Free · No sign-up · NIA regulated Nepal
Should you stay in your policy — or cut your losses?
Enter your policy details below. We'll show you whether surrendering and investing in a Fixed Deposit leaves you better or worse off than holding to maturity.
Enter your policy details
Term plans have no cash value — not applicable here
Printed on your policy bond
Check your premium receipt
Your policy is at or past maturity. You should claim the maturity benefit directly from your insurer — do not surrender. Contact your branch or call NIA on 01-4229032.
Your numbers
Surrender value today
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FD path total
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Policy maturity value
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This is a projection, not financial advice.
Surrender values use NIA-approved industry averages for your policy type. FD returns assume 8.5% p.a. (NRB avg FY2081/82). Actual figures depend on your specific policy terms — request a surrender statement from your insurer before deciding. ULIP maturity values cannot be projected as they are market-linked.
If you decide to surrender: 6-step NIA checklist
- Get a surrender statement Visit your insurer's branch and request an official surrender value statement. This confirms the exact amount you will receive.
- Fill the Surrender Application Form Available at your insurer's branch or head office. Sign in the presence of a witness where required.
- Submit original policy bond Hand in the original policy document. If lost, obtain a "Lost Policy Bond Indemnity" from your insurer first.
- Attach valid ID Citizenship certificate + passport-size photo. Some insurers also require a bank account details form for direct transfer.
- Wait 7–30 working days NIA regulations require insurers to process surrender payments within 30 working days of receiving complete documents.
- Delayed? File a complaint with NIA If payment is not received after 30 working days, file a complaint at NIA headquarters, Kathmandu.
Not sure what to do?
Talk to one of our verified advisors — we'll explain your options honestly, at no charge to you.