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जीवन बीमा — पोलिसी तुलना

हामीले फेला पार्‍यौं 210 उत्पादन

नेपालका १४ जीवन बीमकका एन्डोमेन्ट, टर्म, होल-लाइफ, बाल र पेन्सन योजना। नेपाल बीमा प्राधिकरण (NIA) ले १४ जीवन र १४ निर्जीवन बीमक इजाजत दिएको छ। प्रिमियम, बीमाङ्क, अवधि, प्रवेश उमेर र दाबी भुक्तानी अनुपातका आधारमा पोलिसी तुलना गर्नुहोस्।

जीवन बीमानिर्जीवन बीमा
सबै बीमक →

सुरक्षा योजना

योजना प्रकारयोजना
टर्म29थप हेर्नुहोस्
एन्डोमेन्ट68थप हेर्नुहोस्
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बचत र परिवार

योजना प्रकारयोजना
मनी-ब्याक39थप हेर्नुहोस्
बाल22थप हेर्नुहोस्
पेन्सन7थप हेर्नुहोस्

थप योजना

योजना प्रकारयोजना
युनिट-लिंक्ड1थप हेर्नुहोस्
वैदेशिक रोजगार7थप हेर्नुहोस्
लघु13थप हेर्नुहोस्

210 मिल्दो

Asian Life logo
Asian LifeMicro Term Insurance (Laghu Myadi)लघु
वार्षिक प्रिमियम
Rs 1,125 once
दाबी अनुपात
98.85%
बीमाङ्क
Rs 3 lakh
पोलिसी अवधि
1–15 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Single-premium micro term cover
  • Death benefit = SA plus Rs 10,000 cremation expense
  • Accidental disability scale Rs 4,000-100,000
  • SA Rs 10,000-300,000
Single-premium micro term (SA Rs 10,000-300,000), term 1-15 yrs; death pays SA plus Rs 10,000 cremation expense.
योजना विवरण
  • Single-premium micro term cover
  • Death benefit = SA plus Rs 10,000 cremation expense
  • Accidental disability scale Rs 4,000-100,000
  • SA Rs 10,000-300,000
  • Term 1-15 yrs, entry 18-64
Himalayan Life logo
Himalayan LifeHimalayan One Year's Renewable Group Term Assurance (YRGT)टर्म
वार्षिक प्रिमियम
Rs 1,250/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • One-year renewable group term cover
  • Minimum group size 25 members
  • Sum assured NPR 50,000 to NPR 20 lakh per member
  • Pays sum assured only on death during term
Annually-renewable group term life cover for employer/affinity groups of 25+ members.
योजना विवरण
  • One-year renewable group term cover
  • Minimum group size 25 members
  • Sum assured NPR 50,000 to NPR 20 lakh per member
  • Pays sum assured only on death during term
  • No maturity benefit or riders
Prabhu Mahalaxmi logo
Prabhu MahalaxmiJeevan Surakshya Beema (Term Life Plan)टर्म
वार्षिक प्रिमियम
Rs 1,825/yr
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Non-participating (no bonus) for core cover; company term plans declared Rs 33-70 band where participating variant applies

  • Pure term life protection at low premium
  • Full sum assured paid to nominee on death within term
  • Supplementary ADB/PTD/PWB riders up to NPR 10,000,000
  • Affordable cover for income protection / loan protection
Low-cost non-participating term life plan paying the sum assured to the nominee on death during the term.
योजना विवरण
  • Pure term life protection at low premium
  • Full sum assured paid to nominee on death within term
  • Supplementary ADB/PTD/PWB riders up to NPR 10,000,000
  • Affordable cover for income protection / loan protection
  • Choice of policy terms 5-20 years
Sun Nepal logo
Sun NepalSwornim Return of Premium Planटर्म
वार्षिक प्रिमियम
Rs 3,355/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–30 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Non-participating (no bonus; returns premiums instead)

  • Full sum assured on death during term
  • All basic premiums returned at maturity if you survive
  • High cover - minimum sum assured Rs 1,000,000
  • Term 10-30 years
Term life with return of premium: full sum assured on death during term, and all basic premiums returned if you survive to maturity.
योजना विवरण
  • Full sum assured on death during term
  • All basic premiums returned at maturity if you survive
  • High cover - minimum sum assured Rs 1,000,000
  • Term 10-30 years
  • Semi-annual or annual premium payment
निःशुल्क उपकरण

आफ्नो मासिक EMI सेकेन्डमै निकाल्नुहोस्

रकम, दर र अवधि हाल्नुहोस् — आवेदन गर्नुअघि किस्ता हेर्नुहोस्।

EMI गणना गर्नुहोस्→
SuryaJyoti logo
SuryaJyotiSuryaJyoti Surakchya Kawach Myadi Jeevan Beema (Term)टर्म
वार्षिक प्रिमियम
Rs 1,365/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Very low entry sum assured Rs 10,000
  • Death benefit plus funeral expense top-up
  • Policy terms 1 to 30 years
  • Single or regular premium options
Affordable term assurance paying full sum assured plus a funeral expense benefit on death.
योजना विवरण
  • Very low entry sum assured Rs 10,000
  • Death benefit plus funeral expense top-up
  • Policy terms 1 to 30 years
  • Single or regular premium options
  • Targets lower-income buyers seeking economical protection
Citizen Life logo
Citizen LifeForeign Employment Term Life Policyवैदेशिक रोजगार
वार्षिक प्रिमियम
Rs 1,486 once
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–7 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Compulsory term life cover for those going abroad for foreign employment
  • Terms of 1 to 6.5 years available
  • Premium banded by age group (18-35, 36-50, 51-64)
  • Single-premium pure protection
Single-premium term life policy mandatory for Nepali migrant workers, providing death cover for terms up to 6.5 years with premiums ranging NPR 1,486-18,222 by age and term.
योजना विवरण
  • Compulsory term life cover for those going abroad for foreign employment
  • Terms of 1 to 6.5 years available
  • Premium banded by age group (18-35, 36-50, 51-64)
  • Single-premium pure protection
  • Optional critical illness rider
LIC Nepal logo
LIC NepalAmulya Jeevanटर्म
वार्षिक प्रिमियम
Rs 2,294/yr
दाबी अनुपात
92.69%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–44 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Pre-decided Sum Assured payable on death during premium-paying term
  • Sum Assured Rs 5 lakh to Rs 1 crore
  • Policy term 10 to 44 years (subject to max age 70)
  • Pure protection with low premiums
Pure regular-premium term assurance paying a pre-decided sum assured only on death during the premium-paying term; no maturity value.
योजना विवरण
  • Pre-decided Sum Assured payable on death during premium-paying term
  • Sum Assured Rs 5 lakh to Rs 1 crore
  • Policy term 10 to 44 years (subject to max age 70)
  • Pure protection with low premiums
  • No maturity, surrender or loan value
Reliable Life logo
Reliable LifeReliable Dhanapati Life Insuranceएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 17,030/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–40 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Endowment band ~Rs 30-50 per 1,000 sum assured/yr (FY 2080/81)

  • High minimum sum assured of Rs 50 lakh
  • Long policy terms 10 to 40 years
  • Death benefit + extra accidental sum assured if death is accidental
  • Maturity = full insured amount
High-value long-term endowment with a Rs 50 lakh minimum sum assured and optional accidental rider.
योजना विवरण
  • High minimum sum assured of Rs 50 lakh
  • Long policy terms 10 to 40 years
  • Death benefit + extra accidental sum assured if death is accidental
  • Maturity = full insured amount
  • Entry age 18-55
Nepal Life logo
Nepal LifeRakshya Kawach Jeewan Beema Yojanaटर्मन्यूनतम प्रिमियम
वार्षिक प्रिमियम
Rs 1,115/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–35 yr
प्रवेश उमेर
18–59
विशेषता

बोनस: —

  • Pure protection term assurance
  • Sum assured Rs 5,00,000 to Rs 1,00,00,000
  • Terms 1-35 years
  • Optional accident and disability riders
Pure protection term plan, no maturity/surrender/loan; SA Rs 5 lakh to Rs 1 crore.
योजना विवरण
  • Pure protection term assurance
  • Sum assured Rs 5,00,000 to Rs 1,00,00,000
  • Terms 1-35 years
  • Optional accident and disability riders
  • No maturity, surrender or loan value
MetLife logo
MetLifeCritical Illness Plusटर्म
वार्षिक प्रिमियम
Rs 2,180/yr
दाबी अनुपात
85.23%
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • 100% of CI face amount paid as lump sum on first diagnosis
  • Covers 11 conditions incl. cancer, kidney failure, stroke, major organ transplant, coma, blindness
  • Coverage 50-100% of base policy face amount
  • Single Pay or regular pay options
Critical illness benefit (rider/standalone) paying a lump sum equal to 50-100% of the base face amount on first diagnosis of any of 11 covered critical illnesses.
योजना विवरण
  • 100% of CI face amount paid as lump sum on first diagnosis
  • Covers 11 conditions incl. cancer, kidney failure, stroke, major organ transplant, coma, blindness
  • Coverage 50-100% of base policy face amount
  • Single Pay or regular pay options
  • Cover to base policy expiry or age 75 whichever earlier
  • 61-day waiting period
National Life logo
National LifeTraditional Term Planटर्म
वार्षिक प्रिमियम
Rs 3,020/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–5 yr
प्रवेश उमेर
16–55
विशेषता

बोनस: —

  • Pure life protection
  • Sum assured to nominee on death during term
  • Low-cost premium
  • Optional ADB and WOP riders
Pure protection term plan paying the sum assured to the nominee on death during the policy term.
योजना विवरण
  • Pure life protection
  • Sum assured to nominee on death during term
  • Low-cost premium
  • Optional ADB and WOP riders
  • Tax exemption under ITA 2058
Sanima Reliance logo
Sanima RelianceTerm Assurance Policyटर्म
वार्षिक प्रिमियम
Rs 1,875/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Pure protection at low cost
  • High sum assured with no upper limit
  • Death benefit equal to Sum Assured
  • No maturity/survival benefit
Pure protection term plan paying sum assured on death during the term; no maturity benefit.
योजना विवरण
  • Pure protection at low cost
  • High sum assured with no upper limit
  • Death benefit equal to Sum Assured
  • No maturity/survival benefit
  • Terms 5-25 years
अगाडि रहनुहोस्

हरेक विक्रम-सम्बत् महिना दर परिवर्तन हुन्छ

उत्कृष्ट निक्षेप र कर्जा दर परिवर्तन हुनुअघि नै थाहा पाउनुहोस्।

दर अलर्ट लिनुहोस्→
IME Life logo
IME LifeIME Best Term (Individual Term)टर्म
वार्षिक प्रिमियम
Rs 1,315/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Full Sum Assured paid on death during term after risk commencement
  • Premiums (excl. rider/extra) refunded if death before risk commencement
  • No limit on sum assured subject to underwriting
  • Flexible regular, single or limited premium payment
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.
योजना विवरण
  • Full Sum Assured paid on death during term after risk commencement
  • Premiums (excl. rider/extra) refunded if death before risk commencement
  • No limit on sum assured subject to underwriting
  • Flexible regular, single or limited premium payment
  • Optional ADB, PTD and Critical Illness riders
  • Term 5-30 years to max maturity age 65
Rastriya Jeevan logo
Rastriya JeevanMicro Insurance (Laghu Beema)लघु
वार्षिक प्रिमियम
Rs 1,375/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–15 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Affordable life cover designed for low-income and rural households
  • Small capped sum assured (micro-insurance limits, up to about Rs 1 lakh)
  • Simplified enrolment and minimal underwriting
  • Aligned with Nepal Insurance Authority micro-insurance directives for financial inclusion
Low-cost, simplified life cover aimed at low-income and rural households, with small sum-assured limits and minimal underwriting in line with Nepal Insurance Authority micro-insurance directives.
योजना विवरण
  • Affordable life cover designed for low-income and rural households
  • Small capped sum assured (micro-insurance limits, up to about Rs 1 lakh)
  • Simplified enrolment and minimal underwriting
  • Aligned with Nepal Insurance Authority micro-insurance directives for financial inclusion
  • Low, easy-to-pay premiums
Himalayan Life logo
Himalayan LifeHimalayan Life New Term Assuranceटर्म
वार्षिक प्रिमियम
Rs 1,250/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Pure life cover paying basic sum assured on death before maturity
  • Term 5 to 35 years
  • No maturity/survival benefit (low cost)
  • ADB rider up to NPR 5 lakh
Pure-protection term assurance with optional ADB, critical illness and personal accident riders.
योजना विवरण
  • Pure life cover paying basic sum assured on death before maturity
  • Term 5 to 35 years
  • No maturity/survival benefit (low cost)
  • ADB rider up to NPR 5 lakh
  • CI up to NPR 25 lakh and PA up to NPR 50 lakh riders
Asian Life logo
Asian LifeDampati Suraksha Plus (Joint Life Plus)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 3,210/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Participating (reversionary bonus)

  • Joint-life cover for couples
  • Death benefit progresses 100%-250% of SA by policy duration
  • Min SA Rs 50,000
  • Terms 5-30 yrs
Joint-life (couple) endowment with death benefit rising 100-250% of sum assured by duration; min SA Rs 50,000, terms 5-30 yrs.
योजना विवरण
  • Joint-life cover for couples
  • Death benefit progresses 100%-250% of SA by policy duration
  • Min SA Rs 50,000
  • Terms 5-30 yrs
  • Entry 18-65, maturity age 70
Prabhu Mahalaxmi logo
Prabhu MahalaxmiGajjabko Lagani Firta Beema / Prabhu Myadi Jeevan Beema (Return-of-Premium Term Plan)टर्म
वार्षिक प्रिमियम
Rs 3,450/yr
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Term band Rs 33-70 per 1,000 (declared for term/advance-payment term products)

  • Term life protection with money-back / return-of-investment at term end
  • Full sum assured to nominee on death during term
  • Returns the invested amount if policyholder survives the term
  • Optional ADB/PTD/PWB riders
Term plan with return-of-investment feature - provides term life cover and returns premiums/invested amount at the end of the term.
योजना विवरण
  • Term life protection with money-back / return-of-investment at term end
  • Full sum assured to nominee on death during term
  • Returns the invested amount if policyholder survives the term
  • Optional ADB/PTD/PWB riders
  • Bridges pure-term affordability with endowment-style return
SuryaJyoti logo
SuryaJyotiSuryaJyoti Baideshik Rojgar Myadi Jeevan Beema (Foreign Employment Term)वैदेशिक रोजगार
वार्षिक प्रिमियम
Rs 3,924 once
दाबी अनुपात
97.5%
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–6 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Fixed sum assured Rs 10,00,000
  • Terms from 1.0 to 6.6 years matching contract periods
  • Built-in critical illness cover Rs 500,000
  • Funeral expenses Rs 100,000 and body repatriation Rs 100,000
Single-premium term plan for Nepali foreign-employment workers covering death, disability, repatriation and related benefits.
योजना विवरण
  • Fixed sum assured Rs 10,00,000
  • Terms from 1.0 to 6.6 years matching contract periods
  • Built-in critical illness cover Rs 500,000
  • Funeral expenses Rs 100,000 and body repatriation Rs 100,000
  • Loss of income Rs 200,000 and medical reimbursement Rs 100,000
  • Disability benefit 5-100% of basic coverage
LIC Nepal logo
LIC NepalJeevan Madhurलघु
वार्षिक प्रिमियम
Rs 3,250 once
दाबी अनुपात
92.69%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–69
विशेषता

बोनस: —

  • Death benefit equal to Sum Assured
  • Funeral expenses of 10% of Sum Assured
  • Accidental death benefit of additional Sum Assured
  • Permanent total disability benefit equal to Sum Assured
One-year single-premium micro-insurance term plan with funeral, accidental death and disability cover; no maturity benefit.
योजना विवरण
  • Death benefit equal to Sum Assured
  • Funeral expenses of 10% of Sum Assured
  • Accidental death benefit of additional Sum Assured
  • Permanent total disability benefit equal to Sum Assured
  • Aimed at micro-insurance/low-income segment
  • No surrender, paid-up or loan value
Nepal Life logo
Nepal LifeiEnsure Jeevan Beema Yojanaटर्म
वार्षिक प्रिमियम
Rs 2,946/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Term assurance with return-of-premium at maturity
  • Death benefit = Sum Assured (refund of premium if death before risk commencement)
  • Risk commences 1 year after start (except accidental death)
  • Min sum assured Rs 1,00,000
Term plan with return-of-premium at maturity (total premiums paid returned); online-friendly.
योजना विवरण
  • Term assurance with return-of-premium at maturity
  • Death benefit = Sum Assured (refund of premium if death before risk commencement)
  • Risk commences 1 year after start (except accidental death)
  • Min sum assured Rs 1,00,000
  • Surrender value available after 3 years
कर्जा चाहिन्छ?

२० बैंकका ४००+ कर्जा तुलना गर्नुहोस्

घर, सवारी, व्यवसाय, मार्जिन र थप — सबैभन्दा कम प्रभावकारी दर खोज्नुहोस्।

कर्जा तुलना→
Citizen Life logo
Citizen LifeCitizen Savings Growth Planयुनिट-लिंक्ड
वार्षिक प्रिमियम
Rs 12,000/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 1.2 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Guaranteed loyalty bonus of 3% of Account Value added at maturity

  • Account-value (universal life) structure with savings growth
  • Death benefit is higher of Sum Assured or Account Value
  • Guaranteed 3% loyalty bonus on Account Value at maturity
  • Policy loan up to 90% of surrender value (min NPR 1,000)
Universal/account-value life plan blending protection with savings growth, paying the Account Value at maturity plus a guaranteed 3% loyalty bonus.
योजना विवरण
  • Account-value (universal life) structure with savings growth
  • Death benefit is higher of Sum Assured or Account Value
  • Guaranteed 3% loyalty bonus on Account Value at maturity
  • Policy loan up to 90% of surrender value (min NPR 1,000)
  • ADB pays lump sum plus higher of Sum Assured or Account Value
Reliable Life logo
Reliable LifeSulav Jeevan Beemaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 22,150/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 25 (5-9 yrs), Rs 29 (10-14 yrs), Rs 33 (15-19 yrs), Rs 41 (20+ yrs) per 1,000 sum assured/yr, FY 2080/81

  • Policy terms 5 to 54 years
  • With-profits annual reversionary bonus up to Rs 41/1,000 for long terms
  • Death & maturity = insured amount + accrued bonus
  • Risk commences immediately on inception
Long-term with-profits endowment; one of the company's most popular plans, terms up to 54 years.
योजना विवरण
  • Policy terms 5 to 54 years
  • With-profits annual reversionary bonus up to Rs 41/1,000 for long terms
  • Death & maturity = insured amount + accrued bonus
  • Risk commences immediately on inception
  • Optional critical-illness and hospitalization cover
Sun Nepal logo
Sun NepalSunlife Endowment Assurance Life Insuranceएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,200/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 30-65 per 1,000 sum assured/yr (FY 2080/81)

  • Guaranteed maturity lump sum = sum assured + bonuses
  • Full sum assured plus bonuses paid on death during term
  • Participates in company profits via annual bonus
  • Flexible term 5 to 52 years
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.
योजना विवरण
  • Guaranteed maturity lump sum = sum assured + bonuses
  • Full sum assured plus bonuses paid on death during term
  • Participates in company profits via annual bonus
  • Flexible term 5 to 52 years
  • Monthly, quarterly, half-yearly or annual premium modes
IME Life logo
IME LifeIME Credit Term Insuranceटर्म
वार्षिक प्रिमियम
Rs 1,315/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–15 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Covers outstanding loan/credit on borrower death
  • Full Sum Assured paid to nominee on death during term
  • Sum assured up to Rs 20,00,000
  • Optional accidental death and disability riders
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.
योजना विवरण
  • Covers outstanding loan/credit on borrower death
  • Full Sum Assured paid to nominee on death during term
  • Sum assured up to Rs 20,00,000
  • Optional accidental death and disability riders
  • Term 1-15 years matching loan tenure
  • NIA approved 2020 (code NIA/LI010/2076/077/TEP/0023)
National Life logo
National LifePension Planपेन्सन
वार्षिक प्रिमियम
Rs 20,050/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–40 yr
प्रवेश उमेर
20–60
विशेषता

बोनस: —

  • Maturity terms of 10/15/20/25/30/35/40 years
  • Minimum annuity-start age 40
  • 5 annuity options chosen at maturity
  • Annuity begins one month after maturity date
Deferred annuity / retirement plan accumulating to maturity, then paying an annuity (5 options) from one month after maturity.
योजना विवरण
  • Maturity terms of 10/15/20/25/30/35/40 years
  • Minimum annuity-start age 40
  • 5 annuity options chosen at maturity
  • Annuity begins one month after maturity date
  • No health checkup required
MetLife logo
MetLifeLifeCare (My Life / Beautiful / Brave)टर्म
वार्षिक प्रिमियम
Rs 25,000/yr
दाबी अनुपात
85.23%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–20 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • My Life variant: pure loss-of-life cover up to NPR 15,000,000
  • Beautiful variant: life cover + 9 female-specific critical illnesses up to NPR 5,000,000
  • Brave variant: life cover + 14 critical illnesses (cancer, stroke, heart attack, kidney failure)
  • Flexible terms from 1 to 20 years
Pure-protection term life plan with three variants: My Life (life cover only), Beautiful (life + 9 female-specific critical illnesses) and Brave (life + 14 critical illnesses).
योजना विवरण
  • My Life variant: pure loss-of-life cover up to NPR 15,000,000
  • Beautiful variant: life cover + 9 female-specific critical illnesses up to NPR 5,000,000
  • Brave variant: life cover + 14 critical illnesses (cancer, stroke, heart attack, kidney failure)
  • Flexible terms from 1 to 20 years
  • Entry age 18 to 60 years
  • 60-day critical illness waiting period
Sanima Reliance logo
Sanima RelianceSaral Endowment Assurance Policyएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,800/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
7–52 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 35-70 per 1,000 sum assured/yr regular; Rs 35-65 single (FY 2081/82)

  • Death and maturity both pay Sum Assured plus vested bonus
  • Low entry sum assured of Rs 25,000
  • Long policy terms up to 52 years
  • Single premium option
Simple participating endowment plan paying sum assured plus vested bonus at maturity or on earlier death.
योजना विवरण
  • Death and maturity both pay Sum Assured plus vested bonus
  • Low entry sum assured of Rs 25,000
  • Long policy terms up to 52 years
  • Single premium option
  • Participating with annual bonus
Rastriya Jeevan logo
Rastriya JeevanTerm Life Assuranceटर्म
वार्षिक प्रिमियम
Rs 1,375/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
16–60
विशेषता

बोनस: —

  • High life cover at low premium for a fixed term (commonly 10/15/20 years)
  • Pays full sum assured to nominees on death during the term
  • No maturity benefit or cash value (pure protection)
  • Optional accidental death and disability riders
Pure protection plan providing high life cover for a chosen term at low premium; pays the sum assured to nominees on death within the term, with no maturity/savings value on survival.
योजना विवरण
  • High life cover at low premium for a fixed term (commonly 10/15/20 years)
  • Pays full sum assured to nominees on death during the term
  • No maturity benefit or cash value (pure protection)
  • Optional accidental death and disability riders
  • Suitable for income-replacement and loan-protection needs
अन्वेषण

हरेक बैंक, एकै ठाउँमा प्रोफाइल

उत्पादन, शाखा सञ्जाल, आधार दर र सम्पर्क — एउटै प्रोफाइलमा।

बैंक हेर्नुहोस्→
Asian Life logo
Asian LifeAsian Karja Surachha (Loan Protection Term)टर्म
वार्षिक प्रिमियम
Rs 3,210 once
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–15 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Loan/credit protection single-premium term
  • Natural death: full SA plus cremation expense (25% of SA or Rs 30,000, lower)
  • Accidental death: 2x SA
  • Accidental PTD: full SA; partial disability 50% SA
Single-premium loan-protection term (SA Rs 10,000-20 lakh), term 1-15 yrs; accidental death pays double SA.
योजना विवरण
  • Loan/credit protection single-premium term
  • Natural death: full SA plus cremation expense (25% of SA or Rs 30,000, lower)
  • Accidental death: 2x SA
  • Accidental PTD: full SA; partial disability 50% SA
  • No surrender value or loan, non-participating
SuryaJyoti logo
SuryaJyotiSuryaJyoti Surakshit Bhawishya Jeevan Beema (Endowment cum Whole Life)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 7,885/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

  • Minimum sum assured Rs 100,000, maximum based on income
  • Long policy terms from 5 up to 52 years
  • Maturity payout of basic sum assured plus bonus
  • Whole-life feature: extra sum assured paid on death after maturity
Endowment-cum-whole-life plan paying basic sum assured plus bonus at maturity, with an additional sum assured paid on death after maturity.
योजना विवरण
  • Minimum sum assured Rs 100,000, maximum based on income
  • Long policy terms from 5 up to 52 years
  • Maturity payout of basic sum assured plus bonus
  • Whole-life feature: extra sum assured paid on death after maturity
  • Rider max benefit Rs 1,00,00,000 or basic sum assured, whichever lower
Prabhu Mahalaxmi logo
Prabhu MahalaxmiSambridhha Jeevan Beema (Endowment Plan - Regular)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 22,736/yr
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 33-70 per 1,000 sum assured/yr (term-slab based, declared FY2082/83)

  • Participating endowment paying sum assured plus vested bonus at maturity
  • Death benefit of sum assured plus accrued bonus during the term
  • Policy loan up to 90% of surrender value after 3 years
  • Premium tax-deductible up to NPR 40,000/yr
Flagship participating endowment plan combining savings and life protection; pays sum assured plus vested bonus on maturity or death.
योजना विवरण
  • Participating endowment paying sum assured plus vested bonus at maturity
  • Death benefit of sum assured plus accrued bonus during the term
  • Policy loan up to 90% of surrender value after 3 years
  • Premium tax-deductible up to NPR 40,000/yr
  • Yearly, half-yearly, quarterly and monthly premium modes
  • Sum-assured and mode-based premium discounts
Reliable Life logo
Reliable LifeReliable Higher Education Planबाल
वार्षिक प्रिमियम
Rs 22,990/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
0–15
विशेषता

बोनस: Rs 60-65 per 1,000 sum assured/yr (FY 2080/81) - highest bonus band among Reliable's plans

  • Targeted at funding a child's higher education
  • Highest bonus rate (Rs 60-65 per 1,000) of any Reliable plan
  • Premium waiver on proposer death/disability
  • Monthly income benefit to child option
Child education endowment carrying the company's highest bonus rate (Rs 60-65 per 1,000).
योजना विवरण
  • Targeted at funding a child's higher education
  • Highest bonus rate (Rs 60-65 per 1,000) of any Reliable plan
  • Premium waiver on proposer death/disability
  • Monthly income benefit to child option
  • Maturity lump sum at education age
Himalayan Life logo
Himalayan LifeHimalayan Endowment Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,225/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–59 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Sum Assured plus accrued bonus on maturity
  • Full sum assured plus accrued bonus on death within term
  • Accidental death benefit up to max NPR 1 crore plus accrued bonus
  • Loan facility after 3 years of premiums paid
Traditional with-profits endowment with flexible 5-59 year term and built-in accidental/disability riders.
योजना विवरण
  • Sum Assured plus accrued bonus on maturity
  • Full sum assured plus accrued bonus on death within term
  • Accidental death benefit up to max NPR 1 crore plus accrued bonus
  • Loan facility after 3 years of premiums paid
  • Premium rebates for annual/half-yearly payment
LIC Nepal logo
LIC NepalTerm Micro Insuranceलघु
वार्षिक प्रिमियम
Rs 11,875 once
दाबी अनुपात
92.69%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–15 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Sum Assured payable on death during policy term
  • Funeral expenses of Rs 10,000 to nominee
  • Accident disability benefit up to Rs 1,50,000
  • Without-profit single-premium micro term plan
Without-profit single-premium micro term plan providing pure death cover plus funeral expenses; no maturity, surrender or loan value.
योजना विवरण
  • Sum Assured payable on death during policy term
  • Funeral expenses of Rs 10,000 to nominee
  • Accident disability benefit up to Rs 1,50,000
  • Without-profit single-premium micro term plan
  • Term 1 to 15 years
  • No surrender, paid-up or loan value
Sun Nepal logo
Sun NepalSaarthak Ajeewan Jeevan Beema (15-Year Money Back cum Whole Life)मनी-ब्याक
वार्षिक प्रिमियम
Rs 29,520/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Rs 39 per 1,000 sum assured/yr (fixed, FY 2080/81)

  • Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
  • Whole-life cover continues to age 100
  • Full sum assured plus vested bonus on death during premium term
  • Low minimum sum assured Rs 50,000
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.
योजना विवरण
  • Money-back: 25% sum assured at yr 5, 25% at yr 10, 50%+bonus at yr 15
  • Whole-life cover continues to age 100
  • Full sum assured plus vested bonus on death during premium term
  • Low minimum sum assured Rs 50,000
  • Fixed bonus Rs 39 per 1,000
Citizen Life logo
Citizen LifeCitizen Endowment Plus Insurance Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 21,980/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Reversionary/vested bonus declared annually (rate not published)

  • Double the sum assured paid on natural death before maturity
  • Three times the sum assured paid on accidental death
  • Sum assured plus bonus on survival to maturity
  • Policy term 5 to 35 years with flexible premium modes
With-profit endowment plan combining savings and protection, paying enhanced death benefit (2x natural / 3x accidental) and sum assured plus bonus at maturity.
योजना विवरण
  • Double the sum assured paid on natural death before maturity
  • Three times the sum assured paid on accidental death
  • Sum assured plus bonus on survival to maturity
  • Policy term 5 to 35 years with flexible premium modes
  • Single-pay and regular-pay options available
Nepal Life logo
Nepal LifeGramin Sawadhik Jeevan Beema Yojanaलघु
वार्षिक प्रिमियम
Rs 15,450/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 3 lakh
पोलिसी अवधि
5–49 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 56-60 per 1,000 sum assured/yr (micro/endowment range, FY 2081/82)

  • Micro-insurance endowment for rural/low-income segment
  • Sum assured Rs 10,000 to Rs 3,00,000
  • Maturity and death benefit = SA + bonus
  • Long terms up to 49 years
Rural micro-endowment with low premium; SA + bonus at maturity or death.
योजना विवरण
  • Micro-insurance endowment for rural/low-income segment
  • Sum assured Rs 10,000 to Rs 3,00,000
  • Maturity and death benefit = SA + bonus
  • Long terms up to 49 years
  • Loan up to 90% of surrender value
IME Life logo
IME LifeIME Micro Term (One Year)लघु
वार्षिक प्रिमियम
Rs 1,315/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Death benefit full Sum Assured plus 10% funeral expense (capped Rs 50,000)
  • Accidental death: 100% SA plus 10% funeral expense (capped Rs 50,000)
  • Accidental total permanent disability: 100% Sum Assured
  • Affordable micro cover starting Rs 5,000 SA
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.
योजना विवरण
  • Death benefit full Sum Assured plus 10% funeral expense (capped Rs 50,000)
  • Accidental death: 100% SA plus 10% funeral expense (capped Rs 50,000)
  • Accidental total permanent disability: 100% Sum Assured
  • Affordable micro cover starting Rs 5,000 SA
  • One-year term renewable every year
  • No maturity benefit (pure protection)
National Life logo
National LifeBal Amrit 4 Endowment Policy (Children's Plan)बाल
वार्षिक प्रिमियम
Rs 24,375/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
0–15
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • Child entry age 1 month to 15 years; proposer 20-50 yrs
  • On child death: 25% of SA plus accrued bonus or premiums paid
  • On proposer death: 1% of sum assured per month paid till maturity
  • Funds child's education/start in life
Children's endowment funding education/start-in-life; pays sum assured plus bonus at maturity, with proposer (parent) death benefit and premium waiver.
योजना विवरण
  • Child entry age 1 month to 15 years; proposer 20-50 yrs
  • On child death: 25% of SA plus accrued bonus or premiums paid
  • On proposer death: 1% of sum assured per month paid till maturity
  • Funds child's education/start in life
  • Sum assured plus bonus at maturity
MetLife logo
MetLifeMy Child's Education Protection Planबाल
वार्षिक प्रिमियम
Rs 33,825/yr
दाबी अनुपात
85.23%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
21–55
विशेषता

बोनस: Reversionary bonuses (participating); rate declared annually

  • On owner death (Gold): 100% face amount lump sum + premiums waived + 2% of face amount monthly for remaining term
  • On owner death (Silver): premiums waived + 2% of face amount monthly for remaining term
  • Child death benefit 25% of face amount + accrued bonuses
  • Child coverage from 31 days old up to age 28
Participating child education plan that secures the child's schooling by waiving future premiums and paying a monthly income plus lump sum if the policy owner dies, with reversionary bonuses at maturity.
योजना विवरण
  • On owner death (Gold): 100% face amount lump sum + premiums waived + 2% of face amount monthly for remaining term
  • On owner death (Silver): premiums waived + 2% of face amount monthly for remaining term
  • Child death benefit 25% of face amount + accrued bonuses
  • Child coverage from 31 days old up to age 28
  • Participating plan with reversionary bonuses
  • Premium waiver keeps policy in force after owner's death
Sanima Reliance logo
Sanima RelianceTriple Endowment Assurance Policy (Subha Laxmi)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,800/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–52 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 20-30 per 1,000 sum assured/yr (FY 2081/82)

  • Natural death pays 2x Sum Assured plus vested bonus
  • Accidental death (with ADB) pays triple sum assured
  • Maturity pays 1x Sum Assured plus bonus
  • Capped maximum sum assured of Rs 10,00,000
Endowment plan paying double sum assured on death and single sum assured at maturity, both with vested bonus.
योजना विवरण
  • Natural death pays 2x Sum Assured plus vested bonus
  • Accidental death (with ADB) pays triple sum assured
  • Maturity pays 1x Sum Assured plus bonus
  • Capped maximum sum assured of Rs 10,00,000
  • Participating with annual bonus
Rastriya Jeevan logo
Rastriya JeevanChildren's Plan 'Watsalya'बाल
वार्षिक प्रिमियम
Rs 23,250/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
16–22 yr
प्रवेश उमेर
0–8
विशेषता

बोनस: Rs 65 per 1,000 sum assured per year (all policy periods)

  • Child (newborn to 8 years) is the insured life; sum assured Rs 1 lakh to Rs 5 lakh
  • Pays 20% of sum assured each year for 5 years starting from the anniversary after age 16
  • Accrued bonus paid as a lump sum at the anniversary after the child turns 22
  • Higher bonus rate of Rs 65 per 1,000 sum assured for all policy periods
Anticipated-endowment child plan: the child is the insured; from the policy anniversary after age 16, 20% of sum assured is paid each year for 5 years, with accrued bonus paid as a lump sum after age 22.
योजना विवरण
  • Child (newborn to 8 years) is the insured life; sum assured Rs 1 lakh to Rs 5 lakh
  • Pays 20% of sum assured each year for 5 years starting from the anniversary after age 16
  • Accrued bonus paid as a lump sum at the anniversary after the child turns 22
  • Higher bonus rate of Rs 65 per 1,000 sum assured for all policy periods
  • Optional Premium Waiver Benefit keeps the plan alive if the proposer dies
Asian Life logo
Asian LifeSaral Surachha (Micro Term)टर्म
वार्षिक प्रिमियम
Rs 3,210/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • 1-year renewable term
  • Published per-thousand rate table by age band
  • Min SA Rs 250,000
  • Entry 18-60, maturity age 61
Annual renewable 1-yr term with age-banded rates (Rs 3.75-13.75 per thousand); min SA Rs 250,000, entry 18-60.
योजना विवरण
  • 1-year renewable term
  • Published per-thousand rate table by age band
  • Min SA Rs 250,000
  • Entry 18-60, maturity age 61
  • Pure death cover, no surrender/loan
SuryaJyoti logo
SuryaJyotiSuryaJyoti Dhanbridhi Jeevan Beema (Agreem Bhuktani / Money Back)मनी-ब्याक
वार्षिक प्रिमियम
Rs 7,885/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–25 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

  • Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
  • Terms of 15, 20 or 25 years
  • Single-premium option pays 2.5x sum assured at maturity
  • Death pays full sum assured plus bonus without deducting survival benefits
Anticipated endowment paying periodic survival benefits plus sum assured and bonus, with money-back installments during the term.
योजना विवरण
  • Periodic money-back: e.g. 15-yr plan pays 30%/30%/40% of SA at years 4/8/12
  • Terms of 15, 20 or 25 years
  • Single-premium option pays 2.5x sum assured at maturity
  • Death pays full sum assured plus bonus without deducting survival benefits
  • Optional critical illness cover up to Rs 50,00,000
Prabhu Mahalaxmi logo
Prabhu MahalaxmiSuper Surakshit Beema (Endowment Plan)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 23,755/yr
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 33-70 per 1,000 sum assured/yr (endowment band)

  • Lump-sum maturity payout of sum assured plus bonuses
  • Double sum assured on accidental death (max NPR 10,000,000)
  • Critical illness cover for 15 specified illnesses (max NPR 5,000,000)
  • Flexible premium modes (annual/semi-annual/quarterly/monthly)
Best-selling participating endowment plan with affordable premiums, lump-sum maturity payout, double accidental-death benefit and critical-illness cover.
योजना विवरण
  • Lump-sum maturity payout of sum assured plus bonuses
  • Double sum assured on accidental death (max NPR 10,000,000)
  • Critical illness cover for 15 specified illnesses (max NPR 5,000,000)
  • Flexible premium modes (annual/semi-annual/quarterly/monthly)
  • Wide eligibility: entry age 18-65, SA NPR 50,000-50,000,000
  • Participating - shares in declared bonus
Reliable Life logo
Reliable LifeReliable Micro Endowment Planलघु
वार्षिक प्रिमियम
Rs 22,990/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Micro/short-term band Rs 31-35 per 1,000 sum assured/yr (FY 2080/81)

  • Micro-insurance for low-income households
  • Sum assured as low as Rs 10,000
  • Death = insured amount + accumulated bonus to nominee
  • Maturity = insured amount + accrued bonus
Low-cost micro-insurance endowment with very small sum assured (Rs 10,000-100,000) for low-income buyers.
योजना विवरण
  • Micro-insurance for low-income households
  • Sum assured as low as Rs 10,000
  • Death = insured amount + accumulated bonus to nominee
  • Maturity = insured amount + accrued bonus
  • Flexible yearly/half-yearly/quarterly/monthly premiums
Himalayan Life logo
Himalayan LifeHimalayanLife Pension Planपेन्सन
वार्षिक प्रिमियम
Rs 24,950/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–54 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Maturity value convertible into immediate annuity (pension)
  • Two pension distribution options at maturity
  • Basic SA plus vested bonus on death before maturity
  • Long accumulation term up to 54 years
Deferred pension/annuity plan converting maturity proceeds into a lifetime income.
योजना विवरण
  • Maturity value convertible into immediate annuity (pension)
  • Two pension distribution options at maturity
  • Basic SA plus vested bonus on death before maturity
  • Long accumulation term up to 54 years
  • ADB/TPD riders up to NPR 1 crore
Sun Nepal logo
Sun NepalSunaulo Bal Samriddha Jeevan Beema (Golden Child Endowment)बाल
वार्षिक प्रिमियम
Rs 29,520/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sunaulo Bal Samriddhi)

  • Premium waiver on death/permanent disability of proposer
  • 2% of sum assured paid monthly as income on proposer's death/disability
  • Child death benefit: 25% sum assured plus bonus or premiums paid, whichever higher
  • Full sum assured plus bonus at maturity for child's education/marriage/career
Child endowment with premium waiver and 2% monthly income on parent's death/disability; builds funds for child's education, marriage and career.
योजना विवरण
  • Premium waiver on death/permanent disability of proposer
  • 2% of sum assured paid monthly as income on proposer's death/disability
  • Child death benefit: 25% sum assured plus bonus or premiums paid, whichever higher
  • Full sum assured plus bonus at maturity for child's education/marriage/career
  • Child entry 31 days to 17 years, term up to 25 years
Citizen Life logo
Citizen LifeCitizen Child Future Plan Plusबाल
वार्षिक प्रिमियम
Rs 21,980/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Vested bonus declared annually (rate not published)

  • Child (life assured) entry age 0-17; proposer/parent 21-60
  • Sum assured plus vested bonus at maturity for child's future
  • Risk on child commences after deferment period (2 years / age 6)
  • Death before risk commencement refunds base premium
Child savings-and-protection plan building a sum assured plus bonus for the child's future, with a risk-deferment period and premium-waiver protection for the parent.
योजना विवरण
  • Child (life assured) entry age 0-17; proposer/parent 21-60
  • Sum assured plus vested bonus at maturity for child's future
  • Risk on child commences after deferment period (2 years / age 6)
  • Death before risk commencement refunds base premium
  • After risk commencement pays 25% of sum assured plus vested bonus (or premium if higher)
Nepal Life logo
Nepal LifeSunaulo Bhabisya Jeevan Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 25,370/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 60-65 per 1,000 sum assured/yr (FY 2081/82)

  • With-profit endowment with accrued reversionary bonus
  • Two options including post-maturity survival income (Option 2)
  • Death benefit 100% SA + bonus during premium period
  • Flexible premium modes including salary-saving and single
With-profit endowment with two options; Option 2 adds post-premium-term survival payouts of 5% SA/yr until age 79 plus full bonus at 80.
योजना विवरण
  • With-profit endowment with accrued reversionary bonus
  • Two options including post-maturity survival income (Option 2)
  • Death benefit 100% SA + bonus during premium period
  • Flexible premium modes including salary-saving and single
  • Policy loan up to 90% of surrender value
IME Life logo
IME LifeIME Foreign Employment Term Planवैदेशिक रोजगार
वार्षिक प्रिमियम
Rs 1,486 once
दाबी अनुपात
79.9%
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–6 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Fixed Rs 10,00,000 sum assured on death
  • Funeral expense Rs 1,00,000 and repatriation expense Rs 1,00,000
  • Loss of income benefit Rs 2,00,000
  • Permanent total disability Rs 10,00,000; temporary partial disability up to Rs 5,00,000
The Foreign Employment Term Life Policy is a compulsory, single-premium term life insurance that every Nepali going abroad for work must buy before the Department of Foreign Employment (DoFE) issues a labour permit / e-Sticker. It is sold only by Nepal Insurance Authority (NIA)-licensed life insurers (currently around 10 companies such as Nepal Life, IME Life, Citizen Life, SuryaJyoti and Reliable Life) under a government-standardised benefit structure. It pays a fixed sum assured of NPR 1,000,000 on death, plus add-ons for funeral expenses, body repatriation, loss of income, accidental disability, critical illness and emergency medical costs faced by the migrant worker during the contract period. The term is bought to match the employment contract (roughly 1 to 6.5 years, usually contract plus 6 months) and is renewed each time the worker's permit is renewed.
योजना विवरण
  • Fixed Rs 10,00,000 sum assured on death
  • Funeral expense Rs 1,00,000 and repatriation expense Rs 1,00,000
  • Loss of income benefit Rs 2,00,000
  • Permanent total disability Rs 10,00,000; temporary partial disability up to Rs 5,00,000
  • Medical reimbursement up to Rs 1,00,000
  • Term up to 6.5 years matching foreign employment contract
National Life logo
National LifeTraditional Endowment Assurance Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,845/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
16–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)

  • Sum assured plus bonus on maturity
  • Sum assured plus bonus to nominee on death
  • With-profit (participating) plan
  • Loan facility against policy
Classic with-profit endowment paying sum assured plus accrued bonus on survival to maturity or on death during the term.
योजना विवरण
  • Sum assured plus bonus on maturity
  • Sum assured plus bonus to nominee on death
  • With-profit (participating) plan
  • Loan facility against policy
  • Tax exemption under ITA 2058
MetLife logo
MetLifeMidterm Growth Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 35,150/yr
दाबी अनुपात
85.23%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–22 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Reversionary bonuses (participating); rate declared annually

  • 40% face amount survival payout at policy midterm
  • 60% of face amount plus reversionary bonuses at maturity
  • Death benefit 100% of face amount + bonuses before midterm
  • Death benefit 200% of face amount + bonuses after midterm
Participating anticipated endowment plan that pays 40% of the face amount at the policy midpoint and the remaining 60% plus accrued reversionary bonuses at maturity, with enhanced death cover after the midterm payout.
योजना विवरण
  • 40% face amount survival payout at policy midterm
  • 60% of face amount plus reversionary bonuses at maturity
  • Death benefit 100% of face amount + bonuses before midterm
  • Death benefit 200% of face amount + bonuses after midterm
  • Child coverage available up to NPR 5,000,000
  • Choice of 6 policy terms from 12 to 22 years
Sanima Reliance logo
Sanima RelianceJoint Life Endowment Assurance Policy (Dampati)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,800/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–30 yr
प्रवेश उमेर
21–50
विशेषता

बोनस: Rs 20-30 per 1,000 sum assured/yr (FY 2081/82)

  • Covers both spouses under one policy
  • First-death pays Sum Assured; cover continues
  • Second death / maturity pays Sum Assured plus bonus
  • Max age gap between spouses 7 years
Joint endowment covering both spouses; first death pays sum assured, second death/maturity pays sum assured plus vested bonus.
योजना विवरण
  • Covers both spouses under one policy
  • First-death pays Sum Assured; cover continues
  • Second death / maturity pays Sum Assured plus bonus
  • Max age gap between spouses 7 years
  • Participating with annual bonus
Rastriya Jeevan logo
Rastriya JeevanJeevan Surakshyaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 23,251/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
16–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Combined life protection and guaranteed maturity savings
  • Lump-sum maturity benefit of sum assured plus accrued bonuses
  • Death cover (sum assured plus bonus) throughout the policy term
  • Loan available against surrender value after 3 years
Endowment-class protection-and-savings plan; one of the company's named individual endowment variants providing maturity payout with bonus plus death cover during the term.
योजना विवरण
  • Combined life protection and guaranteed maturity savings
  • Lump-sum maturity benefit of sum assured plus accrued bonuses
  • Death cover (sum assured plus bonus) throughout the policy term
  • Loan available against surrender value after 3 years
  • Multiple premium-payment frequencies
LIC Nepal logo
LIC NepalJeevan Anandहोल लाइफ
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 1 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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

वार्षिक प्रिमियम: 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.
योजना विवरण
  • 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
Asian Life logo
Asian LifeAsian Surachha Plus (Term)टर्म
वार्षिक प्रिमियम
Rs 3,210/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–15 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Flexible-pay pure term cover
  • SA from Rs 25,000
  • Term 1-15 yrs, entry 18-64
  • Death pays sum assured
Pure term plan with single/limited/regular premium; SA from Rs 25,000, terms 1-15 yrs, entry 18-64, maturity age 65.
योजना विवरण
  • Flexible-pay pure term cover
  • SA from Rs 25,000
  • Term 1-15 yrs, entry 18-64
  • Death pays sum assured
  • Optional funeral, ADB, PTD, PWB riders
SuryaJyoti logo
SuryaJyotiSuryaJyoti Sajeelo Bhuktani Jeevan Beema (Yearly Money Back)मनी-ब्याक
वार्षिक प्रिमियम
Rs 7,885/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

  • Yearly survival benefit of 4-6% of sum assured
  • Terms of 10 to 20 years
  • Minimum sum assured Rs 500,000
  • Full sum assured plus bonus on death without deducting survival benefits
Money-back plan paying a fixed percentage of the sum assured every year, with remaining sum assured plus bonus at maturity.
योजना विवरण
  • Yearly survival benefit of 4-6% of sum assured
  • Terms of 10 to 20 years
  • Minimum sum assured Rs 500,000
  • Full sum assured plus bonus on death without deducting survival benefits
  • Multiple payout-percentage options by term
Himalayan Life logo
Himalayan LifeHimalayan Shuvalabhएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,980/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–15 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Guaranteed bonus Rs 40/1000 (single-pay) or Rs 60/1000 (regular) plus loyalty bonus

  • Guaranteed bonus Rs 40/1000 (single) or Rs 60/1000 (regular) at maturity
  • Loyalty bonus on top of guaranteed bonus
  • Stepped death benefit rising to 150% (single) or 200% (regular) of SA after year 5
  • Short 12 or 15 year term
Short-term endowment with a built-in guaranteed bonus plus loyalty bonus and escalating death cover.
योजना विवरण
  • Guaranteed bonus Rs 40/1000 (single) or Rs 60/1000 (regular) at maturity
  • Loyalty bonus on top of guaranteed bonus
  • Stepped death benefit rising to 150% (single) or 200% (regular) of SA after year 5
  • Short 12 or 15 year term
  • CI cover up to NPR 25 lakh and PA up to NPR 50 lakh
Sun Nepal logo
Sun NepalSun Life Nabeen Ajeewan Jeevan Beema (Naveen Whole Life)होल लाइफ
वार्षिक प्रिमियम
Rs 29,520/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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
Reliable Life logo
Reliable LifeReliable Endowment and Whole Life Insurance Policyहोल लाइफ
वार्षिक प्रिमियम
Rs 28,520/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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).
योजना विवरण
  • 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
Prabhu Mahalaxmi logo
Prabhu MahalaxmiJeevan Kiran Beema (Child Endowment Plan)बाल
वार्षिक प्रिमियम
Rs 30,550/yr
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–30 yr
प्रवेश उमेर
0–16
विशेषता

बोनस: Rs 33-70 per 1,000 sum assured/yr (Child Jeevan Kiran)

  • Endowment savings plan targeted at a child's future needs
  • Premium waiver protects the plan if the paying parent dies
  • Sum assured plus vested bonus at maturity
  • Bonus band Rs 33-70 per 1,000
Child-focused endowment plan building a savings corpus for a child's future with life cover and bonus.
योजना विवरण
  • Endowment savings plan targeted at a child's future needs
  • Premium waiver protects the plan if the paying parent dies
  • Sum assured plus vested bonus at maturity
  • Bonus band Rs 33-70 per 1,000
  • Policy loan available against surrender value
Citizen Life logo
Citizen LifeCitizen Group Endowment Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 21,980/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Vested bonus declared annually (rate not published)

  • With-profit group life cover combining protection and savings
  • Minimum sum assured NPR 400,000 per member
  • Sum assured plus vested bonus at maturity
  • Paid-up value after 2 years; surrender after 3 years
With-profit group endowment combining life protection and savings for organisations, paying sum assured plus vested bonus at maturity (min NPR 400,000 per member).
योजना विवरण
  • With-profit group life cover combining protection and savings
  • Minimum sum assured NPR 400,000 per member
  • Sum assured plus vested bonus at maturity
  • Paid-up value after 2 years; surrender after 3 years
  • Designed for organizations covering employees/members
Nepal Life logo
Nepal LifeNaulo Surakshit Jeevan Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 25,799/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–55 yr
प्रवेश उमेर
18–70
विशेषता

बोनस: Rs 65-82 per 1,000 sum assured/yr (Naulo Suraksha category, FY 2081/82)

  • With-profit endowment
  • High entry age up to 70 years
  • Maturity and death benefit both SA + accrued bonus
  • Long terms up to 55 years
Standard with-profit endowment with high entry age (up to 70) and long terms.
योजना विवरण
  • With-profit endowment
  • High entry age up to 70 years
  • Maturity and death benefit both SA + accrued bonus
  • Long terms up to 55 years
  • Policy loan after 3 years
National Life logo
National LifeJeewan Shree Sabadhik Amrit Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 25,120/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–30 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (5-25 yr terms, FY 2081/82)

  • 9% of basic sum assured paid annually as survival benefit after premium term
  • Coverage to age 80
  • Vested reversionary bonus participation
  • Return of premiums (without interest) if death before risk commencement
With-profit endowment with annual survival payouts (money-back style) after premium term, maturity benefit plus bonus to age 80.
योजना विवरण
  • 9% of basic sum assured paid annually as survival benefit after premium term
  • Coverage to age 80
  • Vested reversionary bonus participation
  • Return of premiums (without interest) if death before risk commencement
  • Multiple limited premium-paying terms (15/20/25/30 yrs)
IME Life logo
IME LifeIME Simple Endowment Plan (IME Saral Sawadhik Bima Yojana)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,175/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 32-70 per 1,000 sum assured/yr (endowment, FY 2080/81)

  • Full Sum Assured plus vested bonus on death any time during term
  • Full Sum Assured plus vested bonus on maturity survival
  • Participating plan earning annual reversionary bonus
  • Loan facility once surrender value accrues
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.
योजना विवरण
  • Full Sum Assured plus vested bonus on death any time during term
  • Full Sum Assured plus vested bonus on maturity survival
  • Participating plan earning annual reversionary bonus
  • Loan facility once surrender value accrues
  • Tax benefits on premium
  • Funeral expense rider: 25% of SA or Rs 200,000 whichever is less
Sanima Reliance logo
Sanima RelianceGroup Endowment Assurance Policyएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,800/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
—
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 20 per 1,000 sum assured/yr (FY 2081/82)

  • Group savings-cum-protection plan
  • Sum Assured plus bonus at maturity
  • Death benefit during term
  • Participating with annual bonus (Rs 20/thousand)
Group endowment plan for organisations; pays sum assured plus bonus on maturity or earlier death of covered members.
MetLife logo
MetLifeDouble Protection Plus Planहोल लाइफ
वार्षिक प्रिमियम
Rs 46,575/yr
दाबी अनुपात
85.23%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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 Jeevan logo
Rastriya JeevanChildren's Marriage and Education Endowment Life Assuranceबाल
वार्षिक प्रिमियम
Rs 23,585/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
0–15
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Builds a guaranteed maturity fund for a child's education and marriage
  • Premium Waiver Benefit continues the policy if the proposing parent dies
  • Annual bonus accrual (Rs 60 per 1,000 SA for FY 2080/81)
  • Maturity payout timed to the child's higher-education / marriage age
Endowment plan taken by a parent/proposer on a child to build a guaranteed fund for the child's education and marriage, with a premium-waiver safeguard if the proposer dies.
योजना विवरण
  • Builds a guaranteed maturity fund for a child's education and marriage
  • Premium Waiver Benefit continues the policy if the proposing parent dies
  • Annual bonus accrual (Rs 60 per 1,000 SA for FY 2080/81)
  • Maturity payout timed to the child's higher-education / marriage age
  • Loan facility against surrender value after 3 years
LIC Nepal logo
LIC NepalEndowment Planएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 50,000
पोलिसी अवधि
10–52 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Sum Assured plus vested bonus at maturity
  • Death benefit during term
  • Policy term 10 to 52 years (max age 70)
  • Becomes paid-up after 3 full years

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Classic with-profit endowment paying Sum Assured plus vested bonus on survival to maturity, or on death during term.
योजना विवरण
  • Sum Assured plus vested bonus at maturity
  • Death benefit during term
  • Policy term 10 to 52 years (max age 70)
  • Becomes paid-up after 3 full years
  • Loan up to 90% of surrender value after 3 years
  • Riders available age 18-70
SuryaJyoti logo
SuryaJyotiSuryaJyoti Samunnati Jeevan Beema (Limited Payment Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 7,885/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

  • Premiums paid for a shorter limited term than the cover period
  • Policy terms of 10, 15, 20 or 25 years
  • Premium-paying terms from 5 to 20 years
  • Minimum sum assured Rs 50,000
Limited-premium endowment where premiums are paid for a shorter period than the policy term, paying sum assured plus bonus at maturity.
योजना विवरण
  • Premiums paid for a shorter limited term than the cover period
  • Policy terms of 10, 15, 20 or 25 years
  • Premium-paying terms from 5 to 20 years
  • Minimum sum assured Rs 50,000
  • Two benefit options including enhanced death cover
Asian Life logo
Asian LifeBhabisya Nidhi Sawadhikएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,655/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Participating (accrued bonus)

  • Two cover options: Golden (150% SA after 3 yrs) and Diamond (up to 200% SA after 5 yrs)
  • Min SA Rs 100,000
  • Enhanced death benefit by duration
  • Terms 5-30 yrs
Provident-fund-style endowment with Golden/Diamond death-benefit options (150%-200% of SA by duration); min SA Rs 100,000, terms 5-30 yrs.
योजना विवरण
  • Two cover options: Golden (150% SA after 3 yrs) and Diamond (up to 200% SA after 5 yrs)
  • Min SA Rs 100,000
  • Enhanced death benefit by duration
  • Terms 5-30 yrs
  • Entry 18-65, maturity age 70
Himalayan Life logo
Himalayan LifeHimalayanLife Saral Beemaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,980/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–49 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: —

  • Affordable entry sum assured from NPR 25,000
  • Sum assured plus bonus on both maturity and death
  • Long term up to 49 years
  • ADB and TPD riders up to NPR 1 crore
Simple low-cost with-profits endowment with low minimum sum assured and wide term range.
योजना विवरण
  • Affordable entry sum assured from NPR 25,000
  • Sum assured plus bonus on both maturity and death
  • Long term up to 49 years
  • ADB and TPD riders up to NPR 1 crore
  • CI up to NPR 25 lakh, PA up to NPR 50 lakh
Reliable Life logo
Reliable LifeReliable Endowment Life Insuranceएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 32,180/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Endowment/whole-life band Rs 30-50 per 1,000 sum assured/yr (FY 2080/81), rising with term

  • Death benefit = insured amount + accrued bonus to nominee
  • Maturity benefit = insured amount + accrued bonus
  • With-profits annual reversionary bonus
  • Multiple premium frequencies: yearly/half-yearly/quarterly/monthly
Flagship with-profits endowment plan paying sum assured plus accrued bonus on death or maturity.
योजना विवरण
  • Death benefit = insured amount + accrued bonus to nominee
  • Maturity benefit = insured amount + accrued bonus
  • With-profits annual reversionary bonus
  • Multiple premium frequencies: yearly/half-yearly/quarterly/monthly
  • Medical exam required above age 50 for rider issuance
Sun Nepal logo
Sun NepalDhananjaya Yearly Moneyback Endowmentमनी-ब्याक
वार्षिक प्रिमियम
Rs 34,160/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)

  • 5% of sum assured paid every policy anniversary as regular income
  • Remaining sum assured plus bonus at maturity
  • Full sum assured plus vested bonus on death during term
  • Term 5-20 years
Endowment with annual moneyback: pays 5% of sum assured every policy anniversary, with remaining sum assured plus vested bonus at maturity.
योजना विवरण
  • 5% of sum assured paid every policy anniversary as regular income
  • Remaining sum assured plus bonus at maturity
  • Full sum assured plus vested bonus on death during term
  • Term 5-20 years
  • Minimum sum assured Rs 100,000
Prabhu Mahalaxmi logo
Prabhu MahalaxmiMahalaxmi Barshik Dhanfirta Beema (Anticipated/Money Back Plan)मनी-ब्याक
वार्षिक प्रिमियम
Rs 37,870/yr
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 35 per 1,000 sum assured/yr (flat)

  • Pays back 5% of sum assured on every policy anniversary while in force
  • Death benefit of twice the sum assured plus accrued bonus during the term
  • Balance sum assured plus bonus at maturity
  • Flat bonus of Rs 35 per 1,000 sum assured
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.
योजना विवरण
  • Pays back 5% of sum assured on every policy anniversary while in force
  • Death benefit of twice the sum assured plus accrued bonus during the term
  • Balance sum assured plus bonus at maturity
  • Flat bonus of Rs 35 per 1,000 sum assured
  • Provides periodic liquidity plus final maturity lump sum
Citizen Life logo
Citizen LifeCitizen Group Term Insurance Planटर्म
वार्षिक प्रिमियम
Rs 28,585/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • One-year term plan renewable up to age 64
  • For groups with employee-employer relationship
  • Single master policy issued to the group
  • New members added at joining on pro-rata premium
One-year renewable group term life plan for employer-employee groups under a single master policy, renewable up to age 64.
योजना विवरण
  • One-year term plan renewable up to age 64
  • For groups with employee-employer relationship
  • Single master policy issued to the group
  • New members added at joining on pro-rata premium
  • Pure protection death cover
Nepal Life logo
Nepal LifeKetaketi Sunaulo Bhawishya Jeevan Beema Yojanaबाल
वार्षिक प्रिमियम
Rs 26,955/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 65-82 per 1,000 sum assured/yr (Naulo Ketaketi category, FY 2081/82)

  • Child future-savings endowment (child entry 1 month to 17 yrs)
  • Proposer/parent entry 21-65 yrs
  • Premium waiver continuing cover on proposer's death
  • Risk commences at 2 yrs or child age 5
Child endowment with proposer (parent) premium-waiver on death; SA + vested bonus to child at maturity.
योजना विवरण
  • Child future-savings endowment (child entry 1 month to 17 yrs)
  • Proposer/parent entry 21-65 yrs
  • Premium waiver continuing cover on proposer's death
  • Risk commences at 2 yrs or child age 5
  • Loan up to 90% of SV or 25% of SA + bonus
National Life logo
National LifeYakal Sabadhik Amrit (Single Premium Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 25,120 once
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
12–60
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • One-time single premium payment
  • Sum assured plus bonus on maturity or death
  • With-profit participation
  • Loan facility
Single-premium endowment plan paying sum assured plus accrued bonus at maturity or on death.
योजना विवरण
  • One-time single premium payment
  • Sum assured plus bonus on maturity or death
  • With-profit participation
  • Loan facility
  • No recurring premium obligations
IME Life logo
IME LifeIME Child Endowment Plan (IME Bal Ujjwal)बाल
वार्षिक प्रिमियम
Rs 26,025/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 30-65 per 1,000 sum assured/yr (Bal Umang/child plans, FY 2080/81)

  • Child entry age 0-17, matures by child age 32
  • Full Sum Assured plus vested bonus at maturity for child's education/future
  • On child death during term: 25% SA plus bonus or total premiums, whichever higher
  • Compulsory premium-waiver so policy continues if proposer dies
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.
योजना विवरण
  • Child entry age 0-17, matures by child age 32
  • Full Sum Assured plus vested bonus at maturity for child's education/future
  • On child death during term: 25% SA plus bonus or total premiums, whichever higher
  • Compulsory premium-waiver so policy continues if proposer dies
  • Compulsory income benefit on proposer death/disability
  • Loan facility once surrender value accrues
Sanima Reliance logo
Sanima RelianceAnnual Money Back Policy (Modified / Dhana Firta)मनी-ब्याक
वार्षिक प्रिमियम
Rs 29,935/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–20 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Rs 19-30 per 1,000 sum assured/yr (Modified 30; Annual 19-21) (FY 2081/82)

  • Fixed 5% of Sum Assured paid every year from year 2
  • Death pays full Sum Assured plus bonus regardless of survival benefits already paid
  • Maturity bonus on 20-year term
  • Participating anticipated endowment
Participating anticipated endowment paying 5% of sum assured every year from year 2 to maturity, plus maturity benefit and bonus.
Rastriya Jeevan logo
Rastriya JeevanJoint Life Plan (Jeevan Sathi)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,845/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Single policy covers two lives (husband and wife) under one premium
  • Avoids running two separate policies and duplicate premium administration
  • Full sum assured plus vested bonus paid on death of both lives during term
  • Maturity payout of sum assured plus bonus on joint survival
Single endowment policy covering two lives (typically husband and wife, both gainfully employed); one policy, one premium covers the couple, with sum assured plus bonus paid on death of either/both or at maturity.
योजना विवरण
  • Single policy covers two lives (husband and wife) under one premium
  • Avoids running two separate policies and duplicate premium administration
  • Full sum assured plus vested bonus paid on death of both lives during term
  • Maturity payout of sum assured plus bonus on joint survival
  • Policy loan available once surrender value is acquired
LIC Nepal logo
LIC NepalMoney Back Planमनी-ब्याक
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 20,000
पोलिसी अवधि
15–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
  • Full Sum Assured paid on death irrespective of survival payments already made
  • Available in 5 plan variants (334/335/336/337/339)
  • Paid-up after 2 full years; surrender after 3 years

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Anticipated-endowment money-back plan (plan nos. 334/335/336/337/339) giving periodic survival payouts during the term plus death cover and bonus.
योजना विवरण
  • Periodic survival benefit payouts (e.g. 15-yr plan: 15%/25%/60%; 25-yr plan: 10%/15%/25%/50%)
  • Full Sum Assured paid on death irrespective of survival payments already made
  • Available in 5 plan variants (334/335/336/337/339)
  • Paid-up after 2 full years; surrender after 3 years
  • Loan up to 90% of surrender value
  • Riders incl. term rider available
MetLife logo
MetLifeSubhabisya Beema (Retirement Plan)पेन्सन
वार्षिक प्रिमियम
On request
दाबी अनुपात
85.23%
बीमाङ्क
Rs 50,000–Rs 5 crore
पोलिसी अवधि
10–30 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: —

  • Choice of lifetime income or 20-year guaranteed monthly pension
  • Coverage continues to age 100
  • 5 policy term options from 10 to 30 years
  • Lifetime Income Rider pays Rs 1,500 to Rs 40,000 per month

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Retirement and pension plan that builds a maturity corpus and converts it into lifetime or 20-year guaranteed monthly income, with coverage continuing to age 100.
योजना विवरण
  • Choice of lifetime income or 20-year guaranteed monthly pension
  • Coverage continues to age 100
  • 5 policy term options from 10 to 30 years
  • Lifetime Income Rider pays Rs 1,500 to Rs 40,000 per month
  • Sum assured up to NPR 50,000,000
  • NIA Product Code NIA/LI005/2067/068/EP/0009
SuryaJyoti logo
SuryaJyotiSuryaJyoti Chaurasi Puja Jeevan Beema (Limited Payment Anticipated Whole Life)होल लाइफ
वार्षिक प्रिमियम
Rs 7,885/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–50 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: 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.
योजना विवरण
  • 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
Asian Life logo
Asian LifeAsian Moneyback-20मनी-ब्याक
वार्षिक प्रिमियम
Rs 25,365/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
20 yr
प्रवेश उमेर
18–45
विशेषता

बोनस: Participating (declared bonus)

  • 20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
  • Min SA Rs 50,000
  • Entry 18-45, maturity age 65
  • Loan and surrender available
20-year money-back plan paying 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity; min SA Rs 50,000, entry 18-45.
योजना विवरण
  • 20-year money-back: 20% SA at yr 10, 30% at yr 15, 50% plus bonus at maturity
  • Min SA Rs 50,000
  • Entry 18-45, maturity age 65
  • Loan and surrender available
  • Participating with bonus
Himalayan Life logo
Himalayan LifeHimalayan Anmol Ratna Bal (Sawadhik) Jeevan Beemaबाल
वार्षिक प्रिमियम
Rs 25,720/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–27 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: —

  • Child entry from newborn to age 17, maturity at child age up to 27
  • Full premium refund if child dies before risk commencement
  • On proposer death: premium waiver plus monthly income benefit options
  • Risk commences 2 years after start or after child reaches age 6
Children's endowment with premium-waiver and income benefit on parent's death, maturity around child's adulthood.
योजना विवरण
  • Child entry from newborn to age 17, maturity at child age up to 27
  • Full premium refund if child dies before risk commencement
  • On proposer death: premium waiver plus monthly income benefit options
  • Risk commences 2 years after start or after child reaches age 6
  • Surrender, paid-up and loan facilities available
Sun Nepal logo
Sun NepalSun Life Endowment Golden Plan (Sunlife Sawadhik Sunaulo Yojana)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 36,490/yr
दाबी अनुपात
98.71%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Rs 30-52 per 1,000 sum assured/yr (FY 2080/81, Sawalikh Sunaulo)

  • Enhanced maturity: 25-40% extra sum assured added by term length
  • Death benefit 150% of basic sum assured plus bonuses
  • Minimum sum assured Rs 200,000
  • Term 10-20 years
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.
योजना विवरण
  • Enhanced maturity: 25-40% extra sum assured added by term length
  • Death benefit 150% of basic sum assured plus bonuses
  • Minimum sum assured Rs 200,000
  • Term 10-20 years
  • Participating - receives annual bonus
Reliable Life logo
Reliable LifeReliable Samunnati Jeevan Beemaमनी-ब्याक
वार्षिक प्रिमियम
Rs 36,980/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
16–65
विशेषता

बोनस: Rs 20-23 per 1,000 sum assured/yr (FY 2080/81)

  • Anticipated/money-back periodic survival benefits
  • Yearly/half-yearly/quarterly/monthly premium modes
  • Death benefit unaffected by survival payouts already received
  • Min sum assured Rs 5 lakh
Anticipated (money-back) endowment paying periodic survival benefits during the term plus bonus at maturity.
योजना विवरण
  • Anticipated/money-back periodic survival benefits
  • Yearly/half-yearly/quarterly/monthly premium modes
  • Death benefit unaffected by survival payouts already received
  • Min sum assured Rs 5 lakh
  • With-profits bonus at maturity
Citizen Life logo
Citizen LifeCitizen Protection Planलघु
वार्षिक प्रिमियम
Rs 28,585/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
—
विशेषता

बोनस: —

  • Group insurance plan for Micro Finance Institutions and Cooperatives
  • Provides life protection cover to members/borrowers
  • Single master policy issued to the institution
  • Suited to credit-life / member protection use cases
Group/micro protection plan issued to microfinance institutions and cooperatives to cover the lives of their members or borrowers.
Nepal Life logo
Nepal LifeJeevan Sahara Beema Yojanaहोल लाइफ
वार्षिक प्रिमियम
Rs 27,777/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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
National Life logo
National LifeSanjivani Sawadhik Amrit Jeevan Bimalekhएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 25,120/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yr
प्रवेश उमेर
12–65
विशेषता

बोनस: Simple reversionary bonus declared annually (Rs 60/1000 base, FY 2081/82)

  • Graduated death benefit: 100% (yr 1-5), 125% (yr 6-10), 150% (yr 11-15), 200% (yr 16-20) of sum assured plus bonus
  • Non-linked with-profit endowment
  • Simple reversionary bonus participation
  • Premium payment yearly/half-yearly/quarterly
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
  • Graduated death benefit: 100% (yr 1-5), 125% (yr 6-10), 150% (yr 11-15), 200% (yr 16-20) of sum assured plus bonus
  • Non-linked with-profit endowment
  • Simple reversionary bonus participation
  • Premium payment yearly/half-yearly/quarterly
  • NIA code NIA/LI002/2075/076/EP/0032
IME Life logo
IME LifeIME Surakshya Myadi (Term)टर्म
वार्षिक प्रिमियम
Rs 27,370/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–30 yr
प्रवेश उमेर
18–75
विशेषता

बोनस: —

  • Full Sum Assured paid to nominee on death during term
  • Wide entry age up to 75, maturity up to 76
  • Sum assured up to Rs 25,00,000
  • Yearly or single premium flexibility
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.
योजना विवरण
  • Full Sum Assured paid to nominee on death during term
  • Wide entry age up to 75, maturity up to 76
  • Sum assured up to Rs 25,00,000
  • Yearly or single premium flexibility
  • Optional accidental death and disability riders up to Rs 25 lakh
  • Term flexible from 1 to 30 years
Sanima Reliance logo
Sanima RelianceDhanapati Money Back Policy (12/15/20 Years)मनी-ब्याक
वार्षिक प्रिमियम
Rs 29,935/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: Rs 32-42 per 1,000 sum assured/yr (15-yr: 41, 20-yr: 45) (FY 2081/82)

  • Choice of 12, 15 or 20 year terms
  • Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
  • Death pays full Sum Assured plus bonus
  • Maturity age options 62/65/70
Money-back endowment with periodic survival payouts during the term and a lump-sum plus vested bonus at maturity.
योजना विवरण
  • Choice of 12, 15 or 20 year terms
  • Periodic survival payouts (e.g. 25% at yrs 4 & 8 on 12-yr term)
  • Death pays full Sum Assured plus bonus
  • Maturity age options 62/65/70
  • Participating with annual bonus
Rastriya Jeevan logo
Rastriya JeevanGroup Endowment Life Assurance (incl. Rastra Sewak / Public Servants Collective Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,845/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
16–60
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Group endowment for employers, institutions and government staff (Rastra Sewak scheme)
  • Combines life cover during service with a maturity/retirement payout
  • Premiums commonly collected via salary deduction; rates set by group size and risk
  • Annual bonus accrual on the group fund (Rs 60 per 1,000 SA)
Group savings-plus-protection endowment for organisations and government employees (Rastra Sewak), combining life cover with maturity benefits; premiums often via salary deduction and structured by group size/risk.
योजना विवरण
  • Group endowment for employers, institutions and government staff (Rastra Sewak scheme)
  • Combines life cover during service with a maturity/retirement payout
  • Premiums commonly collected via salary deduction; rates set by group size and risk
  • Annual bonus accrual on the group fund (Rs 60 per 1,000 SA)
  • Cost-effective bulk enrolment for large organisations and public bodies
Prabhu Mahalaxmi logo
Prabhu MahalaxmiSambridhha Jeevan Beema (Endowment Plan - Single)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 2,85,850 once
दाबी अनुपात
98.33%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 33-70 per 1,000 sum assured/yr

  • Single lump-sum premium endowment
  • Sum assured plus vested bonus at maturity
  • Full death cover during term
  • Eligible for policy loan
Single-premium variant of the Sambridhha Jeevan endowment plan; one lump-sum premium with maturity sum assured plus bonus.
योजना विवरण
  • Single lump-sum premium endowment
  • Sum assured plus vested bonus at maturity
  • Full death cover during term
  • Eligible for policy loan
  • Participates in profit/bonus declarations
LIC Nepal logo
LIC NepalEndowment Micro Life Insurance Planलघु
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 10,000–Rs 3 lakh
पोलिसी अवधि
5–49 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Sum Assured plus vested bonus on survival to maturity
  • Sum Assured plus vested bonus on death during term
  • Premium paying term same as policy term
  • Term 5 to 49 years

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

With-profit micro endowment paying Sum Assured plus vested bonus on survival or death; premium paying term equals policy term.
योजना विवरण
  • Sum Assured plus vested bonus on survival to maturity
  • Sum Assured plus vested bonus on death during term
  • Premium paying term same as policy term
  • Term 5 to 49 years
  • Paid-up after 3 full years
  • Loan up to 90% of surrender value after 3 years
MetLife logo
MetLifeFuture Care DPSपेन्सन
वार्षिक प्रिमियम
On request
दाबी अनुपात
85.23%
बीमाङ्क
Rs 1.5 crore
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–54
विशेषता

बोनस: —

  • DPS-style savings with maturity benefit driven by investment yield
  • Gold plan adds life coverage (e.g. Rs 600,000) plus accidental cover
  • Silver plan provides accidental coverage
  • Maturity convertible to 20-year guaranteed pension annuity to age 100

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Deposit-pension-scheme style savings plan where premiums accumulate at a market-linked yield to provide a maturity lump sum that can be taken as a 20-year guaranteed life annuity, with optional life and accident cover.
योजना विवरण
  • DPS-style savings with maturity benefit driven by investment yield
  • Gold plan adds life coverage (e.g. Rs 600,000) plus accidental cover
  • Silver plan provides accidental coverage
  • Maturity convertible to 20-year guaranteed pension annuity to age 100
  • Flexible annual premium from Rs 12,000 to Rs 3,000,000
  • Face amount up to NPR 15,000,000
SuryaJyoti logo
SuryaJyotiSuryaJyoti Sahi Plan (Term)टर्म
वार्षिक प्रिमियम
Rs 7,885/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–35 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Minimum term cover Rs 500,000
  • Entry age 18 to 60 years
  • Policy terms 5 to 35 years
  • Pure protection with low premiums
Pure term life plan providing high death cover at low cost; available online.
योजना विवरण
  • Minimum term cover Rs 500,000
  • Entry age 18 to 60 years
  • Policy terms 5 to 35 years
  • Pure protection with low premiums
  • Available online via dedicated portal
Asian Life logo
Asian LifeAsian Annuity / Pension Planपेन्सन
वार्षिक प्रिमियम
Rs 25,865/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
16–60
विशेषता

बोनस: —

  • Deferred annuity / pension plan
  • Annuity commencement from approx age 40 to 70
  • Min monthly annuity Rs 250
  • Guaranteed annuity periods 5/10/15/20 yrs
Deferred pension/annuity plan; premium term 5-54 yrs, entry 18-60, annuity from age 40-70, min monthly annuity Rs 250 with optional 3% escalation.
योजना विवरण
  • Deferred annuity / pension plan
  • Annuity commencement from approx age 40 to 70
  • Min monthly annuity Rs 250
  • Guaranteed annuity periods 5/10/15/20 yrs
  • Optional 3% annual annuity growth
Himalayan Life logo
Himalayan LifeHimalayan Surakshit Bhavisya Jeevan Beema Yojanaपेन्सन
वार्षिक प्रिमियम
Rs 26,275/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–30 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Annual pension of 6% of sum assured after premium paying term up to age 99
  • Full sum assured paid at age 100 or on earlier death
  • Combines endowment, whole-life and pension benefits
  • Minimum sum assured NPR 5 lakh
Retirement plan paying a 6%-of-sum-assured annual pension for life after the premium term, plus whole-life cover.
योजना विवरण
  • Annual pension of 6% of sum assured after premium paying term up to age 99
  • Full sum assured paid at age 100 or on earlier death
  • Combines endowment, whole-life and pension benefits
  • Minimum sum assured NPR 5 lakh
  • ADB and TPD/premium-waiver riders up to NPR 50 lakh
Citizen Life logo
Citizen LifeCitizen Jeevan Sarathi Yojanaहोल लाइफ
वार्षिक प्रिमियम
Rs 28,587/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
30–72 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: 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.
योजना विवरण
  • 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
Reliable Life logo
Reliable LifeReliable Anticipated Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 38,115/yr
दाबी अनुपात
97.92%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Advance/anticipated payment plans band Rs 50-55 per 1,000 sum assured/yr (FY 2080/81)

  • Survival refunds every 4 years of premium paid
  • Even-year terms 10 to 20 years
  • Accidental death pays insured amount + accidental benefit + accrued bonus
  • Entry age 18-55, maturity by 65
Money-back plan refunding a portion of the sum assured after every four years of premium payment, with bonus at maturity.
योजना विवरण
  • Survival refunds every 4 years of premium paid
  • Even-year terms 10 to 20 years
  • Accidental death pays insured amount + accidental benefit + accrued bonus
  • Entry age 18-55, maturity by 65
  • Optional critical-illness and hospitalization cover
Nepal Life logo
Nepal LifeJeevan Sarathi Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,725/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–30 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: Rs 62-85 per 1,000 sum assured/yr (highest NLIC rate, FY 2081/82)

  • Joint-life cover for husband and wife under one policy
  • Full SA + vested bonus on survival of either spouse
  • Highest declared bonus rate band (up to Rs 85/1,000)
  • ADB rider at Rs 1 per thousand
Joint-life (husband and wife) with-profit endowment; full SA + vested bonuses paid if either or both survive to maturity.
योजना विवरण
  • Joint-life cover for husband and wife under one policy
  • Full SA + vested bonus on survival of either spouse
  • Highest declared bonus rate band (up to Rs 85/1,000)
  • ADB rider at Rs 1 per thousand
  • Loan up to 90% of surrender value
National Life logo
National LifeYakal Sanjeevani Sabadhik Amrit (Single Premium Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 25,120 once
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yr
प्रवेश उमेर
12–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • One-time single premium payment
  • Sum assured plus bonus on maturity or death
  • With-profit participation
  • Loan facility
Single-premium with-profit endowment: one-time premium, sum assured plus bonus on maturity or death.
योजना विवरण
  • One-time single premium payment
  • Sum assured plus bonus on maturity or death
  • With-profit participation
  • Loan facility
  • No recurring premium obligations
IME Life logo
IME LifeIME Child Money Back Plan (IME Bal Umanga)बाल
वार्षिक प्रिमियम
Rs 27,370/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 30-65 per 1,000 sum assured/yr (Bal Umang, FY 2080/81)

  • Five survival installments each 20% of SA plus bonus
  • On child death: 25% SA plus vested bonus or total premiums received, whichever higher
  • Staggered payouts to fund education milestones
  • Premium waiver and income benefit riders protect against proposer death/disability
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.
योजना विवरण
  • Five survival installments each 20% of SA plus bonus
  • On child death: 25% SA plus vested bonus or total premiums received, whichever higher
  • Staggered payouts to fund education milestones
  • Premium waiver and income benefit riders protect against proposer death/disability
  • Optional accidental death and lump-sum riders
  • Loan facility once surrender value accrues
Sanima Reliance logo
Sanima RelianceLimited Payment Endowment Assurance Cum Whole Life (Dhanasanchaya)होल लाइफ
वार्षिक प्रिमियम
Rs 32,950/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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
Rastriya Jeevan logo
Rastriya JeevanEndowment Life Assuranceएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,845/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
16–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81; reversionary, varies with actuarial valuation)

  • Dual benefit: lump-sum maturity payout on survival, full sum assured plus bonus on death during term
  • Limited premium-paying term shorter than policy term (e.g. pay 16 yrs on a 20-yr policy)
  • Annual reversionary bonus (Rs 60 per 1,000 SA for FY 2080/81) accrues to the policy
  • Policy loan available up to 90% of surrender value after 3 years of premiums
Core individual savings-plus-protection plan: pays sum assured plus vested bonuses on maturity, or sum assured plus accrued bonus on death within the term. Available on limited-pay terms.
योजना विवरण
  • Dual benefit: lump-sum maturity payout on survival, full sum assured plus bonus on death during term
  • Limited premium-paying term shorter than policy term (e.g. pay 16 yrs on a 20-yr policy)
  • Annual reversionary bonus (Rs 60 per 1,000 SA for FY 2080/81) accrues to the policy
  • Policy loan available up to 90% of surrender value after 3 years of premiums
  • Flexible premium modes (annual/semi-annual/quarterly/monthly) with standard loadings
Sun Nepal logo
Sun NepalNawa DhanaLaxmi Jeevan Beema (Limited Payment Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.71%
बीमाङ्क
—
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 23-25 per 1,000 sum assured/yr (FY 2080/81)

  • Choice of 10/15/20-year policy term
  • Limited premium pay: 1, 3, 7, 12 or 16 years
  • Periodic survival payouts (e.g. 10-yr: 20% at yr3, 20% at yr7, 60%+bonus at yr10)
  • Maturity enhancement 10-20% of sum assured by term

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.
योजना विवरण
  • Choice of 10/15/20-year policy term
  • Limited premium pay: 1, 3, 7, 12 or 16 years
  • Periodic survival payouts (e.g. 10-yr: 20% at yr3, 20% at yr7, 60%+bonus at yr10)
  • Maturity enhancement 10-20% of sum assured by term
  • Participating - accrued bonus added
Prabhu Mahalaxmi logo
Prabhu MahalaxmiAmulya Jeevan Beema (Endowment cum Whole Life Plan)होल लाइफ
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.33%
बीमाङ्क
Rs 1 lakh–Rs 5 crore
पोलिसी अवधि
5–59 yr
प्रवेश उमेर
11–65
विशेषता

बोनस: 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

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.
योजना विवरण
  • 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 Nepal logo
LIC NepalBaal Unnatiबाल
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 1 lakh–Rs 1 crore
पोलिसी अवधि
8–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Guaranteed Addition Rs 55 per 1,000 SA (8-14 yr term); Rs 60 per 1,000 SA (15-25 yr term)

  • Guaranteed Addition Rs 55-60 per 1,000 Sum Assured per year
  • In-built monthly income benefit equal to 1% of Sum Assured
  • Child entry age 0-17, proposer age 20-50
  • Protects both child and proposer

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Without-profit child endowment plan with guaranteed additions and an in-built monthly income benefit, protecting both child and proposer.
योजना विवरण
  • Guaranteed Addition Rs 55-60 per 1,000 Sum Assured per year
  • In-built monthly income benefit equal to 1% of Sum Assured
  • Child entry age 0-17, proposer age 20-50
  • Protects both child and proposer
  • Sum Assured up to Rs 1 crore
  • Loan up to 90% of surrender value after 3 years
MetLife logo
MetLifeRural Micro Insurance (Rural Credit Micro Term & Rural Term)लघु
वार्षिक प्रिमियम
On request
दाबी अनुपात
85.23%
बीमाङ्क
Rs 5,000–Rs 20 lakh
पोलिसी अवधि
1–6 yr
प्रवेश उमेर
18–70
विशेषता

बोनस: —

  • Rural Credit Micro Term: loss of life & accidental death/PTD Rs 5,000-300,000
  • Rural Term: loss of life & accidental death/PTD Rs 5,000-2,000,000, term 1-6 years
  • Funeral expenses Rs 500 up to 40% of loss-of-life benefit
  • Entry age 18 to 70 years (nearest birthday)
Group micro-insurance distributed through microfinance institutions and cooperatives covering borrowers' loss of life, accidental death/permanent total disability and funeral expenses, protecting loan repayment for low-income borrowers.
योजना विवरण
  • Rural Credit Micro Term: loss of life & accidental death/PTD Rs 5,000-300,000
  • Rural Term: loss of life & accidental death/PTD Rs 5,000-2,000,000, term 1-6 years
  • Funeral expenses Rs 500 up to 40% of loss-of-life benefit
  • Entry age 18 to 70 years (nearest birthday)
  • Covers 600,000+ microfinance borrowers across 77 districts
  • Pays outstanding loan to lender, surplus to family
SuryaJyoti logo
SuryaJyotiSuryaJyoti Professional Endowment Insurance Policyएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 23,800/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

  • Designed for corporate / professional employees
  • Minimum sum assured Rs 15,00,000
  • Can serve as security for employer-provided loans
  • Death and disability benefits during the term
Endowment for corporate professionals that can secure employer-provided loans, with death/disability cover during the term and maturity benefit at end.
योजना विवरण
  • Designed for corporate / professional employees
  • Minimum sum assured Rs 15,00,000
  • Can serve as security for employer-provided loans
  • Death and disability benefits during the term
  • Monthly premium mode available; TPD paid in 120 monthly installments
Asian Life logo
Asian LifeNava Ratna Endowmentएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,800/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Participating (accrued bonus)

  • Endowment with flexible terms 5/10/15/20/25/30 yrs
  • Min SA Rs 50,000
  • Single to 25-yr premium payment options
  • Participating with bonus
Flexible-term participating endowment (terms 5-30 yrs); min SA Rs 50,000, entry 18-65, maturity age 70.
योजना विवरण
  • Endowment with flexible terms 5/10/15/20/25/30 yrs
  • Min SA Rs 50,000
  • Single to 25-yr premium payment options
  • Participating with bonus
  • Entry 18-65, maturity age 70
Himalayan Life logo
Himalayan LifeHimalayanLife Jeewan Surakshyaहोल लाइफ
वार्षिक प्रिमियम
Rs 29,140/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–54 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: —

  • 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.
योजना विवरण
  • 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
Nepal Life logo
Nepal LifeSmart Jeevan Beema Yojanaटर्म
वार्षिक प्रिमियम
Rs 28,725/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Non-participating single-premium one-year term
  • Min sum assured Rs 2,50,000
  • Sums above Rs 20 lakh require conventional policy
  • Death benefit paid to nominee during the year
Non-participating single-premium one-year term assurance for high family protection.
योजना विवरण
  • Non-participating single-premium one-year term
  • Min sum assured Rs 2,50,000
  • Sums above Rs 20 lakh require conventional policy
  • Death benefit paid to nominee during the year
  • Launched 2017 for high-protection-at-low-cost need
Citizen Life logo
Citizen LifeCitizen Regular Pay Money Back Insurance Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 41,621/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–21 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Reversionary bonus declared annually (rate not published)

  • 25% of sum assured paid at 1/3 of policy term
  • 30% of sum assured paid at 2/3 of policy term
  • 45% of sum assured plus reversionary bonus at maturity
  • Full sum assured plus bonus paid on death (survival benefits not deducted)
Anticipated (money-back) endowment paying staggered survival benefits at 1/3 and 2/3 of term plus a maturity lump sum and bonus, with full sum assured on death.
योजना विवरण
  • 25% of sum assured paid at 1/3 of policy term
  • 30% of sum assured paid at 2/3 of policy term
  • 45% of sum assured plus reversionary bonus at maturity
  • Full sum assured plus bonus paid on death (survival benefits not deducted)
  • Term options of 12, 15, 18 and 21 years
National Life logo
National LifeJeevan Amrit (Endowment cum Whole Life) Planहोल लाइफ
वार्षिक प्रिमियम
Rs 27,795/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
16–65
विशेषता

बोनस: 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.
योजना विवरण
  • Combined endowment + whole-life cover
  • Sum assured plus bonus on maturity
  • With-profit participation
  • Loan facility
  • Tax exemption under ITA 2058
IME Life logo
IME LifeIME Endowment cum Whole Life Plan (IME Aajeevan Sawadhik Beema Yojana)होल लाइफ
वार्षिक प्रिमियम
Rs 29,455/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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 Reliance logo
Sanima RelianceLimited Endowment Assurance (Simit Bhuktani Sawadik)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 32,950/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 40-65 per 1,000 sum assured/yr (FY 2081/82)

  • Limited premium payment term
  • Death benefit increases with policy year (100% rising to 225% of SA)
  • Risk coverage increases every 5 years
  • Maturity age up to 75 years
Limited premium paying endowment with increasing risk coverage every 5 years; flexible premium payment terms.
योजना विवरण
  • Limited premium payment term
  • Death benefit increases with policy year (100% rising to 225% of SA)
  • Risk coverage increases every 5 years
  • Maturity age up to 75 years
  • Participating with annual bonus
Rastriya Jeevan logo
Rastriya JeevanJeevan Bandhu (Double Benefit Life Insurance Plan)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 27,146/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
11–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Double benefit: payout at maturity on survival AND a separate death benefit to nominees afterwards
  • Coverage effectively continues even after the policy term / after the insured's death
  • Sum assured up to Rs 50 lakh (5,000,000)
  • Wide entry age band of 11 to 65 years
Flagship double-benefit plan combining endowment and whole-life features: pays a benefit at end of term if the insured survives and a further benefit to nominees on death, so coverage continues beyond the term.
योजना विवरण
  • Double benefit: payout at maturity on survival AND a separate death benefit to nominees afterwards
  • Coverage effectively continues even after the policy term / after the insured's death
  • Sum assured up to Rs 50 lakh (5,000,000)
  • Wide entry age band of 11 to 65 years
  • Annual bonus accrual and loan facility against surrender value
Sun Nepal logo
Sun NepalBhagyodaya Jeevan Beema (Single Premium Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.71%
बीमाङ्क
—
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 30-55 per 1,000 sum assured/yr (FY 2080/81)

  • One-time single premium - no recurring payments
  • Full sum assured plus declared bonuses on death or maturity
  • Participates in company profits (guaranteed bonuses)
  • Term 5-52 years

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Single-premium participating endowment: one-time payment secures savings plus life cover, with full sum assured plus bonuses at maturity or on death.
योजना विवरण
  • One-time single premium - no recurring payments
  • Full sum assured plus declared bonuses on death or maturity
  • Participates in company profits (guaranteed bonuses)
  • Term 5-52 years
  • Hassle-free savings plus life cover
Prabhu Mahalaxmi logo
Prabhu MahalaxmiForeign Employment Term Insuranceवैदेशिक रोजगार
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.33%
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–7 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Mandatory life cover for Nepali workers on foreign employment
  • Single premium covering the employment-contract period
  • Death and disability benefit while working abroad
  • Sold under Department of Foreign Employment scheme terms
Mandatory term life cover for Nepali migrant workers going abroad on foreign employment, sold under the government foreign-employment insurance scheme.
योजना विवरण
  • Mandatory life cover for Nepali workers on foreign employment
  • Single premium covering the employment-contract period
  • Death and disability benefit while working abroad
  • Sold under Department of Foreign Employment scheme terms
  • Term/short-duration cover with no maturity value
Reliable Life logo
Reliable LifeSajilo Jeevan Beemaएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
97.92%
बीमाङ्क
Rs 50,000–Rs 1 crore
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 25 per 1,000 (term 5-14 yrs); Rs 26 per 1,000 (15 yrs and above) per year, FY 2080/81 (single & limited-pay)

  • Single, limited or regular premium payment flexibility
  • Sum assured from just Rs 50,000
  • Death & maturity benefit = insured amount + accrued bonus
  • Monthly Income Benefit 1% of sum assured for minors until age 16

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Convenient endowment with flexible single, limited or regular premium payment; low Rs 50,000 entry sum assured.
योजना विवरण
  • Single, limited or regular premium payment flexibility
  • Sum assured from just Rs 50,000
  • Death & maturity benefit = insured amount + accrued bonus
  • Monthly Income Benefit 1% of sum assured for minors until age 16
  • Max maturity age 70
LIC Nepal logo
LIC NepalJeevan Shreeएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: Guaranteed Addition Rs 65 per 1,000 SA for first 5 years, then simple reversionary bonus

  • Guaranteed Addition Rs 65 per 1,000 Sum Assured for first 5 years
  • Reversionary bonus participation thereafter
  • Premium paying term options of 5, 10 or 15 years
  • Fixed 15-year policy term

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

High-value 15-year endowment with guaranteed additions for the first 5 years plus reversionary bonus thereafter; limited premium options.
योजना विवरण
  • Guaranteed Addition Rs 65 per 1,000 Sum Assured for first 5 years
  • Reversionary bonus participation thereafter
  • Premium paying term options of 5, 10 or 15 years
  • Fixed 15-year policy term
  • Minimum Sum Assured Rs 5,00,000
  • Riders available age 18-65
SuryaJyoti logo
SuryaJyotiSuryaJyoti Dhan Laav Jeevan Beema (Money Back)मनी-ब्याक
वार्षिक प्रिमियम
Rs 23,800/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yr
प्रवेश उमेर
18–58
विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

  • Terms of 12, 15 or 20 years
  • Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
  • Minimum sum assured Rs 50,000
  • Full sum assured plus bonus on death, no deduction for installments paid
Money-back endowment returning portions of the sum assured at intervals with bonus, plus full death cover.
योजना विवरण
  • Terms of 12, 15 or 20 years
  • Periodic survival payouts (e.g. 12-yr: 25%/25%/50%+bonus at years 4/8/12)
  • Minimum sum assured Rs 50,000
  • Full sum assured plus bonus on death, no deduction for installments paid
  • Optional critical illness cover up to Rs 50,00,000
Asian Life logo
Asian LifeSunaulo Bal Bhabisya (Child Endowment Plan)बाल
वार्षिक प्रिमियम
Rs 29,205/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Participating (accrued bonus)

  • Child plan, insured child age 0-17, proposer up to 65
  • Deferred risk commencement by child age
  • On proposer death: future premiums waived plus 1% of SA monthly income until child turns 18
  • Death benefit 25% of SA (or premiums paid) plus bonus
Child endowment; insured child 0-17 yrs, proposer max 65, terms 5-25 yrs, premium waiver plus monthly income on proposer death.
योजना विवरण
  • Child plan, insured child age 0-17, proposer up to 65
  • Deferred risk commencement by child age
  • On proposer death: future premiums waived plus 1% of SA monthly income until child turns 18
  • Death benefit 25% of SA (or premiums paid) plus bonus
  • Maturity age 18-25 for child
Himalayan Life logo
Himalayan LifeHimalayan Jeevan Aawaran Insurance Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 29,400/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
7–25 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: —

  • Sum assured plus additional sum assured plus accrued reversionary bonus on death
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
  • TPD: full SA paid in 120 monthly installments with balance at maturity/death
  • Monthly income benefit rider option
Endowment with enhanced death cover (additional sum assured) and monthly-income/TPD benefits.
योजना विवरण
  • Sum assured plus additional sum assured plus accrued reversionary bonus on death
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
  • TPD: full SA paid in 120 monthly installments with balance at maturity/death
  • Monthly income benefit rider option
  • Maturity pays SA plus vested bonus
Nepal Life logo
Nepal LifeSammunat Jeevan Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 29,676/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 56-70 per 1,000 sum assured/yr (FY 2081/82)

  • With-profit endowment
  • Enhanced death benefit: 2x SA natural, 3x SA accidental + bonus
  • Sum assured up to Rs 1 crore
  • Maturity = SA + accrued bonus
With-profit endowment paying double SA on natural death and triple SA on accidental death during the term.
योजना विवरण
  • With-profit endowment
  • Enhanced death benefit: 2x SA natural, 3x SA accidental + bonus
  • Sum assured up to Rs 1 crore
  • Maturity = SA + accrued bonus
  • Premium-mode discounts/loadings
Citizen Life logo
Citizen LifeCitizen Annual Money Back Insurance Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 41,621/yr
दाबी अनुपात
93.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Reversionary/vested bonus declared annually (rate not published)

  • 5% of sum assured paid on every policy anniversary as survival benefit
  • Full sum assured plus reversionary bonus on death
  • Maturity pays remaining sum assured plus vested bonus
  • Policy term 5 to 20 years
Money-back plan returning 5% of sum assured every year as a survival benefit, with full sum assured plus bonus on death and balance sum assured plus bonus at maturity.
योजना विवरण
  • 5% of sum assured paid on every policy anniversary as survival benefit
  • Full sum assured plus reversionary bonus on death
  • Maturity pays remaining sum assured plus vested bonus
  • Policy term 5 to 20 years
  • Single and regular premium options
National Life logo
National LifeAnnuity Planपेन्सन
वार्षिक प्रिमियम
Rs 27,795/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–40 yr
प्रवेश उमेर
20–60
विशेषता

बोनस: —

  • Regular annuity income stream
  • Retirement income planning
  • Multiple annuity payout options
  • Companion to the deferred Pension Plan
Annuity plan providing regular retirement income payouts; companion to the deferred Pension Plan.
IME Life logo
IME LifeIME Dhanbardhan Money Back Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 31,465/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–25 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Rs 22-63 per 1,000 sum assured/yr (advance/money-back plans, FY 2080/81)

  • Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
  • 20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
  • 25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
  • Full Sum Assured plus vested bonus on death irrespective of survival payouts already made
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.
योजना विवरण
  • Periodic survival benefits: e.g. 15-yr pays 30% (yr5), 20% (yr10), 50%+bonus (yr15)
  • 20-yr term: 20% at yrs 5/10/15 then 40%+bonus at yr20
  • 25-yr term: 20% at yrs 10/15/20 then 40%+bonus at yr25
  • Full Sum Assured plus vested bonus on death irrespective of survival payouts already made
  • Liquidity through staggered money-back installments
  • Loan and tax benefits
Sanima Reliance logo
Sanima RelianceMicro Term Assuranceलघु
वार्षिक प्रिमियम
Rs 35,605 once
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Affordable micro-insurance for low-income groups
  • One-year term, single premium
  • Low minimum sum assured Rs 10,000
  • Optional funeral benefit
One-year single-premium micro term plan for low-income segments; small sum assured with optional funeral benefit.
योजना विवरण
  • Affordable micro-insurance for low-income groups
  • One-year term, single premium
  • Low minimum sum assured Rs 10,000
  • Optional funeral benefit
  • Death benefit equal to Sum Assured
Rastriya Jeevan logo
Rastriya JeevanAnticipated Endowment Life Assurance (Money Back Plan)मनी-ब्याक
वार्षिक प्रिमियम
Rs 30,600/yr
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yr
प्रवेश उमेर
16–60
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Periodic 'money-back' survival benefits paid in instalments during the policy term
  • Full sum assured plus bonus paid on death even if survival benefits were already received
  • Remaining sum assured plus accrued bonus paid at maturity
  • Loan available up to 90% of surrender value after 3 years
Money-back endowment paying periodic survival benefits (instalments of the sum assured) during the term plus the balance with bonus at maturity, while full sum assured plus bonus is paid on death regardless of survival benefits already received.
योजना विवरण
  • Periodic 'money-back' survival benefits paid in instalments during the policy term
  • Full sum assured plus bonus paid on death even if survival benefits were already received
  • Remaining sum assured plus accrued bonus paid at maturity
  • Loan available up to 90% of surrender value after 3 years
  • Liquidity at regular intervals while retaining full life cover
Sun Nepal logo
Sun NepalNabikaran Myadi Jeevan Beema (Renewable Term Life)टर्म
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.71%
बीमाङ्क
Rs 2.5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Non-participating (no bonus)

  • Pure term protection - full sum assured on death during term
  • Renewable term cover
  • Affordable premiums (no savings component)
  • Term 5-25 years

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.
योजना विवरण
  • Pure term protection - full sum assured on death during term
  • Renewable term cover
  • Affordable premiums (no savings component)
  • Term 5-25 years
  • No maturity/surrender/paid-up value (non-participating)
Reliable Life logo
Reliable LifeReliable Sulav Bal Jeevan Bima Plusबाल
वार्षिक प्रिमियम
On request
दाबी अनुपात
97.92%
बीमाङ्क
Rs 3 lakh–Rs 50 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
0–15
विशेषता

बोनस: Rs 25 (5-9 yrs), Rs 29 (10-14 yrs), Rs 33 (15-19 yrs), Rs 41 (20+ yrs) per 1,000 sum assured/yr (FY 2080/81)

  • Designed for child's education, marriage and milestones
  • Premium waiver on proposer death/disability keeps policy in force
  • Monthly income benefit to child if proposer dies
  • Death benefit after 2-yr risk commencement: 25% immediate + 75% plus bonus at term end

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

With-profits child endowment funding education/marriage, with premium waiver and monthly income benefit if the proposer dies.
योजना विवरण
  • Designed for child's education, marriage and milestones
  • Premium waiver on proposer death/disability keeps policy in force
  • Monthly income benefit to child if proposer dies
  • Death benefit after 2-yr risk commencement: 25% immediate + 75% plus bonus at term end
  • Policy loan up to 90% of surrender value
LIC Nepal logo
LIC NepalBima Kiran Planएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 1 lakh–Rs 25 lakh
पोलिसी अवधि
—
प्रवेश उमेर
—
विशेषता

बोनस: —

  • Pre-decided Sum Assured payable on death
  • All premiums (excluding extra premium) refunded at maturity
  • Post-maturity benefit: 50% of Sum Assured payable if life assured dies within 10 years after maturity
  • Sum Assured Rs 1 lakh to Rs 25 lakh

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Endowment plan that refunds premiums at maturity and continues a post-maturity death benefit of 50% of sum assured for 10 years.
योजना विवरण
  • Pre-decided Sum Assured payable on death
  • All premiums (excluding extra premium) refunded at maturity
  • Post-maturity benefit: 50% of Sum Assured payable if life assured dies within 10 years after maturity
  • Sum Assured Rs 1 lakh to Rs 25 lakh
  • No policy loan or surrender value
SuryaJyoti logo
SuryaJyotiSuryaJyoti Naulo Baal Jeevan Beema (Child Endowment)बाल
वार्षिक प्रिमियम
Rs 23,800/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–27 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 40-75 per 1,000 sum assured/yr (FY2080/81)

  • Child entry age 0 to 17 years; proposer 18 to 70
  • Sum assured Rs 50,000 up to Rs 50,00,000
  • On proposer death: premium waiver plus monthly income of 1% of SA until maturity
  • On child death during term: 25% of SA plus bonus or total premiums paid (whichever higher)
Child endowment securing a child's future with maturity benefit, premium waiver and income benefit on the proposer's death.
योजना विवरण
  • Child entry age 0 to 17 years; proposer 18 to 70
  • Sum assured Rs 50,000 up to Rs 50,00,000
  • On proposer death: premium waiver plus monthly income of 1% of SA until maturity
  • On child death during term: 25% of SA plus bonus or total premiums paid (whichever higher)
  • Maturity payout of sum assured plus bonus to the child
Asian Life logo
Asian LifeSukhi Jiwan Plus (Whole Life Endowment)होल लाइफ
वार्षिक प्रिमियम
Rs 30,650/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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
Himalayan Life logo
Himalayan LifeHimalayan Jeevan Adhar Insurance Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 29,400/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: —

  • Annual survival benefit of 5% of sum assured during the term
  • Maturity pays SA less survival payments plus accrued bonus
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
  • TPD: full SA in 120 monthly installments
Money-back plan paying 5% of sum assured each year with bonus and full death cover throughout the term.
योजना विवरण
  • Annual survival benefit of 5% of sum assured during the term
  • Maturity pays SA less survival payments plus accrued bonus
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
  • TPD: full SA in 120 monthly installments
  • Policy loan and tax benefits available
Nepal Life logo
Nepal LifeAnmol Jeevan Beema Yojanaहोल लाइफ
वार्षिक प्रिमियम
Rs 31,259/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–50 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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 Life logo
National LifeDampati Amrit Sawadhik Jeevan Beema (Couple/Joint Life)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,205/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • Single policy covering both spouses
  • On first death: sum assured to survivor + premiums waived
  • On second death: sum assured plus bonus to nominee
  • With-profit participation
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.
योजना विवरण
  • Single policy covering both spouses
  • On first death: sum assured to survivor + premiums waived
  • On second death: sum assured plus bonus to nominee
  • With-profit participation
  • Loan facility
Sanima Reliance logo
Sanima RelianceEndowment Assurance Cum Whole Life (Sukhamaya)होल लाइफ
वार्षिक प्रिमियम
Rs 37,500/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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
IME Life logo
IME LifeIME Child Annual Money Back Plan (IME Bal Kiran)बाल
वार्षिक प्रिमियम
Rs 35,730/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 30-60 per 1,000 sum assured/yr (Bal Kiran, FY 2080/81)

  • 4% of Sum Assured paid annually from policy year 4 until year before maturity
  • At maturity pays [125% - (U-4)x4%] of SA plus vested bonus
  • Before risk commencement: all premiums refunded on death
  • After risk: death benefit greater of 25% SA + bonus or total premiums paid
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.
योजना विवरण
  • 4% of Sum Assured paid annually from policy year 4 until year before maturity
  • At maturity pays [125% - (U-4)x4%] of SA plus vested bonus
  • Before risk commencement: all premiums refunded on death
  • After risk: death benefit greater of 25% SA + bonus or total premiums paid
  • Compulsory premium waiver and income benefit on proposer death/disability
  • NIA approved 2025 (code NIA/LI010/2081/082/CP0012)
Sun Nepal logo
Sun NepalMyadi Laghu Sanyukta Jeevan Beema Yojana (Joint Micro Term)लघु
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.71%
बीमाङ्क
Rs 10,000–Rs 3 lakh
पोलिसी अवधि
2–5 yr
प्रवेश उमेर
22–65
विशेषता

बोनस: Non-participating (no surrender or paid-up value)

  • Covers husband and wife under one policy
  • Full sum assured plus 10% funeral expense on death of either spouse
  • Accidental total permanent disability pays full sum assured in 120 monthly installments
  • Single premium, term 2-5 years

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
  • Covers husband and wife under one policy
  • Full sum assured plus 10% funeral expense on death of either spouse
  • Accidental total permanent disability pays full sum assured in 120 monthly installments
  • Single premium, term 2-5 years
  • Affordable micro cover Rs 10,000 to Rs 300,000
Reliable Life logo
Reliable LifeReliable Sarba-Sulav Bal Jeevan Beemaबाल
वार्षिक प्रिमियम
On request
दाबी अनुपात
97.92%
बीमाङ्क
Rs 3 lakh–Rs 50 lakh
पोलिसी अवधि
5–54 yr
प्रवेश उमेर
0–15
विशेषता

बोनस: Rs 25-41 per 1,000 sum assured/yr by term band (FY 2080/81, Sulav Bal family)

  • Builds corpus for child's education/marriage
  • Single, limited and regular pay options
  • Premium Waiver covers all future premiums on proposer death/disability
  • Monthly Income Benefit 1% of sum assured paid in arrears

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

With-profits child endowment with structured policy/payment-term combinations and flexible single/limited/regular pay.
योजना विवरण
  • Builds corpus for child's education/marriage
  • Single, limited and regular pay options
  • Premium Waiver covers all future premiums on proposer death/disability
  • Monthly Income Benefit 1% of sum assured paid in arrears
  • Structured policy term / payment term combinations
LIC Nepal logo
LIC NepalJeevan Saathiएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 2 lakh
पोलिसी अवधि
15 yr
प्रवेश उमेर
18–75
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Joint life cover for policyholder and spouse
  • Normal death 150% risk coverage; accidental death 250% risk coverage
  • Free insurance cover to spouse up to 50% of Sum Assured
  • Fixed 15-year term, premium paying term equal to term

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Joint-life with-profit endowment covering policyholder and spouse, with enhanced accidental cover and free continued cover for the surviving spouse.
योजना विवरण
  • Joint life cover for policyholder and spouse
  • Normal death 150% risk coverage; accidental death 250% risk coverage
  • Free insurance cover to spouse up to 50% of Sum Assured
  • Fixed 15-year term, premium paying term equal to term
  • Loan up to 90% of surrender value
  • Minimum Sum Assured Rs 2,00,000, no max
Rastriya Jeevan logo
Rastriya JeevanBal Umang Chhori Beema Lekhबाल
वार्षिक प्रिमियम
On request
दाबी अनुपात
—
बीमाङ्क
—
पोलिसी अवधि
18 yr
प्रवेश उमेर
0–10
विशेषता

बोनस: Rs 60 per 1,000 sum assured per year (FY 2080/81)

  • Endowment plan specifically for daughters, promoting girls' education and welfare
  • Run in collaboration with local governments for underprivileged families
  • Lump-sum maturity benefit payable at the girl's age 18
  • Aims to address gender-specific vulnerabilities and education access

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Endowment plan for daughters, launched with local governments to support health and education of girls from underprivileged families; pays a lump-sum maturity benefit when the girl reaches age 18.
योजना विवरण
  • Endowment plan specifically for daughters, promoting girls' education and welfare
  • Run in collaboration with local governments for underprivileged families
  • Lump-sum maturity benefit payable at the girl's age 18
  • Aims to address gender-specific vulnerabilities and education access
  • Annual bonus accrues over the policy term
SuryaJyoti logo
SuryaJyotiSuryaJyoti Three 20 Dhan Bahar Jeevan Beema (J-320 Money Back)मनी-ब्याक
वार्षिक प्रिमियम
Rs 23,800/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–21 yr
प्रवेश उमेर
18–58
विशेषता

बोनस: Rs 42-60 per 1,000 sum assured/yr (FY2080/81, advance/money-back category)

  • Sum assured returned in three installments (33%/33%/34%+bonus)
  • 5% of SA paid annually for 20 years after maturity
  • Guaranteed total return of 200% of sum assured
  • Terms of 12, 15, 18 or 21 years
Money-back plan returning the sum assured in three installments during the term, then 5% of SA annually for 20 years after maturity; total guaranteed 200% of SA.
योजना विवरण
  • Sum assured returned in three installments (33%/33%/34%+bonus)
  • 5% of SA paid annually for 20 years after maturity
  • Guaranteed total return of 200% of sum assured
  • Terms of 12, 15, 18 or 21 years
  • Single or regular premium options
Himalayan Life logo
Himalayan LifeHimalayan Jeevan Sampannaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 29,400/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Flexible single or limited premium paying terms (5/10/15/20 yrs)
  • Sum assured plus vested bonus on maturity and on death within term
  • Accidental death cover up to NPR 1 crore
  • Monthly income benefit on PTD up to 120 installments
Flexible-premium endowment with single or limited-pay options and rich term/PPT matrix.
योजना विवरण
  • Flexible single or limited premium paying terms (5/10/15/20 yrs)
  • Sum assured plus vested bonus on maturity and on death within term
  • Accidental death cover up to NPR 1 crore
  • Monthly income benefit on PTD up to 120 installments
  • Loan after 3 yrs (single) or 2 yrs/2 full premiums (regular)
Asian Life logo
Asian LifeAsian Limited Payment Endowment (Jeevan Ratna)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 31,801/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Participating (accrued bonus)

  • Limited premium payment term endowment
  • Min SA Rs 50,000
  • Loan and surrender available after 3 yrs
  • Long terms up to 54 yrs
Limited-pay participating endowment; min SA Rs 50,000, terms 5-54 yrs, entry 18-60, loan and surrender after 3 yrs.
योजना विवरण
  • Limited premium payment term endowment
  • Min SA Rs 50,000
  • Loan and surrender available after 3 yrs
  • Long terms up to 54 yrs
  • Entry 18-60, maturity age 70
Nepal Life logo
Nepal LifeJeevan Jyoti Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 31,825/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 60-82 per 1,000 sum assured/yr (FY 2081/82)

  • With-profit endowment with reversionary bonus
  • SA + accrued bonus at maturity and on death
  • Flexible premium modes
  • Optional accident and critical-illness riders
With-profit endowment savings-and-protection plan in NLIC's endowment range.
योजना विवरण
  • With-profit endowment with reversionary bonus
  • SA + accrued bonus at maturity and on death
  • Flexible premium modes
  • Optional accident and critical-illness riders
  • Policy loan facility
National Life logo
National LifeBachat Amrit Sawadhik Jeevan Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 28,205/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
11–55
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • Limited premium payment shorter than policy term
  • Bonus accrues for full term
  • Sum assured plus bonus on death or maturity
  • Loan up to 90% of surrender value
Savings-oriented limited-pay endowment: premiums paid for shorter period than term, sum assured plus accumulated bonus at maturity.
योजना विवरण
  • Limited premium payment shorter than policy term
  • Bonus accrues for full term
  • Sum assured plus bonus on death or maturity
  • Loan up to 90% of surrender value
  • Available terms 10/15/20 yrs
Sanima Reliance logo
Sanima RelianceEndowment / Whole Life (Dirghayu)होल लाइफ
वार्षिक प्रिमियम
Rs 37,500/yr
दाबी अनुपात
80.97%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
IME Life logo
IME LifeIME Money Back cum Whole Life Plan (IME Kalpadhan)होल लाइफ
वार्षिक प्रिमियम
Rs 36,790/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: 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
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.
योजना विवरण
  • 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
Sun Nepal logo
Sun NepalCredit Protection Planटर्म
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.71%
बीमाङ्क
—
पोलिसी अवधि
—
प्रवेश उमेर
—
विशेषता

बोनस: Non-participating (non-profit plan)

  • Covers borrower's outstanding loan on death/qualifying event
  • Pays the lending institution directly
  • Distributed through banks, MFIs, cooperatives, finance companies
  • Protects both borrower's family and lender
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
  • Covers borrower's outstanding loan on death/qualifying event
  • Pays the lending institution directly
  • Distributed through banks, MFIs, cooperatives, finance companies
  • Protects both borrower's family and lender
  • Non-profit group credit-life design
Reliable Life logo
Reliable LifeForeign Employment Term Life Insuranceवैदेशिक रोजगार
वार्षिक प्रिमियम
On request
दाबी अनुपात
97.92%
बीमाङ्क
Rs 10 lakh
पोलिसी अवधि
1–6 yr
प्रवेश उमेर
18
विशेषता

बोनस: —

  • Single-premium term cover for 1-6 year foreign-employment period
  • Accidental and natural death coverage abroad
  • Total & Permanent Disability (accident or sickness) benefit
  • Daily hospitalization cash for critical illness/accident treatment

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Compulsory single-premium term cover for Nepali migrant workers going abroad; covers death, disability, hospitalization.
योजना विवरण
  • Single-premium term cover for 1-6 year foreign-employment period
  • Accidental and natural death coverage abroad
  • Total & Permanent Disability (accident or sickness) benefit
  • Daily hospitalization cash for critical illness/accident treatment
  • Mandatory for Nepali workers going overseas
LIC Nepal logo
LIC NepalDhan Bristiमनी-ब्याक
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 1 lakh
पोलिसी अवधि
10–15 yr
प्रवेश उमेर
18
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Survival benefit every 3 years (33% of SA per payout on 10-yr term; 15% per payout on 15-yr term)
  • Maturity benefit 34% (10-yr) or 40% (15-yr) of SA plus accrued bonus
  • Death benefit: Sum Assured plus accrued reversionary bonus
  • Premium paying term equal to policy term

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Anticipated-endowment money-back plan paying survival benefits every 3 years plus reversionary bonus, available in 10- and 15-year terms.
योजना विवरण
  • Survival benefit every 3 years (33% of SA per payout on 10-yr term; 15% per payout on 15-yr term)
  • Maturity benefit 34% (10-yr) or 40% (15-yr) of SA plus accrued bonus
  • Death benefit: Sum Assured plus accrued reversionary bonus
  • Premium paying term equal to policy term
  • Multiple premium modes
  • Maturity age up to 70
Rastriya Jeevan logo
Rastriya JeevanWhole Life Assurance Planहोल लाइफ
वार्षिक प्रिमियम
On request
दाबी अनुपात
—
बीमाङ्क
Rs 25,000
पोलिसी अवधि
—
प्रवेश उमेर
16–60
विशेषता

बोनस: 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

वार्षिक प्रिमियम: 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.
योजना विवरण
  • 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
SuryaJyoti logo
SuryaJyotiSuryaJyoti Sawadhik Jeevan Beema (Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,950/yr
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–52 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

  • Low entry sum assured of Rs 25,000
  • Death cover with bonus throughout term
  • Maturity payout of sum assured plus bonus
  • Policy terms 5 to 52 years
Traditional with-profit endowment paying sum assured plus bonus at maturity or on earlier death.
योजना विवरण
  • Low entry sum assured of Rs 25,000
  • Death cover with bonus throughout term
  • Maturity payout of sum assured plus bonus
  • Policy terms 5 to 52 years
  • Optional critical illness cover up to Rs 50,00,000
Himalayan Life logo
Himalayan LifeHimalayan Endowment Cum Whole Life Insurance Planहोल लाइफ
वार्षिक प्रिमियम
Rs 29,500/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–59 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • 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.
योजना विवरण
  • 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
Asian Life logo
Asian LifeJeevan Sanjivani (Anticipated & Whole Life)मनी-ब्याक
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18
विशेषता

बोनस: Accrued bonus paid lump-sum at end of term

  • Anticipated/money-back installment maturity benefits
  • Whole-life extension of cover until age 99
  • Death benefit = sum assured plus earned bonus
  • Term options 5/10/15/20/25 yrs
Anticipated endowment cum whole-life plan paying installment maturity benefits; min SA Rs 50,000, terms 5-25 yrs, cover extends to age 99.
योजना विवरण
  • Anticipated/money-back installment maturity benefits
  • Whole-life extension of cover until age 99
  • Death benefit = sum assured plus earned bonus
  • Term options 5/10/15/20/25 yrs
  • Single or regular premium
Nepal Life logo
Nepal LifeNari Suraksha Jeevan Beema Yojanaमनी-ब्याक
वार्षिक प्रिमियम
Rs 34,870/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 60-82 per 1,000 sum assured/yr (FY 2081/82)

  • Women-focused life plan
  • Death benefit increases 25% every 5 years
  • Pregnancy complication lump-sum rider Rs 1,00,000
  • Prenatal care rider Rs 10,000
Women-focused participating plan; death benefit increases 25% every 5 years; includes pregnancy/prenatal riders.
योजना विवरण
  • Women-focused life plan
  • Death benefit increases 25% every 5 years
  • Pregnancy complication lump-sum rider Rs 1,00,000
  • Prenatal care rider Rs 10,000
  • Loan up to 90% of surrender value
National Life logo
National LifeAnticipated Endowment Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 31,100/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
16–65
विशेषता

बोनस: Rs 60 per 1,000 SA (5-20 yr), Rs 70 (21-25 yr), Rs 85 (26+ yr), FY 2081/82

  • Periodic survival payouts during the term
  • Full sum assured plus bonus to nominee on death (no deduction of paid survival benefits)
  • With-profit endowment
  • Loan facility
With-profit money-back endowment paying periodic survival benefits during the term and sum assured plus bonus at maturity.
योजना विवरण
  • Periodic survival payouts during the term
  • Full sum assured plus bonus to nominee on death (no deduction of paid survival benefits)
  • With-profit endowment
  • Loan facility
  • Tax exemption under ITA 2058
IME Life logo
IME LifeIME Limited Payment Money Back Plan (Dhanbriksha Jeewan Beema Yojana)मनी-ब्याक
वार्षिक प्रिमियम
Rs 39,480/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 22-63 per 1,000 sum assured/yr (money-back plans, FY 2080/81)

  • Premium paying term shorter than policy term (8/12/16/20 yrs)
  • 10-yr plan: 25% at yrs 3 and 6, 50%+bonus at yr 8
  • 20-yr plan: 20% at yrs 4/8/12 then 40%+bonus at yr 16
  • Death benefit: Single-pay 2.5x SA + bonus; Regular full SA + bonus
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.
योजना विवरण
  • Premium paying term shorter than policy term (8/12/16/20 yrs)
  • 10-yr plan: 25% at yrs 3 and 6, 50%+bonus at yr 8
  • 20-yr plan: 20% at yrs 4/8/12 then 40%+bonus at yr 16
  • Death benefit: Single-pay 2.5x SA + bonus; Regular full SA + bonus
  • Paid-up coverage continues after last money-back installment
  • Loan and tax benefits
Sun Nepal logo
Sun NepalSamuhik Myadi Jeevan Beema (Group Term Assurance)टर्म
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.71%
बीमाङ्क
—
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: Non-participating (no bonus)

  • Yearly renewable group term life for organizations
  • Full sum assured to beneficiary on member's death
  • Minimum 25 members (or 10 with extra premium)
  • Entry age 18-64, cover to age 65

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).
योजना विवरण
  • Yearly renewable group term life for organizations
  • Full sum assured to beneficiary on member's death
  • Minimum 25 members (or 10 with extra premium)
  • Entry age 18-64, cover to age 65
  • Designed for employees/members/customers of institutions
LIC Nepal logo
LIC NepalJeevan Bachatएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 25,000
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Single-premium with-profit endowment
  • Simple reversionary bonuses declared annually
  • High Sum Assured rebate: Rs 25/1000 (SA 2-5 lakh), Rs 40/1000 (SA 5 lakh+)
  • Settlement option to receive maturity over 5-10 years (min instalment Rs 1,000)

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Non-linked with-profit single-premium endowment with simple reversionary bonuses, high-sum-assured rebate and an optional settlement option.
योजना विवरण
  • Single-premium with-profit endowment
  • Simple reversionary bonuses declared annually
  • High Sum Assured rebate: Rs 25/1000 (SA 2-5 lakh), Rs 40/1000 (SA 5 lakh+)
  • Settlement option to receive maturity over 5-10 years (min instalment Rs 1,000)
  • Surrender available after 1 year; loan up to 90% of surrender value
  • Term 5 to 25 years
Sanima Reliance logo
Sanima RelianceSunishchit Pratiphal Assurance Planएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
80.97%
बीमाङ्क
—
पोलिसी अवधि
16–20 yr
प्रवेश उमेर
18–44
विशेषता

बोनस: —

  • Guaranteed maturity multiplier (2x or 2.5x of premiums paid)
  • Short premium payment term of 5 or 7 years
  • Sum assured driven by chosen premium
  • Fixed terms of 16 or 20 years

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.
Rastriya Jeevan logo
Rastriya JeevanForeign Employment Plan (Baideshik Rojgar Jeevan Beema Yojana)वैदेशिक रोजगार
वार्षिक प्रिमियम
On request
दाबी अनुपात
—
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–6 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Term life cover required for Nepali workers taking up foreign employment
  • Single one-time premium of about Rs 3,500-5,500 depending on age
  • Covers death and disability during the foreign-employment period (typically up to ~4 years)
  • Provides financial support to dependents back home on death or disability

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Mandatory term-style cover for Nepali migrant workers going abroad, providing protection against death, disability and related risks during the foreign-employment period; regulatory code NIA/LI010/2074/075/TEP/0065.
योजना विवरण
  • Term life cover required for Nepali workers taking up foreign employment
  • Single one-time premium of about Rs 3,500-5,500 depending on age
  • Covers death and disability during the foreign-employment period (typically up to ~4 years)
  • Provides financial support to dependents back home on death or disability
  • Regulatory code NIA/LI010/2074/075/TEP/0065 (approved 2017-09-07)
SuryaJyoti logo
SuryaJyotiSuryaJyoti Yekal-Simit Awadhi Bhuktani Jeevan Beema (Single Payment Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 24,950 once
दाबी अनुपात
97.5%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–25 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 40-75 per 1,000 sum assured/yr (FY2080/81, term & whole-life category)

  • Single one-time premium payment
  • Policy terms of 5, 10, 15, 20 or 25 years
  • Minimum sum assured Rs 50,000
  • Two benefit options including enhanced death cover
Single-premium endowment paying sum assured plus bonus at maturity or on death, with an optional enhanced death benefit.
योजना विवरण
  • Single one-time premium payment
  • Policy terms of 5, 10, 15, 20 or 25 years
  • Minimum sum assured Rs 50,000
  • Two benefit options including enhanced death cover
  • Optional critical illness and accidental cover
Himalayan Life logo
Himalayan LifeHimalayan Barshik Nagad Firta Jeevan Beema Yojana (Annual Cash Back)मनी-ब्याक
वार्षिक प्रिमियम
Rs 32,495/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: —

  • Annual cash back of 4% of sum assured each year
  • Remaining sum assured plus accrued bonus at maturity
  • Sum assured plus accumulated bonus to nominee on death
  • Minimum sum assured NPR 5 lakh
Money-back plan returning 4% of sum assured annually with bonus plus residual sum assured at maturity.
योजना विवरण
  • Annual cash back of 4% of sum assured each year
  • Remaining sum assured plus accrued bonus at maturity
  • Sum assured plus accumulated bonus to nominee on death
  • Minimum sum assured NPR 5 lakh
  • ADB and TPD/premium-waiver riders up to NPR 50 lakh
Asian Life logo
Asian LifeDhan Sambriddhiमनी-ब्याक
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Participating (declared bonus)

  • Money-back survival payouts (15-60% of SA at intervals)
  • Single-premium death benefit 2.5x SA plus bonus
  • Terms 10/15/20/25 yrs
  • Loan and surrender value available
Money-back plan with progressive survival benefits; single-premium variant pays 2.5x SA on death; terms 10-25 yrs, min SA Rs 50,000.
योजना विवरण
  • Money-back survival payouts (15-60% of SA at intervals)
  • Single-premium death benefit 2.5x SA plus bonus
  • Terms 10/15/20/25 yrs
  • Loan and surrender value available
  • Participating with bonus
Nepal Life logo
Nepal LifeSampurna Rakshyaटर्म
वार्षिक प्रिमियम
Rs 34,870/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–30 yr
प्रवेश उमेर
18–70
विशेषता

बोनस: —

  • Flexible term protection (1 month to 30 years)
  • Funeral expenses: NPR 50,000 or 10% of SA, lower of
  • Sum assured Rs 10,000 to Rs 1 crore
  • Risk commences from policy commencement date
Flexible-term protection plan with funeral-expense add-on; terms from 1 month to 30 years.
योजना विवरण
  • Flexible term protection (1 month to 30 years)
  • Funeral expenses: NPR 50,000 or 10% of SA, lower of
  • Sum assured Rs 10,000 to Rs 1 crore
  • Risk commences from policy commencement date
  • Premium-mode discount/loading options
National Life logo
National LifeAmrit Shree Anticipated Endowment and Whole Life Planहोल लाइफ
वार्षिक प्रिमियम
Rs 34,104/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
14–65
विशेषता

बोनस: 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).
योजना विवरण
  • 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 Life logo
IME LifeIME Dhan Sarita Plus Jeevan Beema Yojanaमनी-ब्याक
वार्षिक प्रिमियम
Rs 47,025/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Rs 22 per 1,000 sum assured/yr (fixed, Dhan Sarita, FY 2080/81)

  • 5% of Sum Assured paid every policy anniversary as annual survival benefit
  • Full Sum Assured plus vested bonus on death (survival payouts not deducted from death benefit)
  • Maturity returns remaining SA plus vested bonus
  • Higher minimum SA (Rs 4 lakh) targeted plan
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.
योजना विवरण
  • 5% of Sum Assured paid every policy anniversary as annual survival benefit
  • Full Sum Assured plus vested bonus on death (survival payouts not deducted from death benefit)
  • Maturity returns remaining SA plus vested bonus
  • Higher minimum SA (Rs 4 lakh) targeted plan
  • Flexible regular/single/limited premium options
  • NIA approved product (code NIA/LI010/.../MBP/0016)
LIC Nepal logo
LIC NepalNew Jeevan Tarangहोल लाइफ
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 2 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: 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

वार्षिक प्रिमियम: 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.
योजना विवरण
  • 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
Sanima Reliance logo
Sanima RelianceMero Mutu (Child) Plan - Singleबाल
वार्षिक प्रिमियम
On request
दाबी अनुपात
80.97%
बीमाङ्क
Rs 50,000
पोलिसी अवधि
10–27 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 30-75 per 1,000 sum assured/yr (FY 2081/82)

  • Single premium child plan
  • Proposer death pays 1% of SA monthly income until child maturity/death
  • Child death pays 25% of SA plus bonus or premiums paid (higher)
  • Premiums fixed at inception

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.
योजना विवरण
  • Single premium child plan
  • Proposer death pays 1% of SA monthly income until child maturity/death
  • Child death pays 25% of SA plus bonus or premiums paid (higher)
  • Premiums fixed at inception
  • Participating with annual bonus
Himalayan Life logo
Himalayan LifeHimalayanLife Naari Jeewan Beemaमनी-ब्याक
वार्षिक प्रिमियम
Rs 32,495/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
16–25 yr
प्रवेश उमेर
18–54
विशेषता

बोनस: —

  • Dedicated women's life plan
  • 2.5% of sum assured returned annually after first policy anniversary
  • Maturity pays 60% of sum assured plus bonus
  • Full sum assured plus bonus on death
Women-focused money-back plan with 2.5% annual cash returns and full death cover plus bonus.
योजना विवरण
  • Dedicated women's life plan
  • 2.5% of sum assured returned annually after first policy anniversary
  • Maturity pays 60% of sum assured plus bonus
  • Full sum assured plus bonus on death
  • ADB/TPD up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh
Asian Life logo
Asian LifeJeevan Mangal Endowment Life Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–15 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Participating (accrued bonus)

  • Short-term endowment 5-15 yrs
  • On death: funeral expense (10% of SA or Rs 50,000, lower), premium waiver, plus 10% of SA annual income to term end
  • Min SA Rs 50,000
  • Loan after 3 yrs
Short-term (5-15 yr) endowment with funeral benefit plus annual family income on death; min SA Rs 50,000, entry 18-60.
योजना विवरण
  • Short-term endowment 5-15 yrs
  • On death: funeral expense (10% of SA or Rs 50,000, lower), premium waiver, plus 10% of SA annual income to term end
  • Min SA Rs 50,000
  • Loan after 3 yrs
  • Single or regular premium
Nepal Life logo
Nepal LifeJeevan Unnati Beema Yojanaमनी-ब्याक
वार्षिक प्रिमियम
Rs 35,280/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–20 yr
प्रवेश उमेर
18–58
विशेषता

बोनस: Rs 56 per 1,000 sum assured/yr (advance-payment/money-back, FY 2081/82)

  • Periodic survival benefits (e.g. 30% SA at yrs 4 & 8 for 12-yr term)
  • 40% SA + bonus paid at maturity
  • Single-premium death benefit 2.5x SA + bonus
  • Full life cover throughout despite payouts
Anticipated/money-back plan paying periodic survival benefits during the term plus 40% SA + bonus at maturity.
योजना विवरण
  • Periodic survival benefits (e.g. 30% SA at yrs 4 & 8 for 12-yr term)
  • 40% SA + bonus paid at maturity
  • Single-premium death benefit 2.5x SA + bonus
  • Full life cover throughout despite payouts
  • Loan up to 90% of surrender value
National Life logo
National LifeTraditional Whole Life Policyहोल लाइफ
वार्षिक प्रिमियम
Rs 34,104/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
—
प्रवेश उमेर
16–65
विशेषता

बोनस: 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.
योजना विवरण
  • Lifelong death cover
  • With-profit (participating) bonus accrual
  • Loan facility against policy
  • Surrender/paid-up options
  • Tax exemption under ITA 2058
IME Life logo
IME LifeIME Limited Payment Endowment Plan (IME Sabal Jeevan Beema Yojana)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 67,225/yr
दाबी अनुपात
79.9%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 32-70 per 1,000 sum assured/yr (endowment, FY 2080/81)

  • Short premium-paying term with long protection
  • Full Sum Assured plus vested bonus on death or maturity
  • Participating bonus accrual
  • Critical Illness cover for 21 conditions up to Rs 5,000,000
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.
योजना विवरण
  • Short premium-paying term with long protection
  • Full Sum Assured plus vested bonus on death or maturity
  • Participating bonus accrual
  • Critical Illness cover for 21 conditions up to Rs 5,000,000
  • Income benefit rider pays monthly/quarterly percentage of rider SA
  • Loan and tax benefits
LIC Nepal logo
LIC NepalJeevan Utsavएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 50,000–Rs 1 crore
पोलिसी अवधि
10–35 yr
प्रवेश उमेर
18–55
विशेषता

बोनस: Reversionary bonus declared annually; Final Additional Bonus for terms 16 years and above

  • Maturity: Sum Assured + vested bonus + Final Additional Bonus
  • Death benefit of double the Basic Sum Assured plus bonuses
  • Final Additional Bonus available for terms 16 years and above
  • Sum Assured up to Rs 1 crore

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Participating endowment with reversionary bonus and Final Additional Bonus, doubling the basic sum assured on death.
योजना विवरण
  • Maturity: Sum Assured + vested bonus + Final Additional Bonus
  • Death benefit of double the Basic Sum Assured plus bonuses
  • Final Additional Bonus available for terms 16 years and above
  • Sum Assured up to Rs 1 crore
  • Multiple premium modes (yearly/half-yearly/quarterly/monthly)
  • Rider sum assured up to Rs 75 lakh
Sanima Reliance logo
Sanima RelianceGroup Term Assurance Plan for Affinity Groupsटर्म
वार्षिक प्रिमियम
On request
दाबी अनुपात
80.97%
बीमाङ्क
—
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Covers members of affinity groups under one policy
  • Pure term protection
  • Annually renewable group cover
  • Death benefit equal to Sum Assured per member
Group term protection for members of affinity groups; sum assured payable on death of a covered member.
Asian Life logo
Asian LifeAsian Sawadhik Plus (Endowment)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Simple Reversionary Bonus + Terminal Bonus (after min 10 yrs active)

  • Low entry sum assured of Rs 25,000
  • Endowment savings plus life cover
  • Reversionary and terminal bonus
  • Flexible terms 5-30 yrs
Core participating endowment plan; min SA Rs 25,000, terms 5-30 yrs, entry 18-65, maturity age 70.
योजना विवरण
  • Low entry sum assured of Rs 25,000
  • Endowment savings plus life cover
  • Reversionary and terminal bonus
  • Flexible terms 5-30 yrs
  • Multiple rider options
Himalayan Life logo
Himalayan LifeHimalayan Life Sulav Money Backमनी-ब्याक
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
12–25 yr
प्रवेश उमेर
18–58
विशेषता

बोनस: —

  • Staggered survival benefits, e.g. 15%/25%/60% over a 12-year term
  • Escalating death benefit up to 3x sum assured plus bonus in later years
  • Single or limited (9/12/16/20 yr) premium options
  • Low entry sum assured NPR 50,000
Flexible money-back plan with staggered survival payouts and an increasing (up to 3x) death benefit.
योजना विवरण
  • Staggered survival benefits, e.g. 15%/25%/60% over a 12-year term
  • Escalating death benefit up to 3x sum assured plus bonus in later years
  • Single or limited (9/12/16/20 yr) premium options
  • Low entry sum assured NPR 50,000
  • ADB/TPD up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh
Nepal Life logo
Nepal LifeNaulo Dhanbarsha Jeevan Beema Yojanaमनी-ब्याक
वार्षिक प्रिमियम
Rs 40,180/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 56 per 1,000 sum assured/yr (advance-payment/money-back, FY 2081/82)

  • Staggered survival payouts (10%, 20%, 30%, 40% of SA)
  • Limited premium term shorter than policy term
  • Single-premium death benefit 2.5x SA + bonus
  • Full SA cover maintained during payouts
Anticipated/money-back plan with limited premium term and staggered survival payouts (10/20/30/40% of SA).
योजना विवरण
  • Staggered survival payouts (10%, 20%, 30%, 40% of SA)
  • Limited premium term shorter than policy term
  • Single-premium death benefit 2.5x SA + bonus
  • Full SA cover maintained during payouts
  • Loan up to 90% of surrender value
National Life logo
National LifeAmrit Shree Money Backमनी-ब्याक
वार्षिक प्रिमियम
Rs 34,800/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
14–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • Regular premium money-back plan
  • Periodic payouts at regular intervals during the term
  • Payouts help with premium management and expenses
  • NIA code NIA/LI002/2075/076/MBP/0030
Regular-premium money-back plan with periodic payouts at regular intervals during the policy term.
योजना विवरण
  • Regular premium money-back plan
  • Periodic payouts at regular intervals during the term
  • Payouts help with premium management and expenses
  • NIA code NIA/LI002/2075/076/MBP/0030
  • With-profit participation
LIC Nepal logo
LIC NepalJeevan Labhएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
92.69%
बीमाङ्क
Rs 50,000
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Simple reversionary bonus declared annually (with-profit)

  • Premium paying term is 5 years less than policy term (PPT 5/10/15/20 yrs)
  • Policy term options of 10/15/20/25 years
  • Sum Assured plus vested bonus at maturity
  • Funeral expense benefit of 25% of SA or Rs 100,000 (whichever lower)

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Limited-premium with-profit endowment where premiums are paid for a term 5 years shorter than the policy term; pays sum assured plus bonus at maturity.
योजना विवरण
  • Premium paying term is 5 years less than policy term (PPT 5/10/15/20 yrs)
  • Policy term options of 10/15/20/25 years
  • Sum Assured plus vested bonus at maturity
  • Funeral expense benefit of 25% of SA or Rs 100,000 (whichever lower)
  • Entry age 18-60, maturity up to 75
  • Optional accidental death and permanent disability riders
Sanima Reliance logo
Sanima RelianceOne Year Renewable Group Term Assuranceटर्म
वार्षिक प्रिमियम
On request
दाबी अनुपात
80.97%
बीमाङ्क
—
पोलिसी अवधि
1 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • One-year renewable group term cover
  • Pure protection for groups/employees
  • Death benefit equal to Sum Assured per member
  • Renewable annually
Annually renewable group term life cover for employer or group members.
Asian Life logo
Asian LifeAsian Samuhik Myadi (Group Term)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–15 yr
प्रवेश उमेर
18–69
विशेषता

बोनस: —

  • Group/collective term cover
  • SA Rs 10,000-20 lakh
  • Single premium
  • Death during term pays SA, no survival benefit
Single-premium group term (SA Rs 10,000-20 lakh), term 1-15 yrs, entry 18-69; pure death cover.
योजना विवरण
  • Group/collective term cover
  • SA Rs 10,000-20 lakh
  • Single premium
  • Death during term pays SA, no survival benefit
  • Entry 18-69, maturity age 70
Himalayan Life logo
Himalayan LifeHimalayan Money Back Cum Whole Life Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 36,850/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: —

  • Staggered money-back, e.g. 30%/30%/40% over a 10-year term
  • Whole-life cover: sum assured paid on survival to age 99
  • Sum assured plus accrued bonus on death during term
  • Accidental death benefit up to NPR 1 crore plus accrued bonus
Hybrid money-back plus whole-life plan with periodic payouts during term and lifetime cover to age 99.
योजना विवरण
  • Staggered money-back, e.g. 30%/30%/40% over a 10-year term
  • Whole-life cover: sum assured paid on survival to age 99
  • Sum assured plus accrued bonus on death during term
  • Accidental death benefit up to NPR 1 crore plus accrued bonus
  • Loan facility after 3 years of premiums paid
Nepal Life logo
Nepal LifeNaulo Jeevan Sambriddhi Jeevan Beema Yojanaमनी-ब्याक
वार्षिक प्रिमियम
Rs 41,601/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
10–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 56 per 1,000 sum assured/yr (advance-payment, FY 2081/82)

  • Periodic survival (money-back) benefits during term
  • Balance SA + bonus at maturity
  • Full life cover maintained through term
  • Optional accident and critical-illness riders
Anticipated/money-back plan in NLIC's advance-payment range with periodic survival benefits and bonus.
योजना विवरण
  • Periodic survival (money-back) benefits during term
  • Balance SA + bonus at maturity
  • Full life cover maintained through term
  • Optional accident and critical-illness riders
  • Loan up to 90% of surrender value
National Life logo
National LifeAmrit Shree Endowment Planएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 34,800/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
14–65
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (FY 2081/82)

  • Sum assured plus bonus on maturity or death
  • Two options incl. whole-life protection variant
  • With-profit participation
  • Multiple riders available
Endowment plan paying sum assured plus bonus on maturity or death, with optional whole-life protection variant.
योजना विवरण
  • Sum assured plus bonus on maturity or death
  • Two options incl. whole-life protection variant
  • With-profit participation
  • Multiple riders available
  • Tax exemption under ITA 2058
Sanima Reliance logo
Sanima RelianceMero Mutu (Child) Plan - Regularबाल
वार्षिक प्रिमियम
On request
दाबी अनुपात
80.97%
बीमाङ्क
Rs 50,000
पोलिसी अवधि
10–27 yr
प्रवेश उमेर
0–17
विशेषता

बोनस: Rs 30-75 per 1,000 sum assured/yr (FY 2081/82)

  • Child entry from 1 month of age
  • Proposer death pays 1% of SA monthly income until maturity
  • Embedded premium waiver on proposer disability
  • Child death pays 25% of SA plus bonus or premiums paid (higher)

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.
योजना विवरण
  • Child entry from 1 month of age
  • Proposer death pays 1% of SA monthly income until maturity
  • Embedded premium waiver on proposer disability
  • Child death pays 25% of SA plus bonus or premiums paid (higher)
  • Participating with annual bonus
Asian Life logo
Asian Life15 Yrs Money Back Plusमनी-ब्याक
वार्षिक प्रिमियम
Rs 42,330/yr
दाबी अनुपात
98.85%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: Simple Reversionary Bonus + Terminal Bonus (after min 10 yrs in force)

  • 15-year money-back: 25% SA at year 5 and 10, 50% plus bonus at maturity
  • Reversionary and terminal bonus
  • Surrender after 3 yrs
  • Loan available
15-year money-back plan paying 25% of SA at years 5 and 10, and 50% plus bonus at maturity; loan and surrender available.
योजना विवरण
  • 15-year money-back: 25% SA at year 5 and 10, 50% plus bonus at maturity
  • Reversionary and terminal bonus
  • Surrender after 3 yrs
  • Loan available
  • Participating plan
Himalayan Life logo
Himalayan LifeHimalayan Jeevan Utthan Insurance Planमनी-ब्याक
वार्षिक प्रिमियम
Rs 41,145/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
9–18 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: —

  • Survival benefit (percentage of SA) paid during the policy term
  • Accrued bonus paid as maturity benefit
  • Sum assured plus accrued bonus on death
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
Money-back plan with periodic survival benefits, available over 9/12/15/18-year terms with low NPR 50,000 entry.
योजना विवरण
  • Survival benefit (percentage of SA) paid during the policy term
  • Accrued bonus paid as maturity benefit
  • Sum assured plus accrued bonus on death
  • Accidental death benefit equal to SA or NPR 1 crore (lower)
  • TPD: full SA in 120 monthly installments
Nepal Life logo
Nepal LifeSadabahar Jeevan Beema Yojanaहोल लाइफ
वार्षिक प्रिमियम
Rs 47,921/yr
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–20 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: 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.
योजना विवरण
  • 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
National Life logo
National LifeSaral Amrit (Term Insurance)एन्डोमेन्ट
वार्षिक प्रिमियम
Rs 35,050/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
3–15 yr
प्रवेश उमेर
18–62
विशेषता

बोनस: —

  • Single-premium term cover with maturity premium refund (with interest on longer terms)
  • Terms of 3/5/10/15 years
  • Sum assured plus ADB on accidental death
  • Loan facility and surrender after 1 year
Single-premium term plan suited to microfinance/loan cover, returning premium (with interest on longer terms) at maturity and paying sum assured on death.
योजना विवरण
  • Single-premium term cover with maturity premium refund (with interest on longer terms)
  • Terms of 3/5/10/15 years
  • Sum assured plus ADB on accidental death
  • Loan facility and surrender after 1 year
  • Policy ownership transferable to banks/financial institutions (loan collateral)
Himalayan Life logo
Himalayan LifeHimalayanLife Dhan Sagarमनी-ब्याक
वार्षिक प्रिमियम
Rs 41,580/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15–20 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: —

  • 15-yr: 25% SA at year 5 and 10, then 50% SA plus bonus at maturity
  • 20-yr: 25% SA at years 5/10/15, then 40% SA plus bonus at maturity
  • Full basic sum assured plus vested bonus on death
  • Low entry sum assured NPR 50,000
Money-back plan paying 25% of sum assured at five-year intervals with bonus plus residual SA at maturity.
योजना विवरण
  • 15-yr: 25% SA at year 5 and 10, then 50% SA plus bonus at maturity
  • 20-yr: 25% SA at years 5/10/15, then 40% SA plus bonus at maturity
  • Full basic sum assured plus vested bonus on death
  • Low entry sum assured NPR 50,000
  • ADB up to NPR 1 crore, CI NPR 25 lakh, PA NPR 50 lakh
National Life logo
National LifeBal Bhagyodaya (Anticipated Endowment Children's Plan)बाल
वार्षिक प्रिमियम
Rs 40,965/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
15 yr
प्रवेश उमेर
17–50
विशेषता

बोनस: Rs 60 per 1,000 sum assured/yr (anticipated endowment, FY 2081/82)

  • Survival benefit 25% of SA at year 5 and 25% at year 10
  • Maturity: 50% of SA plus entire bonus
  • Death benefit: 50% of SA plus entire bonus earned
  • Fixed 15-year term
Children's money-back endowment with survival payouts at years 5 and 10, and 50% of sum assured plus bonus at maturity.
योजना विवरण
  • Survival benefit 25% of SA at year 5 and 25% at year 10
  • Maturity: 50% of SA plus entire bonus
  • Death benefit: 50% of SA plus entire bonus earned
  • Fixed 15-year term
  • Loan facility provided
Asian Life logo
Asian LifeFamily Income Benefit Planएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.85%
बीमाङ्क
Rs 3 lakh
पोलिसी अवधि
24 yr
प्रवेश उमेर
18–53
विशेषता

बोनस: Non-participating (no bonus)

  • 12-year premium term covers 24-year policy
  • Sum assured = 12x annual premium (min Rs 3,00,000)
  • Family income on death of insured
  • Loan available after 3 years

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Non-participating limited-pay (12 yr) family-income endowment over 24-yr term; entry 18-53, min annual premium Rs 25,000, min SA Rs 300,000.
योजना विवरण
  • 12-year premium term covers 24-year policy
  • Sum assured = 12x annual premium (min Rs 3,00,000)
  • Family income on death of insured
  • Loan available after 3 years
  • Age-banded lump-sum maturity benefit
Nepal Life logo
Nepal LifeJeevan Laxmi Jeevan Beema Yojanaएन्डोमेन्ट
वार्षिक प्रिमियम
On request
दाबी अनुपात
90.54%
बीमाङ्क
Rs 5,000–Rs 1 lakh
पोलिसी अवधि
7–25 yr
प्रवेश उमेर
18–50
विशेषता

बोनस: Rs 60-82 per 1,000 sum assured/yr (endowment range, FY 2081/82)

  • Affordable small-sum endowment
  • Death benefit 2x SA + bonus (3x SA accidental)
  • Very flexible premium frequency incl. daily/fortnightly
  • Maturity = basic SA + bonus

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Small-ticket endowment (max SA Rs 1 lakh) paying 2x SA on death, 3x on accidental death, plus bonus.
योजना विवरण
  • Affordable small-sum endowment
  • Death benefit 2x SA + bonus (3x SA accidental)
  • Very flexible premium frequency incl. daily/fortnightly
  • Maturity = basic SA + bonus
  • Loan up to 90% of surrender value
Himalayan Life logo
Himalayan LifeHimalayanLife Single And Limited Paymentएन्डोमेन्ट
वार्षिक प्रिमियम
Rs 44,600/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • Single-pay or limited-pay (5/10/15/20 yrs) options
  • Full sum assured plus bonus on maturity
  • Basic SA plus vested bonus on death before maturity
  • ADB up to NPR 1 crore
Endowment letting policyholders pay a single premium or over a limited 5-20 year period.
योजना विवरण
  • Single-pay or limited-pay (5/10/15/20 yrs) options
  • Full sum assured plus bonus on maturity
  • Basic SA plus vested bonus on death before maturity
  • ADB up to NPR 1 crore
  • CI up to NPR 25 lakh, PA up to NPR 50 lakh
National Life logo
National LifeAmrit Barsaha Money Back Policyमनी-ब्याक
वार्षिक प्रिमियम
Rs 42,000/yr
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
7–25 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Rs 60 per 1,000 SA (5-20 yr); higher for longer terms (FY 2081/82)

  • Periodic money-back survival payouts during the term
  • Full sum assured plus bonus on death
  • Premium waiver on disability
  • Loan facility
With-profit money-back plan paying periodic survival benefits during the term plus bonus, with full sum assured on death.
योजना विवरण
  • Periodic money-back survival payouts during the term
  • Full sum assured plus bonus on death
  • Premium waiver on disability
  • Loan facility
  • With-profit participation
Asian Life logo
Asian LifeMicro Life Insurance Plan (Sawadhik Laghu Jeevan Bima)लघु
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.85%
बीमाङ्क
Rs 10,000–Rs 1 lakh
पोलिसी अवधि
5 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Participating (accumulated bonus)

  • Micro endowment for low-income segment
  • SA range Rs 10,000-100,000
  • 5-year term
  • Entry 18-60

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Micro endowment (SA Rs 10,000-100,000), 5-yr term, entry 18-60; sample premium approx Rs 1,875/yr.
योजना विवरण
  • Micro endowment for low-income segment
  • SA range Rs 10,000-100,000
  • 5-year term
  • Entry 18-60
  • Maturity and death both pay SA plus bonus
Himalayan Life logo
Himalayan LifeHimalayan Jeewan Upaharमनी-ब्याक
वार्षिक प्रिमियम
Rs 47,250/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
16 yr
प्रवेश उमेर
18–54
विशेषता

बोनस: —

  • Policyholder receives a free equal-sum-assured companion endowment at first policy anniversary
  • Maturity pays 25% of base SA plus 100% of companion SA plus bonuses
  • Two policies (PJUP 16 yr + UPAHAR 15 yr) under one plan
  • ADB and TPD riders up to NPR 1 crore
Gift-style plan giving a free companion endowment policy, paying out across both policies plus bonuses.
योजना विवरण
  • Policyholder receives a free equal-sum-assured companion endowment at first policy anniversary
  • Maturity pays 25% of base SA plus 100% of companion SA plus bonuses
  • Two policies (PJUP 16 yr + UPAHAR 15 yr) under one plan
  • ADB and TPD riders up to NPR 1 crore
  • CI up to NPR 25 lakh, PA up to NPR 50 lakh
Asian Life logo
Asian LifeAnnual Repay Moneyback Planमनी-ब्याक
वार्षिक प्रिमियम
On request
दाबी अनुपात
98.85%
बीमाङ्क
Rs 2.5 lakh
पोलिसी अवधि
10–20 yr
प्रवेश उमेर
18–60
विशेषता

बोनस: Simple Reversionary Bonus + Terminal Bonus (10+ yr policies)

  • Pays 5% of SA every year as survival benefit
  • Survival benefit offset against renewal premium
  • Min SA Rs 250,000
  • Terms 10-20 yrs

वार्षिक प्रिमियम: Premium is quoted on request — this insurer does not publish a rate online. Use "Get a quote".

Annual money-back plan returning 5% of SA each year; min SA Rs 250,000, terms 10-20 yrs, no loan facility.
योजना विवरण
  • Pays 5% of SA every year as survival benefit
  • Survival benefit offset against renewal premium
  • Min SA Rs 250,000
  • Terms 10-20 yrs
  • No policy loan available
National Life logo
National LifeBaideshik Rojgar Jeevan Beema (Foreign Employment Term)वैदेशिक रोजगार
वार्षिक प्रिमियम
On request
दाबी अनुपात
84.6%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
1–6 yr
प्रवेश उमेर
18–64
विशेषता

बोनस: —

  • Sum assured Rs 5,00,000 paid on death during term
  • Body repatriation cover up to Rs 1,00,000 (actual or Rs 1L, whichever lower)
  • Disability: 100% SA for total/permanent disability, 50% for loss of one limb/eye/hearing
  • Single one-time premium
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
  • Sum assured Rs 5,00,000 paid on death during term
  • Body repatriation cover up to Rs 1,00,000 (actual or Rs 1L, whichever lower)
  • Disability: 100% SA for total/permanent disability, 50% for loss of one limb/eye/hearing
  • Single one-time premium
  • Compulsory under Overseas Employment Act 2064
Himalayan Life logo
Himalayan LifeHimalayan Limited Payment (Endowment Cum Whole Life) Planहोल लाइफ
वार्षिक प्रिमियम
Rs 47,825/yr
दाबी अनुपात
98.09%
बीमाङ्क
Rs 5 lakh
पोलिसी अवधि
5–30 yr
प्रवेश उमेर
18–65
विशेषता

बोनस: —

  • 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.
योजना विवरण
  • 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

बीमा

देखाइएको प्रिमियम तुलनाका लागि नमूना (सामान्यतया उमेर ३०, आधार योजना) हुन्; वास्तविक प्रिमियम उमेर, बीमाङ्क, अवधि र राइडरमा निर्भर हुन्छ। दाबी अनुपात पछिल्लो प्रकाशित अंक हो। किन्नुअघि बीमकसँग पुष्टि गर्नुहोस्।

प्रत्येक बीमकको प्रकाशित योजना विवरण र NIA खुलासाबाट संकलित।