Nepal-Specific Algorithm · Free · No Login Required

Life Insurance
Need Assessment Calculator

Most Nepalis are underinsured — not because they can't afford it, but because nobody ever calculated the right number for them. This tool does that in 60 seconds.

Expenses + Loans Children's Education Savings Offset Coverage Gap Analysis
Your Financial Profile
Move the sliders — results update instantly
Living Expenses
Annual Family Expenses NPR 4L
1L20L/yr

Rent, food, school fees, utilities, transport — everything your family spends in a year.

Your Current Age 35 yrs
1858
Years of Support Needed 25 yrs
540 yrs

How many years your family needs financial support if you were gone today.

Outstanding Loans
Total Loans & Liabilities NPR 15L
03 Cr

Home loan, car loan, personal loans — total outstanding balance.

Children & Education
Dependent Children
Your Existing Safety Net
Savings & Investments NPR 5L
02 Cr

Fixed deposits, shares (DEMAT), EPF/gratuity, gold — liquid assets only. Not property.

Existing Life Insurance Cover NPR 0L
02 Cr

Total sum assured across all your current life insurance policies.

🧮 The formula used Required Cover = (Annual Expenses × Support Years) + Loans + Education Fund − Savings

Coverage Gap = Required Cover − Your Existing Insurance

This is the needs-based method used by certified financial planners globally, adapted for the Nepalese market.
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Your personalised assessment will appear here
The sliders on the left update your results instantly — no button needed.
Total Life Insurance You Need
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Based on your family's financial profile
You Currently Have
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Coverage Gap
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What Makes Up Your Required Cover
Net Insurance Required —
What This Means For You
    Now see what this cover costs
    Compare all 14 Nepal insurers side by side — your coverage amount pre-filled.
    Compare Premiums for Your Amount
    Or check Endowment plans — savings + protection combined.

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