Terms and Conditions

Last updated: May 2026

Please read these Terms and Conditions carefully before using nepallifeinsurance.com. By accessing or using this website you agree to be bound by these terms. If you do not agree,
please do not use this site.

1. Acceptance of Terms

By visiting or using any part of nepallifeinsurance.com, you confirm that you are at least 18 years of age and that you accept these Terms and Conditions in full. We reserve the right
to update these terms at any time. The “Last updated” date above reflects the most recent revision. Continued use of the site after changes are posted constitutes your acceptance of the
revised terms.

2. Informational Purpose Only

All content on nepallifeinsurance.com — including articles, guides, calculator results, comparison tables, company reviews, premium estimates, bonus rates, claim settlement ratios,
and plan recommendations — is provided for general informational and educational purposes only. Nothing on this website constitutes professional financial, investment,
legal, or insurance advice.

Before purchasing any insurance product, you should consult a licensed insurance agent or broker registered with Nepal Beema Pradhikaran (NIA), read the official policy document, and
verify all details directly with the insurance company.

3. Use of Tools and Calculators

Our tools — including the Premium Calculator, Plan Finder, Side-by-Side Comparison, Tax Savings Calculator, and Claim Settlement Rate tables — are provided for illustrative and
planning purposes only. Results are estimates based on publicly available data and simplified models. They do not constitute an insurance quote, offer, or contract.

Actual premiums, benefits, terms, and eligibility are determined solely by the relevant insurance company and are subject to underwriting, health assessment, and the specific policy
terms agreed at the time of purchase.

4. Lead Referrals

When you submit a quote request, lead form, or request an agent’s contact details, your information may be passed to one or more NIA-licensed insurance agents to assist with your
enquiry. This referral is made with your consent at the time of submission.

We do not guarantee any outcome from such referrals. We are not party to any agreement between you and an insurance agent or company, and we accept no liability for the advice,
services, or products provided by any third party.

Agents listed on this site may pay a referral fee for leads received. This fee is paid by the agent and is never charged to you, the user.

5. User Conduct

When using this website, you agree not to:

  • Submit false, misleading, or fraudulent information via any form on this site
  • Use automated tools (bots, scrapers, crawlers) to extract data from this site without our express written permission
  • Attempt to gain unauthorised access to any part of this site, its server, or any connected systems
  • Use this site to transmit spam, malware, or any harmful content
  • Reproduce, republish, or redistribute content from this site for commercial purposes without our express written permission

6. Intellectual Property

All original content on nepallifeinsurance.com — including text, graphics, layout, tools, and code — is the property of the site owner and is protected under applicable copyright law.
You may share individual articles for non-commercial purposes provided you credit this site and link to the original page.

Data sourced from Nepal Beema Pradhikaran (NIA) publications is reproduced for informational purposes. NIA retains ownership of its official data and reports.

7. Third-Party Links

This site contains links to external websites, including insurance company sites, NIA publications, and other resources. These links are provided for convenience only. We have no
control over the content, accuracy, or availability of external sites and accept no liability for them. Linking to an external site does not imply endorsement.

8. Limitation of Liability

To the fullest extent permitted by the laws of Nepal, nepallifeinsurance.com, its owner, and its contributors:

  • Make no warranties, express or implied, regarding the accuracy, completeness, or fitness for purpose of any content on this site
  • Accept no liability for any direct, indirect, incidental, or consequential loss or damage arising from use of this site or reliance on any content, tool output, or recommendation
    published here
  • Accept no liability for any loss arising from your reliance on premium estimates, claim ratios, bonus rates, or plan recommendations published on this site

All decisions regarding insurance purchases are made entirely at your own risk.

9. Privacy

Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains what
personal data we collect, how we use it, and how it is protected.

Transactional emails (form confirmations, premium reminders) are delivered via Brevo (formerly Sendinblue). Premium reminder subscriptions are retained until you unsubscribe via the
link in any reminder email.

10. Disclaimer

These Terms should be read alongside our Disclaimer, which provides additional detail on data sources, methodology, our independence from insurance companies
and NIA, and the limitations of the information published on this site.

11. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Nepal. Any disputes arising from your use of this website shall be subject to the exclusive
jurisdiction of the courts of Nepal.

12. Contact

If you have any questions about these Terms and Conditions, please contact us via the Contact page.