See all 14 of Nepal's life insurers side by side — and decide for yourself.
Until now, comparing life insurance in Nepal meant visiting fourteen separate websites — or deciding from the one plan you were shown. Now you can see who pays claims, who's financially solid, and what it actually costs — in plain language, in about two minutes.
See your best matches
Two details, and we'll line up the whole market against your profile.
Your shortlist, on the next screen.
First time here? Answer a few quick questions and see which insurers truly fit your family. Start →
Build your coverage plan
How it works — 3 simple steps
Tell us about your family
Your age, income, family size, and a few quick profile questions. No jargon. Under 2 minutes.
See your best matches
We compare all 14 insurers against your profile — claims records from the NIA Annual Report, plus premiums and plan value from our own estimates. Real numbers, side by side.
Connect with your advisor
Pick your plan and get matched to a verified local advisor. No obligation to contact.
How we compare
Every insurer matters.
Claims record, front and centre
We put each insurer's claim-settlement ratio in plain view — a core signal of who actually pays out when your family needs it most — weighed alongside financial strength and price.
Financial strength in plain view
We show each insurer's life fund — its financial strength — for all 14, so you can see who is built to honour a payout decades from now.
The whole market, one view
All 14 insurers, estimated premiums and claim data in one view — so you decide in minutes, with the whole picture in front of you.
Tax Efficiency
Save up to NPR 11,600 in income tax
Nepal's Income Tax Act lets you deduct up to NPR 40,000 in premiums. At the top marginal rate of 29%, that saves NPR 11,600. Calculate your exact saving on the new FY 2083/84 slabs (effective mid-July 2026).
Policy types
The main life insurance policy types in Nepal
Term gives the highest cover for the lowest premium — pure protection, no savings. Endowment and whole life build savings and return your money at the end. Money-back plans pay cash back at set intervals through the term.
All our tools
Compare, calculate, and decide — all in one place. Claims data from the latest NIA Annual Report; premiums are our own transparent estimates.
Find Your Plan
Answer 5 questions — get a personalised match from all 14 insurers.
Premium Calculator
Indicative premiums for any insurer, age, sum assured, and term.
Side-by-Side Comparison
Compare any combination of insurers across all plan types at once.
Tax Savings Calculator
See exactly how much NPR you save on income tax with a life policy.
Coverage Need Assessment
Calculate the right sum assured based on your income and obligations.
Retirement Calculator
Plan your corpus target and compare which insurer gets you there.
Surrender Calculator
Check surrender value and best timing before cancelling a policy.
Learn & compare
Guides to help you choose
Life Insurance Premiums in Nepal Explained: What You Pay and Why
June 4, 2026 · 7 min read
Why Life Insurance in Nepal Is Non-Negotiable (And Why Waiting Costs You More)
June 1, 2026 · 6 min read
5 Life Insurance Mistakes Nepalese Policyholders Make (And How to Avoid Them)
May 28, 2026 · 4 min read
From our users
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Common questions