Prabhu Mahalaxmi Life Insurance Limited is a Nepali life insurer formed from the merger of Prabhu Life Insurance and Mahalaxmi Life Insurance, offering endowment, term, whole-life, child and foreign-employment plans nationwide.
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शाखा
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एटीएम
9
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (9)
Jeevan Kiran Beema (Child Endowment Plan)
बाल
Child-focused endowment plan building a savings corpus for a child's future with life cover and bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–30 yrs
प्रवेश उमेर
0–16 yrs
वार्षिक प्रिमियम
Rs 30,550/yr
प्रिमियम अवधि
Regular / Limited
बोनस
Rs 33-70 per 1,000 sum assured/yr (Child Jeevan Kiran)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 106, child age 0-16 (used child DOB 2016-06-21 = age 10), Proposer/parent age 30 (ProposerDOB 1996-06-21), SA 500000, term 20, payTerm 20, mode Yearly. tableRate 61.1 x 500 = 30550. Note: priced on
Child-focused endowment plan building a savings corpus for a child's future with life cover and bonus.
राइडर: Accidental Death BenefitPremium Waiver BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonus paid for the child's benefit at maturity.
सरेन्डर: Surrender value available; policy loan facility.
बहिष्करण: Suicide within first year and standard exclusions; rider-specific exclusions.
Sambridhha Jeevan Beema (Endowment Plan - Regular)
एन्डोमेन्ट
Flagship participating endowment plan combining savings and life protection; pays sum assured plus vested bonus on maturity or death.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 22,736/yr
प्रिमियम अवधि
Regular (premium paying term equal to policy term)
बोनस
Rs 33-70 per 1,000 sum assured/yr (term-slab based, declared FY2082/83)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 101 (Super Surakshit Beema - endowment), age 30, SA 500000, term 20, payTerm 20, mode Yearly. tableRate 47.51 x 500 = 23755.
Flagship participating endowment plan combining savings and life protection; pays sum assured plus vested bonus on maturity or death.
राइडर: Accidental Death Benefit (up to NPR 10,000,000)Critical Illness Benefit (up to NPR 5,000,000)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
योजना विवरण
परिपक्वता लाभ: Full sum assured plus accrued/vested bonus paid on survival to maturity.
सरेन्डर: Surrender value available; loan up to 90% of accrued surrender value after 3 full years' premium.
बहिष्करण: Standard exclusions including suicide within first policy year; rider-specific exclusions apply.
Sambridhha Jeevan Beema (Endowment Plan - Single)
एन्डोमेन्ट
Single-premium variant of the Sambridhha Jeevan endowment plan; one lump-sum premium with maturity sum assured plus bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 2,85,850/yr
प्रिमियम अवधि
Single
बोनस
Rs 33-70 per 1,000 sum assured/yr
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 101 (Super Surakshit Beema - endowment), age 30, SA 500000, term 20, payTerm 20, mode Yearly. tableRate 47.51 x 500 = 23755.
Single-premium variant of the Sambridhha Jeevan endowment plan; one lump-sum premium with maturity sum assured plus bonus.
राइडर: Accidental Death BenefitCritical Illness BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Sum assured plus vested bonus at maturity.
सरेन्डर: Surrender value available; policy loan against surrender value.
बहिष्करण: Suicide within first policy year and standard exclusions.
Super Surakshit Beema (Endowment Plan)
एन्डोमेन्ट
Best-selling participating endowment plan with affordable premiums, lump-sum maturity payout, double accidental-death benefit and critical-illness cover.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 23,755/yr
प्रिमियम अवधि
Regular / Limited
बोनस
Rs 33-70 per 1,000 sum assured/yr (endowment band)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 101, age 30, SA 500000, term 20, payTerm 20, mode Yearly. tableRate 47.51 x 500 = 23755.
Best-selling participating endowment plan with affordable premiums, lump-sum maturity payout, double accidental-death benefit and critical-illness cover.
राइडर: Accidental Death Benefit (double sum assured, max NPR 10,000,000)Critical Illness Benefit (15 illnesses, max NPR 5,000,000)Permanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Lump-sum payout of sum assured plus earned bonuses at maturity.
सरेन्डर: Surrender value available; policy loan facility.
बहिष्करण: Suicide within first policy year; critical-illness waiting period and rider exclusions apply.
Foreign Employment Term Insurance
वैदेशिक रोजगार
Mandatory term life cover for Nepali migrant workers going abroad on foreign employment, sold under the government foreign-employment insurance scheme.
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–7 yrs
प्रवेश उमेर
18–64 yrs
प्रिमियम अवधि
Single (for the contract/labour-permit period)
Mandatory term life cover for Nepali migrant workers going abroad on foreign employment, sold under the government foreign-employment insurance scheme.
राइडर: Accidental death / disability cover (per government scheme)
योजना विवरण
परिपक्वता लाभ: Term cover only - benefit payable on death/disability of the migrant worker during the foreign employment period.
सरेन्डर: No surrender value (short-term mandatory term cover).
बहिष्करण: Per government foreign-employment scheme conditions; standard exclusions.
Mahalaxmi Barshik Dhanfirta Beema (Anticipated/Money Back Plan)
मनी-ब्याक
Anticipated endowment / money-back plan returning 5% of sum assured each year plus the balance with bonus at maturity, with double life cover throughout the term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 37,870/yr
प्रिमियम अवधि
Regular
बोनस
Rs 35 per 1,000 sum assured/yr (flat)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 201, age 30, SA 500000, term 20, payTerm 20, mode Yearly. tableRate 75.74 x 500 = 37870.
Anticipated endowment / money-back plan returning 5% of sum assured each year plus the balance with bonus at maturity, with double life cover throughout the term.
राइडर: Accidental Death BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Remaining sum assured (after periodic 5% payouts) plus full-term bonus paid at maturity.
सरेन्डर: Surrender value available; policy loan facility.
बहिष्करण: Suicide within first year; payouts conditional on policy being in force.
Term plan with return-of-investment feature - provides term life cover and returns premiums/invested amount at the end of the term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 3,450/yr
प्रिमियम अवधि
Regular / Limited
बोनस
Term band Rs 33-70 per 1,000 (declared for term/advance-payment term products)
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 13, age 30, SA 500000, term 20, payTerm 20, mode Yearly. tableRate 6.9 x 500 = 3450.
Term plan with return-of-investment feature - provides term life cover and returns premiums/invested amount at the end of the term.
राइडर: Accidental Death BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Return of invested/premium amount at end of term (return-of-premium term feature).
सरेन्डर: Limited surrender value reflecting return-of-premium structure.
बहिष्करण: Suicide within first policy year; standard exclusions.
Jeevan Surakshya Beema (Term Life Plan)
टर्म
Low-cost non-participating term life plan paying the sum assured to the nominee on death during the term.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 1,825/yr
प्रिमियम अवधि
Regular
बोनस
Non-participating (no bonus) for core cover; company term plans declared Rs 33-70 band where participating variant applies
वार्षिक प्रिमियम: Live calculator API /calculate, plan code 502, age 30, SA 500000, term 20, payTerm 20, mode Yearly. tableRate 3.65 x 500 = 1825.
Low-cost non-participating term life plan paying the sum assured to the nominee on death during the term.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)
योजना विवरण
परिपक्वता लाभ: Pure protection - typically no maturity benefit (sum assured paid only on death during term).
सरेन्डर: No/limited surrender value (pure term).
बहिष्करण: Suicide within first policy year; standard term exclusions.
Amulya Jeevan Beema (Endowment cum Whole Life Plan)
होल लाइफ
Endowment-cum-whole-life plan providing lifelong protection with bonus accumulation and a survival/maturity payout.
बीमाङ्क
Rs 1 lakh – Rs 5 crore
पोलिसी अवधि
5–59 yrs
प्रवेश उमेर
11–65 yrs
प्रिमियम अवधि
Regular / Limited
बोनस
Rs 38-73 per 1,000 sum assured/yr (endowment and whole-life variants)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: 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.
राइडर: Accidental Death BenefitCritical Illness BenefitPermanent Total DisabilityPremium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: Sum assured plus accrued bonus; whole-life cover continues with bonus accumulation.
सरेन्डर: Surrender value available after qualifying period; policy loan available.
बहिष्करण: Suicide within first year and standard whole-life exclusions.
About Prabhu Mahalaxmi
Prabhu Mahalaxmi Life Insurance Limited was created through the strategic merger of Prabhu Life Insurance and Mahalaxmi Life Insurance, with a 1:1 share swap; the merged entity began joint transactions from Ashad 29, 2080 BS (June 2023) after final approval from the Nepal Insurance Authority. The company is headquartered at Shanti Marg, Kamaladi, Kathmandu and operates across all seven provinces of Nepal through roughly 116-140 branches and offices supported by tens of thousands of agents. It is listed on the Nepal Stock Exchange under the symbol PMLI, with paid-up capital of about Rs 4.72 Arba (as of Chaitra-end 2081 BS). It provides a range of participating endowment, anticipated endowment, whole-life, term, child and foreign-employment life insurance products.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
