरण
परिपक्वता लाभ: Sum assured plus bonus earned on maturity
सरेन्डर: Paid-up and surrender provisions available
Jeewan Shree Sabadhik Amrit Plan
एन्डोमेन्ट
With-profit endowment with annual survival payouts (money-back style) after premium term, maturity benefit plus bonus to age 80.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–30 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
80 yrs
वार्षिक प्रिमियम
Rs 25,120/yr
प्रिमियम अवधि
Limited (15, 20, 25 or 30 years); policy term = 80 minus entry age
बोनस
Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 50.24 per 1,000 from API (plan code SSA), annual = 50.24 × 500
With-profit endowment with annual survival payouts (money-back style) after premium term, maturity benefit plus bonus to age 80.
राइडर: Accidental Death BenefitWaiver of PremiumTotal Permanent DisablementCritical Illness
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonuses at maturity (age 80); 9% of basic sum assured paid each year after premium term as survival benefit
सरेन्डर: Paid-up/surrender value available after 2 years of premiums paid
Sanjivani Sawadhik Amrit Jeevan Bimalekh
एन्डोमेन्ट
Non-linked with-profit endowment with a graduated (increasing) death-benefit scale rising from 100% to 200% of sum assured over the term.
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 50.24 per 1,000 from API (plan code SSA), annual = 50.24 × 500
Non-linked with-profit endowment with a graduated (increasing) death-benefit scale rising from 100% to 200% of sum assured over the term.
योजना विवरण
परिपक्वता लाभ: Sum assured plus accrued reversionary bonus on survival to maturity
Saral Amrit (Term Insurance)
एन्डोमेन्ट
Single-premium term plan suited to microfinance/loan cover, returning premium (with interest on longer terms) at maturity and paying sum assured on death.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
3–15 yrs
प्रवेश उमेर
18–62 yrs
परिपक्वता उमेर
65 yrs
वार्षिक प्रिमियम
Rs 35,050/yr
प्रिमियम अवधि
Regular (Yearly)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live API getPlanRate (code S). Term 20 returned 0 (not offered); used nearest available term 15 (rate 70.1). Age 30, SA 5,00,000, yearly. Annual = 70.1*500 = 35,050 (calc.js case 'S'). High rate implies a return-of-premium/endowment-style t
Single-premium term plan suited to microfinance/loan cover, returning premium (with interest on longer terms) at maturity and paying sum assured on death.
Mandatory single-premium term cover for Nepalis going abroad for work (per Overseas Employment Act 2064); pays sum assured on death plus disability and body-repatriation benefits.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–6 yrs
प्रवेश उमेर
18–64 yrs
प्रिमियम अवधि
Single
Mandatory single-premium term cover for Nepalis going abroad for work (per Overseas Employment Act 2064); pays sum assured on death plus disability and body-repatriation benefits.
योजना विवरण
परिपक्वता लाभ: No maturity benefit (pure term cover)
Amrit Barsaha Money Back Policy
मनी-ब्याक
With-profit money-back plan paying periodic survival benefits during the term plus bonus, with full sum assured on death.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
7–25 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 42,000/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 SA (5-20 yr); higher for longer terms (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 16-yr term (nearest valid term to 20; plan only returns rates at money-back terms); rate 84.00 per 1,000 from API (plan code AB), annual = 84.00 × 500
With-profit money-back plan paying periodic survival benefits during the term plus bonus, with full sum assured on death.
राइडर: Accidental Death BenefitWaiver of Premium (for disability)
योजना विवरण
परिपक्वता लाभ: Final survival payout plus accrued bonus on maturity
सरेन्डर: Surrender and paid-up provisions available
Amrit Shree Money Back
मनी-ब्याक
Regular-premium money-back plan with periodic payouts at regular intervals during the policy term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
14–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 34,800/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured/yr (FY 2081/82)
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 69.60 per 1,000 from API (plan code ASA), annual = 69.60 × 500
Regular-premium money-back plan with periodic payouts at regular intervals during the policy term.
योजना विवरण
परिपक्वता लाभ: Final survival payout plus bonus on maturity
Anticipated Endowment Plan
मनी-ब्याक
With-profit money-back endowment paying periodic survival benefits during the term and sum assured plus bonus at maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
16–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 31,100/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 62.20 per 1,000 from API (plan code A), annual = 62.20 × 500
With-profit money-back endowment paying periodic survival benefits during the term and sum assured plus bonus at maturity.
राइडर: Accidental Death Benefit (up to Rs 50,00,000 at Rs 1/1000)Waiver of Premium (Rs 2/1000)
योजना विवरण
परिपक्वता लाभ: Sum assured plus bonus earned on maturity
सरेन्डर: Surrender value available after completion period
Annuity Plan
पेन्सन
Annuity plan providing regular retirement income payouts; companion to the deferred Pension Plan.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–40 yrs
प्रवेश उमेर
20–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 27,795/yr
प्रिमियम अवधि
Single / Regular
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Annuity plan providing regular retirement income payouts; companion to the deferred Pension Plan.
योजना विवरण
परिपक्वता लाभ: Regular annuity income payouts in retirement
Pension Plan
पेन्सन
Deferred annuity / retirement plan accumulating to maturity, then paying an annuity (5 options) from one month after maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–40 yrs
प्रवेश उमेर
20–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 20,050/yr
प्रिमियम अवधि
Regular
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 50.69 per 1,000 from company premium-rate API (plan code E), annual = 50.69 × 500
Deferred annuity / retirement plan accumulating to maturity, then paying an annuity (5 options) from one month after maturity.
योजना विवरण
परिपक्वता लाभ: Annuity payable from one month after maturity; 5 annuity options selectable at maturity
Traditional Term Plan
टर्म
Pure protection term plan paying the sum assured to the nominee on death during the policy term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–5 yrs
प्रवेश उमेर
16–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 3,020/yr
प्रिमियम अवधि
Regular
Pure protection term plan paying the sum assured to the nominee on death during the policy term.
राइडर: Accidental Death BenefitWaiver of Premium
योजना विवरण
परिपक्वता लाभ: No maturity benefit (pure term cover)
Amrit Shree Anticipated Endowment and Whole Life Plan
होल लाइफ
Money-back plan with two options: periodic payouts during term (Option 1) or periodic payouts plus whole-life protection (Option 2).
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
14–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 34,104/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr term; rate 62.20 per 1,000 from API (plan code A), annual = 62.20 × 500
Money-back plan with two options: periodic payouts during term (Option 1) or periodic payouts plus whole-life protection (Option 2).
राइडर: Accidental Death BenefitWaiver of Premium
योजना विवरण
परिपक्वता लाभ: Periodic payouts during the term; full sum assured paid on death (survival benefits already paid not deducted)
सरेन्डर: Surrender value 6.75% (age 21) rising to 94.34% (age >100) by age at surrender
Jeevan Amrit (Endowment cum Whole Life) Plan
होल लाइफ
Endowment-cum-whole-life: pays sum assured plus bonus on maturity, with whole-life death cover continuing after maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
16–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 27,795/yr
प्रिमियम अवधि
Regular
बोनस
Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: age 30, SA Rs 5,00,000, 20-yr paying term; rate 55.59 per 1,000 from API (plan code J), annual = 55.59 × 500
Endowment-cum-whole-life: pays sum assured plus bonus on maturity, with whole-life death cover continuing after maturity.
राइडर: Accidental Death Benefit (up to Rs 50,00,000 at Rs 1.00/1000)Waiver of Premium (Rs 2.00/1000)
योजना विवरण
परिपक्वता लाभ: Sum assured plus bonus on maturity; whole-of-life death cover thereafter
सरेन्डर: Paid-up and surrender provisions available
Traditional Whole Life Policy
होल लाइफ
Whole-of-life cover paying sum assured plus accrued bonus on death, with participation in company profits.
बीमाङ्क
Rs 5 lakh
प्रवेश उमेर
16–65 yrs
वार्षिक प्रिमियम
Rs 34,104/yr
प्रिमियम अवधि
Regular / Limited
बोनस
Rs 60 per 1,000 sum assured/yr (whole-life, FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live API getPlanRate (code ASA), age 30 (ageLast), term 20, SA 5,00,000, yearly. Annual = (69.6*0.98)*500 = 34,104 (calc.js case 'ASA': YRLY 2% rate rebate; SA<10L so no flat rebate).
Whole-of-life cover paying sum assured plus accrued bonus on death, with participation in company profits.
राइडर: Accidental Death BenefitWaiver of Premium
योजना विवरण
परिपक्वता लाभ: Sum assured plus accrued bonus payable on death (whole-of-life cover)
सरेन्डर: Surrender/paid-up value available
About National Life
National Life Insurance Company Limited (formerly National Life & General Insurance Co. Ltd.) was incorporated in 1988 A.D. under the Nepal Company Act 1964 and the Insurance Act 1968, and is one of Nepal's largest and longest-established life insurers with over three decades of operation. Its ownership includes Nepalese promoters (~45.4%), Rastriya Banijya Bank (~8.5%), the public (~45%) and a foreign collaborator (~1.1%), and it is listed on the Nepal Stock Exchange (symbol NLICL). The company serves over 1.5 million policyholders through an extensive nationwide branch network spanning all provinces of Nepal. It maintains a large life fund (~Rs. 89 billion) and annual premium collection of roughly Rs. 23 billion.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
