Sanima Reliance Life Insurance Ltd. is a public limited Nepali life insurer formed from the merger of Sanima Life Insurance and Reliance Life Insurance, promoted by Sanima Bank and Siddhartha Bank.
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शाखा
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एटीएम
17
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (17)
Mero Mutu (Child) Plan - Regular
बाल
Participating child plan with proposer waiver; provides income on proposer death and sum assured plus bonus at child's maturity.
बीमाङ्क
Rs 50,000
पोलिसी अवधि
10–27 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
27 yrs
प्रिमियम अवधि
Regular (Yearly/Half-yearly/Quarterly)
बोनस
Rs 30-75 per 1,000 sum assured/yr (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Participating child plan with proposer waiver; provides income on proposer death and sum assured plus bonus at child's maturity.
राइडर: Permanent Total Disability (embedded; waives future premiums)Critical Illness (optional)
योजना विवरण
परिपक्वता लाभ: Sum Assured plus declared & vested bonus when child reaches maturity.
Mero Mutu (Child) Plan - Single
बाल
Single-premium participating child plan; premiums fixed at inception with proposer income benefit and child maturity benefit.
बीमाङ्क
Rs 50,000
पोलिसी अवधि
10–27 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
27 yrs
प्रिमियम अवधि
Single
बोनस
Rs 30-75 per 1,000 sum assured/yr (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single-premium participating child plan; premiums fixed at inception with proposer income benefit and child maturity benefit.
राइडर: Permanent Total Disability (embedded; 1% monthly income)Critical Illness (optional)
योजना विवरण
परिपक्वता लाभ: Sum Assured plus declared & vested bonus when child reaches maturity.
Group Endowment Assurance Policy
एन्डोमेन्ट
Group endowment plan for organisations; pays sum assured plus bonus on maturity or earlier death of covered members.
बीमाङ्क
Rs 5 lakh
प्रवेश उमेर
18–65 yrs
वार्षिक प्रिमियम
Rs 28,800/yr
प्रिमियम अवधि
Regular (group)
बोनस
Rs 20 per 1,000 sum assured/yr (FY 2081/82)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Group endowment plan for organisations; pays sum assured plus bonus on maturity or earlier death of covered members.
राइडर: Accidental Death BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: Sum Assured plus declared & vested bonus on maturity.
Joint Life Endowment Assurance Policy (Dampati)
एन्डोमेन्ट
Joint endowment covering both spouses; first death pays sum assured, second death/maturity pays sum assured plus vested bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–30 yrs
प्रवेश उमेर
21–50 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 28,800/yr
प्रिमियम अवधि
Regular (Yearly/Half-yearly/Quarterly)
बोनस
Rs 20-30 per 1,000 sum assured/yr (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Joint endowment covering both spouses; first death pays sum assured, second death/maturity pays sum assured plus vested bonus.
राइडर: Accidental Death Benefit (up to Rs 1,00,00,000)Permanent Total Disability (up to Rs 1,00,00,000, 120 monthly installments)Critical Illness (up to Rs 50,00,000)
योजना विवरण
परिपक्वता लाभ: Sum Assured plus declared & vested bonus if either or both spouses survive to maturity.
Rs 35-70 per 1,000 sum assured/yr regular; Rs 35-65 single (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Simple participating endowment plan paying sum assured plus vested bonus at maturity or on earlier death.
राइडर: Accidental Death Benefit (up to Rs 1,00,00,000)Permanent Total Disability (up to Rs 1,00,00,000, 120 monthly installments)Premium Waiver BenefitCritical Illness (up to Rs 50,00,000)
योजना विवरण
परिपक्वता लाभ: Sum Assured plus declared & vested bonus on survival to maturity.
Sunishchit Pratiphal Assurance Plan
एन्डोमेन्ट
Short premium-paying guaranteed maturity multiplier endowment; pay for 5 or 7 years and receive a multiple of total premiums at maturity.
पोलिसी अवधि
16–20 yrs
प्रवेश उमेर
18–44 yrs
परिपक्वता उमेर
60 yrs
प्रिमियम अवधि
Limited (5 or 7 years)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Short premium-paying guaranteed maturity multiplier endowment; pay for 5 or 7 years and receive a multiple of total premiums at maturity.
राइडर: Accidental Death Benefit (SA or Rs 1,00,00,000, whichever lower)Permanent Total Disability (SA or Rs 1,00,00,000, 120 monthly installments)Critical Illness (SA or Rs 50,00,000, whichever lower)
योजना विवरण
परिपक्वता लाभ: Total premiums received x maturity multiplier: 2x for 16-yr term, 2.5x for 20-yr term.
Triple Endowment Assurance Policy (Subha Laxmi)
एन्डोमेन्ट
Endowment plan paying double sum assured on death and single sum assured at maturity, both with vested bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–52 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 28,800/yr
प्रिमियम अवधि
Regular (Yearly/Half-yearly/Quarterly)
बोनस
Rs 20-30 per 1,000 sum assured/yr (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment plan paying double sum assured on death and single sum assured at maturity, both with vested bonus.
राइडर: Accidental Death Benefit (SA or Rs 1,00,00,000, whichever lower)Permanent Total Disability (SA or Rs 1,00,00,000, 120 monthly installments)Critical Illness
योजना विवरण
परिपक्वता लाभ: One times Sum Assured plus declared & vested bonus.
Micro Term Assurance
लघु
One-year single-premium micro term plan for low-income segments; small sum assured with optional funeral benefit.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
61 yrs
वार्षिक प्रिमियम
Rs 35,605/yr
प्रिमियम अवधि
Single
One-year single-premium micro term plan for low-income segments; small sum assured with optional funeral benefit.
राइडर: Accidental Death Benefit (SA or Rs 1,00,00,000, whichever lower)Permanent Total Disability (SA or Rs 1,00,00,000, 120 monthly installments)Funeral Benefit (up to 40% of SA, max Rs 25,000)
योजना विवरण
परिपक्वता लाभ: Nil.
Annual Money Back Policy (Modified / Dhana Firta)
मनी-ब्याक
Participating anticipated endowment paying 5% of sum assured every year from year 2 to maturity, plus maturity benefit and bonus.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–20 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
75 yrs
वार्षिक प्रिमियम
Rs 29,935/yr
प्रिमियम अवधि
Regular (Yearly/Half-yearly/Quarterly)
बोनस
Rs 19-30 per 1,000 sum assured/yr (Modified 30; Annual 19-21) (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Participating anticipated endowment paying 5% of sum assured every year from year 2 to maturity, plus maturity benefit and bonus.
राइडर: Accidental Death Benefit (up to Rs 1,00,00,000)Permanent Total Disability (up to Rs 1,00,00,000, 120 monthly installments)Premium Waiver BenefitCritical Illness (up to Rs 50,00,000)
योजना विवरण
परिपक्वता लाभ: 15-yr term: vested bonus only; 20-yr term: additional 10% of Sum Assured plus declared & vested bonus.
Dhanapati Money Back Policy (12/15/20 Years)
मनी-ब्याक
Money-back endowment with periodic survival payouts during the term and a lump-sum plus vested bonus at maturity.
Rs 32-42 per 1,000 sum assured/yr (15-yr: 41, 20-yr: 45) (FY 2081/82)
पोलिसी विरुद्ध कर्जा
छ
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back endowment with periodic survival payouts during the term and a lump-sum plus vested bonus at maturity.
राइडर: Accidental Death Benefit (up to Rs 1,00,00,000)Permanent Total Disability (up to Rs 1,00,00,000, 120 monthly installments)Critical Illness (up to Rs 50,00,000)
योजना विवरण
परिपक्वता लाभ: 12-yr: 50% SA + vested bonus; 15-yr: 50% SA + vested bonus; 20-yr: 40% SA + vested bonus (after periodic payouts).
Group Term Assurance Plan for Affinity Groups
टर्म
Group term protection for members of affinity groups; sum assured payable on death of a covered member.
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–65 yrs
प्रिमियम अवधि
Regular (group annual)
Group term protection for members of affinity groups; sum assured payable on death of a covered member.
राइडर: Accidental Death BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: Nil (group term).
One Year Renewable Group Term Assurance
टर्म
Annually renewable group term life cover for employer or group members.
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–65 yrs
प्रिमियम अवधि
Regular (group annual)
Annually renewable group term life cover for employer or group members.
राइडर: Accidental Death BenefitPermanent Total Disability
योजना विवरण
परिपक्वता लाभ: Nil (group term).
Term Assurance Policy
टर्म
Pure protection term plan paying sum assured on death during the term; no maturity benefit.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 1,875/yr
प्रिमियम अवधि
Regular (Yearly)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure protection term plan paying sum assured on death during the term; no maturity benefit.
राइडर: Accidental Death BenefitPermanent Total DisabilityCritical Illness
योजना विवरण
परिपक्वता लाभ: Nil (pure term plan).
Endowment Assurance Cum Whole Life (Sukhamaya)
होल लाइफ
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 37,500/yr
प्रिमियम अवधि
Regular (Yearly/Half-yearly/Quarterly)
बोनस
Rs 30-60 per 1,000 sum assured/yr (FY 2081/82)
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 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.
राइडर: Accidental Death Benefit (up to Rs 1,00,00,000)Permanent Total Disability (up to Rs 1,00,00,000, 120 monthly installments)Critical Illness (up to Rs 50,00,000)Premium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: On survival to end of premium term: Sum Assured plus declared & vested bonus, plus a fully paid-up whole life assurance continuing to age 100.
Endowment / Whole Life (Dirghayu)
होल लाइफ
Endowment-cum-whole-life plan offering lifetime protection to age 100 with limited premium payment.
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Limited premium paying endowment-cum-whole-life plan; pay for a limited term and enjoy whole-life cover to age 100.
राइडर: Accidental Death Benefit (up to Rs 1,00,00,000, to age 70)Permanent Total Disability (up to Rs 1,00,00,000, 120 monthly installments)Premium Waiver Benefit
योजना विवरण
परिपक्वता लाभ: On survival to end of endowment term: Sum Assured plus declared & vested bonus plus a fully paid-up whole life assurance; policy continues to age 100.
About Sanima Reliance
Sanima Reliance Life Insurance Limited emerged from the merger of two life insurers, Sanima Life Insurance and Reliance Life Insurance, with joint operations commencing on March 23, 2023; both predecessor companies had operated independently for over seven years prior to consolidation. Its major promoters are Sanima Bank and Siddhartha Bank, two prominent A-class commercial banks in Nepal. The company is headquartered at Sama Marga, Naxal, Kathmandu, and operates through a wide distribution network of 175+ network points and 57,000+ certified agents. It serves more than 162,000 policyholders and offers a portfolio of around 15 life insurance products spanning endowment, term, whole life, money-back, child, micro and group plans.
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.
