See all 14 of Nepal's life insurers side by side — and decide for yourself.
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.
See your best matches
Two details, and we'll line up the whole market against your profile.
Your shortlist, on the next screen.
First time here? Answer a few quick questions and see which insurers truly fit your family. Start →
Build your coverage plan
How it works — 3 simple steps
Tell us about your family
Your age, income, family size, and a few quick profile questions. No jargon. Under 2 minutes.
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.
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.
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.
Claims record, front and centre
We put each insurer's claim-settlement ratio in plain view — a core signal of who actually pays out when your family needs it most — weighed alongside financial strength and price.
Financial strength in plain view
We show each insurer's life fund — its financial strength — for all 14, so you can see who is built to honour a payout decades from now.
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.
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.
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.
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.
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.
Find My Plan
Answer 5 questions — get a personalised match from all 14 life insurers.
Premium Calculator
Indicative premiums for any insurer, age, sum assured, and term.
Compare Plans
Compare any combination of insurers across all plan types at once.
Tax Savings Calculator
See exactly how much NPR you save on income tax with a life policy.
Coverage Need Assessment
Calculate the right sum assured based on your income and obligations.
Retirement Calculator
Plan your corpus target and compare which insurer gets you there.
Surrender Calculator
Check surrender value and best timing before cancelling a policy.
Learn & compare
Guides to help you choose
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
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.