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
All comparisons on this site use NIA-audited data from the FY 2081/82 annual report — no insurer pays to rank higher or appear more favourably. When you're ready to move forward, we will connect with you.
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.
Note: Deduction is capped at NPR 40,000 per year.
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 →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