# llms.txt — Nepal Life Insurance Planner
# https://nepallifeinsurance.com

> Nepal's 100% independent life insurance comparison portal. Covers all 14 insurers. Data verified by Nepal Insurance Authority (NIA) Annual Report FY 2081/82. No agent commissions. No insurer affiliations.

## Site Purpose

Help Nepali households compare life insurance plans, calculate premiums, and make informed coverage decisions without agent bias or insurer influence.

## Key Tools

- [Family Plan Wizard](https://nepallifeinsurance.com/find-your-plan/): Answer 7 questions to get matched to the right plan from all 14 insurers
- [Premium Calculator](https://nepallifeinsurance.com/insurance-premium-calculator/): Compare exact annual premiums from all 14 NIA-licensed life insurers
- [Side-by-Side Comparison](https://nepallifeinsurance.com/compare-plans/): Compare plans across all insurers by premium, claim ratio, and bonus rate
- [Claim Settlement Rates](https://nepallifeinsurance.com/claim-settlement/): NIA-verified claim settlement ratios for all 14 companies — FY 2081/82
- [Tax Deduction Calculator](https://nepallifeinsurance.com/life-insurance-tax-deduction-nepal/): Calculate tax savings under Nepal Income Tax Act (up to NPR 40,000 deduction)
- [Retirement Corpus Calculator](https://nepallifeinsurance.com/retirement-planning-calculator-nepal/): Nepal-specific retirement savings planner with inflation and real-return modeling
- [Need Assessment Tool](https://nepallifeinsurance.com/life-insurance-need-assessment-calculator/): Find the right coverage amount based on income, debts, and dependents

## Data Sources

- Nepal Insurance Authority (NIA) Annual Report FY 2081/82 (claim ratios, solvency, premium data)
- Finance Act 2082 / Income Tax Act (tax deduction slabs)
- insurer published rate cards

## Coverage — 14 NIA-Licensed Life Insurers

Asian Life Insurance (ALICL), Sun Nepal Life Insurance (SNLI), Prabhu Mahalaxmi Life Insurance (PMLI), Rastriya Jeevan Beema Company (RJBCL), Nepal Life Insurance Company (NLIC), Surya Life Insurance (SLICL), Prime Life Insurance (PLICL), Reliable Nepal Life Insurance (RNLIC), National Life Insurance Company (NLICL), Sanima Life Insurance (SLIL), Gurans Life Insurance (GLIL), Union Life Insurance (ULICL), Citizens Life Insurance (CLIL), IME Life Insurance (IMELI).

## Editorial Policy

Content is authored and reviewed internally. No insurer or agent pays for placement, ranking, or editorial content. Claim ratios and premium data are sourced directly from NIA audited reports. Calculator results are estimates only and do not constitute financial advice.