Nepal's Independent Life Insurance Planner
Compare 14 Life Insurers in Nepal
with Independent Data.
Answer 7 simple questions and find the right life insurance plan for your family in under 2 minutes. Data: NIA Annual Report FY 2081/82, all 14 insurers.
Why independent data matters
We work for you, not the insurers.
Other comparison sites
- ✕ Insurers pay to rank higher — the top result is a paid slot, not the best plan
- ✕ Term plans are buried — they pay agents less commission, so they're rarely shown first
- ✕ Company financial strength and paid-up capital are withheld or cherry-picked
This site
- Ranked by NIA claim settlement ratio — the one number that shows who actually pays when your family needs it
- Financial strength & paid-up capital shown for all 14 insurers — so you know who is built to last
- Zero insurer commissions — our ranking is never for sale. Data source: NIA Annual Report FY 2081/82
Tax Efficiency
Save up to NPR 12,000 in income tax
Nepal's Income Tax Act lets you deduct up to NPR 40,000 in premiums. Calculate your exact saving based on FY 2082/83 tax slabs.
Build your coverage plan
Your personalised plan, built in 3 steps
Tell us about your family
Answer 3 quick questions — your age, your monthly income, and how many people depend on you. No jargon. Under a minute.
Start here →See your best matches
We show you the plans that fit your situation — ranked by NIA Annual Report data — premiums, claim ratios, and plan value. Real numbers, side by side, with nothing hidden.
Compare premiums →Connect with your advisor
Pick your plan and get matched to a verified local advisor. Your family is covered — today, not someday.
Find an Advisor →Sample — full table has all 14 insurers
Top performers at a glance
Ranked by NIA claim settlement ratio (FY 2081/82). Life fund = financial strength. Term premium estimate: Rs. 50 lakh cover, age 30, 20-year term.
✓Data: NIA FY 2081/82 · Last reviewed: May 2026
| # | Insurer | Claim Ratio | Term Premium /yr |
|---|---|---|---|
| #1 | Asian Life Insurance | 98.85% | NPR 17,800 |
| #2 | Sun Nepal Life | 98.71% | NPR 17,600 |
| #3 | Prabhu Mahalaxmi Life | 98.33% | NPR 17,300 |
| #4 | Himalayan Life Insurance | 98.09% | NPR 17,700 |
Premium estimates only — actual quotes vary by health, occupation & riders. Source: NIA Annual Report FY 2081/82.
See all 14 insurers →Claims paid — FY 2081/82
Who actually pays when it matters?
When your family needs money most, will your insurer deliver? These are the top 3 insurers that pay out the highest share of claims — NIA Annual Report FY 2081/82.
A claim settlement ratio is the percentage of claims an insurer paid out in a given year. A ratio of 98% means that for every 100 families who filed a claim, 98 were paid. The remaining 2% were rejected — usually for non-disclosure, policy lapse, or exclusion clauses. All figures above are from the NIA's audited FY 2081/82 annual report. The NIA is Nepal's statutory insurance regulator; these are not self-reported numbers.
Policy types
What are you protecting?
Each policy type serves a different financial goal — with a different premium, payout, and risk profile. Understanding the difference means you walk into any advisor conversation already knowing what questions to ask and what to expect.
Learn & compare
Guides to Help You Choose
Immediate emergency protection or saving for a specific future milestone?
May 17, 2026 ·4 min read
Comprehensive Analysis of Life Insurance Bonus Rates in Nepal: Yields, Market Dynamics, and Top Performers
May 14, 2026 ·13 min read
Claim Settlement Ratios 2083: Which Insurance Company in Nepal Actually Pays Out?
May 12, 2026 ·3 min read
Common questions
Frequently Asked Questions
From our users
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