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. 100% independent, no agent bias.

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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.

Full Tax Savings Guide → Talk to an advisor

Annual Income (NPR)

Annual Premium (NPR)

Your Tax Bracket

Tax You Save

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 simple questions — your age, how much you earn, and what you want to protect. No insurance jargon. Takes under a minute.

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See your best matches

We show you the plans that fit your situation — ranked by value, not commissions. Real costs, side by side, with nothing hidden.

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Lock in your protection

Pick your plan. Connect with a verified local agent. Your family is protected — today, not someday.

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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 Audited Data.

#1 Asian Life Insurance

98.85%

#2 Sun Nepal Life

98.71%

#3 Prabhu Mahalaxmi Life

98.33%

Compare Claim Ratios for all 14 Life Insurers →

Policy types

What are you protecting?

Endowment Save while you protect — get your money back at maturity. Term Maximum protection at the lowest cost — ideal if budget is tight. Child Plan Fund your child's university before fees rise — guaranteed. Whole Life Coverage that never expires — plus income when you retire. Investment Grow your savings in the market — backed by life cover.

Learn & compare

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Common questions

Frequently Asked Questions

Asian Life Insurance ranks #1 — it paid out 98.85% of all claims filed in FY 2081/82, according to the Nepal Insurance Authority (NIA) audited annual report. Sun Nepal Life (#2, 98.71%) and Prabhu Mahalaxmi (#3, 98.33%) follow. Higher is better: it means the company actually delivers when your family needs it most. Compare Claim Ratios for all 14 Life Insurers →

Agents often earn 25–35% commission on the first-year premium of endowment plans, but very little on term plans. On a Rs. 1 lakh premium endowment plan, an agent might earn Rs. 35,000, whereas a term plan with similar coverage might only cost Rs. 16,000 total. This conflict of interest is why we are 100% independent. Read our Agent Transparency Guide →

Yes — Nepal's Income Tax Act lets you deduct up to NPR 40,000 in annual life insurance premiums from your taxable income. If you're in the 30% bracket, that's NPR 12,000 saved per year. All 14 NIA-licensed insurers and all policy types qualify. See the full tax deduction guide + free calculator →

For term insurance, Rastriya Jeevan Beema is currently the lowest (~NPR 16,100/year for Rs. 50L cover for a 30-year-old). However, costs vary wildly by age. Use our premium calculator to compare all 14 insurers side-by-side.

First, ask the insurer for a written rejection letter. If you believe the rejection is wrong, file a formal complaint with the Nepal Insurance Authority (NIA) — they have a dedicated Grievance Redressal Cell for exactly this. Know your full policyholder rights →

Premiums only increase with age.
Find your plan while rates are lowest for you.

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Nepal's Independent Life Insurance Planner Compare 14 Life Insurers in Nepalwith Independent Data.