Find the Right Life Insurance Plan for Your Family
Answer a few quick questions and we'll rank all 14 insurers for your situation — on claims record, financial strength and real premium estimates, so you see exactly where you stand before you commit a single rupee.
Tell us about yourself
Why we ask
Every year you wait costs more — insurers charge higher premiums as you get older. Buying before 30 locks in a significantly cheaper rate for the full term of the policy.
Why we ask
Life insurance is designed to replace your income if you're no longer there. The standard rule of thumb is 10× your annual income, so we use your income band to size the right cover for your family.
Why we ask
The more people rely on your income, the higher the cover your family needs. A household with a spouse and young children typically needs 3–5× more protection than a single earner with no dependents.
What matters most to you?
We ask this to match you to the right plan type — protection-only (term) vs. savings-linked (endowment).
Your Life Insurance Plan
Based on your profile — reviewed June 2026
Change policy structure:
Every NIA-licensed life insurer, scored on the same NIA data. Tap a metric to sort.
Life fund in NPR Arba (financial strength). Premiums are estimates for . Default order is best overall match — claim reliability, financial strength & affordability.
→ Fine-tune these premiums in the calculator (your details carry over)
You answer a few questions about your family, income and goals, and the tool ranks all 14 Nepal life insurers against your profile — using claim-settlement ratios, life-fund size and market share published by the Nepal Insurance Authority, weighted by the goal you choose, alongside a premium estimate for your inputs.
Please read: the premiums shown are illustrative estimates based on published base rates, not quotes — your actual premium depends on the insurer's underwriting, your age and health, and the exact plan and riders you choose. The ranking is a starting point for your own research, not financial advice or a recommendation to buy any specific policy. Confirm every figure with the insurer or a licensed advisor before deciding.
About This Tool
We built this because comparing life insurance in Nepal has been needlessly hard — one company at a time, in jargon. Here, all 14 insurers sit side by side, scored by the same formula on the figures the Nepal Insurance Authority publishes each year, in plain language. It is free to use.
If it helps even one more family choose the right cover — or choose to get covered at all — it has done its job. The comparison stands on its own; if you want help acting on it, you can ask to be connected with a licensed advisor.
Get a Price Estimate
Our team follows up with personalised premium estimates for your recommended plan — entirely at your pace.
How we protect your privacy ›
We know what you're thinking — "Am I about to get a flood of sales calls?" No. Your responses are shared only with the advisor our system matches to your profile — at most 2, NIA-licensed and verified. We are an independent comparison platform, and we only pass your details to the advisor you ask to be connected with. You can ask us to remove your data at any time.
Request received
Your request has been received — our team will follow up with price estimates for your recommended plan.