A Nepali life insurance company offering endowment, term, whole-life, money-back, child and credit-protection plans through a nationwide agent and branch network.
28
शाखा
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एटीएम
13
Products
Asar 2083
लागू मिति
सबै पोलिसी र विवरण (13)
Sunaulo Bal Samriddha Jeevan Beema (Golden Child Endowment)
बाल
Child endowment with premium waiver and 2% monthly income on parent's death/disability; builds funds for child's education, marriage and career.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
0–17 yrs
परिपक्वता उमेर
25 yrs
वार्षिक प्रिमियम
Rs 29,520/yr
प्रिमियम अवधि
Regular
बोनस
Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sunaulo Bal Samriddhi)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Child endowment with premium waiver and 2% monthly income on parent's death/disability; builds funds for child's education, marriage and career.
राइडर: Sun MedicareCritical Illness BenefitPremium Waiver BenefitMonthly Income BenefitAccidental Death BenefitLump Sum Benefit
योजना विवरण
परिपक्वता लाभ: Full sum assured plus accumulated bonus at maturity.
बहिष्करण: Child risk only commences 2 years after start or at age 6 (whichever later); suicide within first year (standard).
Money-back style limited-pay endowment over 10/15/20 years with periodic survival payouts, a maturity enhancement (10-20%), and accrued bonus.
पोलिसी अवधि
10–20 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
प्रिमियम अवधि
Limited
बोनस
Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Money-back style limited-pay endowment over 10/15/20 years with periodic survival payouts, a maturity enhancement (10-20%), and accrued bonus.
राइडर: Sun MedicareAccidental Death Benefit (ADB)Funeral Expenses
योजना विवरण
परिपक्वता लाभ: 60% of sum assured plus accrued bonus at maturity, plus a maturity enhancement (10% for 10-yr, 15% for 15-yr, 20% for 20-yr term), after periodic survival payouts.
बहिष्करण: Suicide within first policy year (standard); see policy document.
Sunlife Endowment Assurance Life Insurance
एन्डोमेन्ट
Participating endowment plan blending disciplined savings with life protection; guaranteed lump sum (sum assured + accrued bonuses) on maturity or full sum assured plus bonus on death.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 24,200/yr
प्रिमियम अवधि
Regular
बोनस
Rs 30-65 per 1,000 sum assured/yr (FY 2080/81)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Participating endowment plan blending disciplined savings with life protection; guaranteed lump sum (sum assured + accrued bonuses) on maturity or full sum assured plus bonus on death.
राइडर: Accidental Death Benefit (ADB)Permanent Total Disability (PTD)/Premium Waiver Benefit (PWB)Critical IllnessSun MedicareFuneral Expenses
योजना विवरण
परिपक्वता लाभ: Full sum assured plus all accumulated/declared bonuses on survival to end of term.
बहिष्करण: Suicide within first policy year (standard); full exclusions per policy document.
Sun Life Endowment Golden Plan (Sunlife Sawadhik Sunaulo Yojana)
एन्डोमेन्ट
Enhanced endowment paying basic sum assured plus an extra incremented sum assured (25-40% by term) plus bonuses at maturity; 150% of sum assured plus bonuses on death.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 36,490/yr
प्रिमियम अवधि
Regular
बोनस
Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sawalikh Sunaulo)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Enhanced endowment paying basic sum assured plus an extra incremented sum assured (25-40% by term) plus bonuses at maturity; 150% of sum assured plus bonuses on death.
राइडर: Sun MedicareAccidental Death Benefit (ADB)Permanent Total Disability (PTD)Premium Waiver Benefit (PWB)Critical IllnessFuneral Expense
योजना विवरण
परिपक्वता लाभ: Basic sum assured + enhanced sum assured (25% for 10-14 yr term, 30% for 15-19 yr, 40% for 20 yr) + vested bonuses.
बहिष्करण: Suicide within first policy year (standard); see policy document.
Single-premium joint (husband-wife) micro term plan; pays full sum assured plus 10% funeral expense on first death, no maturity benefit.
बीमाङ्क
Rs 10,000 – Rs 3 lakh
पोलिसी अवधि
2–5 yrs
प्रवेश उमेर
22–65 yrs
परिपक्वता उमेर
70 yrs
प्रिमियम अवधि
Single
बोनस
Non-participating (no surrender or paid-up value)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Single-premium joint (husband-wife) micro term plan; pays full sum assured plus 10% funeral expense on first death, no maturity benefit.
योजना विवरण
परिपक्वता लाभ: None - no benefit if both insureds survive to maturity.
बहिष्करण: Non-participating with no surrender/paid-up value; suicide within first year (standard).
Dhananjaya Yearly Moneyback Endowment
मनी-ब्याक
Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 34,160/yr
प्रिमियम अवधि
Regular
बोनस
Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.
राइडर: Sun MedicareAccidental Death Benefit (ADB)PTDCritical IllnessFuneral Expense
योजना विवरण
परिपक्वता लाभ: Remaining sum assured plus vested bonus at maturity (after annual 5% payouts).
बहिष्करण: Suicide within first policy year (standard); see policy document.
Saarthak Ajeewan Jeevan Beema (15-Year Money Back cum Whole Life)
मनी-ब्याक
15-year money-back plan with whole-life cover to age 100; pays 25% of sum assured at year 5, 25% at year 10, 50% plus bonus at year 15.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15 yrs
प्रवेश उमेर
18–55 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 29,520/yr
प्रिमियम अवधि
Regular
बोनस
Rs 39 per 1,000 sum assured/yr (fixed, FY 2080/81)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
15-year money-back plan with whole-life cover to age 100; pays 25% of sum assured at year 5, 25% at year 10, 50% plus bonus at year 15.
राइडर: Sun MedicareAccidental Death Benefit (ADB)PTD/PWBCritical IllnessFuneral Expenses
योजना विवरण
परिपक्वता लाभ: 50% of sum assured plus vested bonus at year 15; full sum assured again at age 100 if not paid earlier on death.
बहिष्करण: Suicide within first policy year (standard); see policy document.
Credit Protection Plan
टर्म
Group credit-life plan offered via banks/MFIs/cooperatives that pays the lending institution the outstanding loan balance if a borrower dies or is disabled.
प्रिमियम अवधि
Single
बोनस
Non-participating (non-profit plan)
Group credit-life plan offered via banks/MFIs/cooperatives that pays the lending institution the outstanding loan balance if a borrower dies or is disabled.
योजना विवरण
परिपक्वता लाभ: None - benefit equals outstanding loan obligation, paid to lender on qualifying event.
बहिष्करण: Per master policy; numeric terms not publicly disclosed.
Nabikaran Myadi Jeevan Beema (Renewable Term Life)
टर्म
Pure renewable term insurance: affordable cover paying full sum assured on death during term, with no maturity payout.
बीमाङ्क
Rs 2.5 lakh
पोलिसी अवधि
5–25 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
प्रिमियम अवधि
Single premium
बोनस
Non-participating (no bonus)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Pure renewable term insurance: affordable cover paying full sum assured on death during term, with no maturity payout.
राइडर: Sun MedicareCritical IllnessFuneral Expense
योजना विवरण
परिपक्वता लाभ: None - pure term plan, no survival/maturity payout.
बहिष्करण: Suicide within first policy year (standard); see policy document.
Samuhik Myadi Jeevan Beema (Group Term Assurance)
टर्म
Yearly renewable group term life for organizations; full sum assured to beneficiary on death, no survival benefit. Minimum 25 members (10 with extra premium).
पोलिसी अवधि
1 yrs
प्रवेश उमेर
18–64 yrs
परिपक्वता उमेर
65 yrs
प्रिमियम अवधि
Single premium
बोनस
Non-participating (no bonus)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Yearly renewable group term life for organizations; full sum assured to beneficiary on death, no survival benefit. Minimum 25 members (10 with extra premium).
राइडर: Sun Medicare
योजना विवरण
परिपक्वता लाभ: None - no survival benefit; pure 1-year renewable group cover.
बहिष्करण: Suicide within first year (standard); see master policy.
Swornim Return of Premium Plan
टर्म
Term life with return of premium: full sum assured on death during term, and all basic premiums returned if you survive to maturity.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–30 yrs
प्रवेश उमेर
18–60 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 3,355/yr
प्रिमियम अवधि
Regular
बोनस
Non-participating (no bonus; returns premiums instead)
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
Term life with return of premium: full sum assured on death during term, and all basic premiums returned if you survive to maturity.
राइडर: Sun MedicareCritical IllnessFuneral ExpensesAccidental Death Benefit (ADB)
योजना विवरण
परिपक्वता लाभ: All basic premiums paid are returned on survival to end of policy term.
बहिष्करण: Suicide within first policy year (standard); see policy document.
Sun Life Nabeen Ajeewan Jeevan Beema (Naveen Whole Life)
होल लाइफ
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.
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yrs
प्रवेश उमेर
18–65 yrs
परिपक्वता उमेर
70 yrs
वार्षिक प्रिमियम
Rs 29,520/yr
प्रिमियम अवधि
Limited
बोनस
Rs 38-80 per 1,000 sum assured/yr (FY 2080/81) - highest of Sun Nepal Life plans
वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".
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.
राइडर: Accidental Death Benefit (ADB/PTD/PWB)Critical Illness BenefitFuneral ExpensesSun Medicare
योजना विवरण
परिपक्वता लाभ: Full sum assured plus vested bonuses on completing premium term; additional full sum assured at age 100 if not claimed earlier.
बहिष्करण: Suicide within first policy year (standard); see policy document.
About Sun Nepal
Sun Nepal Life Insurance Company Ltd. was established in 2017 and is headquartered at New Plaza, Putalisadak, Kathmandu. The company operates across all seven provinces of Nepal with roughly 28 branches, over 380 staff/professionals and more than 34,000 active independent agents/financial advisors. It is listed on the Nepal Stock Exchange (NEPSE) under the symbol SNLI and reinsures with Nepal Reinsurance Company Ltd and Himalayan Reinsurance. It markets a broad range of participating and non-participating life products including endowment, whole-life, money-back, term and child 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.
