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See all 14 of Nepal's life insurers side by side — and decide for yourself.

See who pays claims, who's financially solid, and what it actually costs — in plain language, in about two minutes.

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2 quick details

Two details, and we'll line up the whole market against your profile.

Monthly income
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Find My Plan Compare all life insurers

14 insurers · claim data from NIA FY 2081/82

  • ALICL
  • CLI
  • HLI
  • ILI
  • LICN
  • ML
  • NLIC
  • NLICL
  • PMLI
  • RJB
  • RNLI
  • SJLIC
  • SNLI
  • SRLI

How we compare

We show the claims record first.

All 14 life insurers, in one view — scored on the numbers that decide whether a policy does its job. A low premium is worth little if the payout is the part that stalls.

See all 14 life insurance companies in Nepal, ranked →
  1. 1 Asian Life Insurance 98.9%
  2. 2 Sun Nepal Life 98.7%
  3. 3 Prabhu Mahalaxmi Life 98.3%
  4. 4 Himalayan Life Insurance 98.1%
  5. 5 Reliable Nepal Life 97.9%
  6. 6 SuryaJyoti Life Insurance 97.5%
  7. 7 Citizen Life Insurance 93.9%
  8. 8 LIC Nepal 92.7%
  9. 9 Nepal Life Insurance 90.5%
  10. 10 Rastriya Jeevan Beema 89.9%
  11. 11 MetLife Nepal 85.2%
  12. 12 National Life Insurance 84.6%
  13. 13 Sanima Reliance Life 81.0%
  14. 14 IME Life Insurance 79.9%
Share of claim value settled in FY 2081/82, derived from NIA Annual Report figures. Bars start at 0%. How we measure it

First time here? Answer a few quick questions and see which insurers truly fit your family. Start →

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How it works — 3 simple steps

The right policy is a promise to the people who depend on you — and it's worth getting right. Until now, comparing life insurance in Nepal meant visiting fourteen separate websites, or deciding from the one plan you were shown. Now you can see who pays claims, who's financially solid, and what it actually costs — in plain language, in about two minutes.

  1. Tell us about your family

    Your age, income, family size, and a few quick profile questions. No jargon. Under 2 minutes.

  2. See your best matches

    We compare all 14 life insurers against your profile — claims records from the NIA Annual Report, plus premiums and plan value from our own estimates. Real numbers, side by side.

  3. Take your shortlist further

    Save or print your comparison, ask our AI assistant what to check before you sign, and take it to any licensed insurer or agent. Nothing to sign here.

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Calculators & comparisons

All our tools

Compare, calculate, and decide — all in one place. Claims data from the latest NIA Annual Report; premiums are our own transparent estimates.

Decide

Find My Plan Answer 5 questions — get a personalised match from all 14 life insurers. Compare Plans Compare any combination of insurers across all plan types at once. Ask the Assistant Ask a plain-language question and get an answer from the actual policy documents of all 14 life insurers — with the source cited. Claim Settlement Rates Full NIA data on which insurers pay claims — and how fast.

Calculate

Tax Efficiency

Save up to NPR 11,600 in income tax

Nepal's Income Tax Act lets you deduct up to NPR 40,000 in premiums. At the top marginal rate of 29%, that saves NPR 11,600. Calculate your exact saving on the current FY 2083/84 slabs, in effect since mid-July 2026.

Full Tax Savings Guide →
Filing as:
Your Tax Bracket
—
Enter income above
Tax You Save
Enter income and premium
Capped at NPR 40,000 deductible.

Policy types

The main life insurance policy types in Nepal

Term gives the highest cover for the lowest premium — pure protection, no savings. Endowment and whole life build savings and return your money at the end. Money-back plans pay cash back at set intervals through the term.

Term The highest cover for the lowest premium. Pure protection, no savings. Best for: Maximum cover on a tight budget Endowment Build savings and get life cover — money returned at maturity. Best for: Families wanting savings + cover Whole Life Cover that never expires — and builds cash value over time. Best for: Long-term estate and legacy planning Money Back Get part of your sum assured back at intervals — cash along the way, full cover throughout. Best for: Savers wanting periodic payouts

These are the four our tools price. Nepal also regulates micro-insurance and foreign-employment term cover — both explained there, neither priced by our tools.

Learn & compare

Guides to help you choose

All guides →

Policy Loans in Nepal: Borrow Against Your Insurance Without Surrendering It

July 10, 2026 · 7 min read

Life Insurance Premiums in Nepal Explained: What You Pay and Why

June 4, 2026 · 8 min read

Why Life Insurance in Nepal Is Non-Negotiable (And Why Waiting Costs You More)

June 1, 2026 · 6 min read

Common questions

Frequently Asked Questions

By claim settlement ratio, Asian Life Insurance leads at 98.85%, with Sun Nepal Life (98.71%) and Prabhu Mahalaxmi Life (98.33%) close behind — figures from the latest Nepal Insurance Authority (NIA) annual report. A high ratio matters: it means the company actually delivers when your family needs it most. But it is one factor among several — weigh it alongside financial strength and price. Compare claim ratios for all 14 life insurers →
Term plans give you the most cover for the least money — pure protection, with no savings element. They tend to be recommended less often than savings-style plans like endowment, partly for a commercial reason: advisors usually earn more on endowment policies. That is not a knock on advisors — it is simply why we lay out the numbers openly, so you can weigh term against endowment on the facts before you sign. Read our Agent Guide →
Yes — Nepal's Income Tax Act lets you deduct up to NPR 40,000 in annual life insurance premiums from your taxable income. On the new FY 2083/84 slabs, the top rate is 29%, so that saves up to NPR 11,600 per year. All 14 life insurers and all policy types qualify. See the full tax deduction guide + free calculator →
For term insurance, IME Life Insurance is the lowest in our estimates — about NPR 12,700/year for Rs. 50L cover on a 20-year term at age 30. However, costs vary wildly by age. Use our premium calculator to compare all 14 life insurers side-by-side.
First, ask the insurer for a written rejection letter. If you believe the rejection is wrong, file a formal complaint with the Nepal Insurance Authority (NIA) — they have a dedicated Grievance Redressal Cell for exactly this. Know your full policyholder rights →

Compare first. Then talk to anyone you like.

A clear-eyed choice today is one less worry tomorrow. Take your shortlist to any licensed insurer or agent — you'll know what to ask, and what to check before you sign.

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