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Life Insurance Premium Calculator 2026
Compare All 14 Nepal Providers

See what all 14 of Nepal's life insurers would charge you — estimated for your age and term, sorted cheapest first, with each insurer's claim ratio right beside the price. All in seconds, on your own terms.

How much does life insurance cost in Nepal? It depends on your age, the cover you want and the plan type — term plans cost far less than endowment plans for the same cover, and every premium rises with age. The calculator below compares the annual premium from every NIA-licensed insurer, cheapest first.

✓Last reviewed: October 2026

Your Details
Prices for all 14 companies are below and update as you change anything — nothing to submit.
Your Age yrs
1665
Coverage Amount NPR Lakh
1L2 Cr

Rule of thumb: 10–15× your annual income. NPR 50,000/month salary → aim for at least NPR 60 lakh.

Policy Term (years) yrs
530

A longer term lowers the yearly premium on endowment and other savings plans, but raises it on term plans. Pick at least until age 60 — that's when most financial obligations end.

At age 35 on a 20-year plan, an endowment premium is about 11× a term premium for the same cover — from 4.9× to 15.9× depending on the insurer. Start here if your goal is protecting your family.

Pays your family an extra amount — on top of the sum assured — if the death is caused by an accident.

Pays you a lump sum while you are alive if you are diagnosed with one of the serious illnesses the insurer lists.

Risk Profile (optional — tobacco, occupation, foreign employment)

Insurers charge more for tobacco use. Tick this for an estimate closer to what you would actually be quoted.

Physically riskier jobs are priced higher — underwriters call this a “loading”. Leave it on Standard if you work in an office.

Working abroad usually raises the estimate, because postings outside Nepal are priced as higher risk. This figure is our own transparent estimate to help you plan — not a quote. Your actual premium depends on the insurer and your medical check-up.

Estimates only. Verify with providers before purchasing →

Reviewed by the BeemaPortal editorial team · NIA data verified.

💡 What does "Claims Paid Rate" mean? It reflects how reliably a company pays out — we derive it from NIA data as the share of claim value paid versus the amount still outstanding. A higher rate points to a more reliable, faster-paying insurer. Higher is better. Never choose on price alone — check this number first.
Premium Comparison
All 14 companies · Sorted cheapest first
Age: —
Coverage: —
Term: —
Type: —
Estimates only. Actual premiums depend on your health, occupation, and underwriting. Use these figures for comparison — always confirm with the insurer before purchasing.
How to use this calculator
Takes 30 seconds · All 14 companies
1
Set your age
Drag the Your Age slider. Premiums rise with age, and every price below updates as you drag.
2
Set coverage amount
How much would your family need? A common rule: 10–15× your annual income.
3
Choose plan type
Term = protection only, cheapest. Endowment = savings + cover. Whole Life = lifelong cover.
4
Read your results
Already below — all 14 companies side by side, sorted cheapest first, with claim ratios on every card. Nothing to submit.
What you'll see in results
📊
Premiums from all 14 companies
Sorted cheapest first. See the price gap between the lowest and highest premium for your profile.
✅
Claims Paid Rate on every card
Share of claim value each insurer has paid versus the amount still outstanding (derived from NIA data). Higher = more reliable.
★
Value Score /100
Combines price, claim reliability, and plan quality into a single score so you can compare in one glance.
Term vs endowment: key difference
At age 35 on a 20-year plan, an endowment premium is about 11× a term premium for the same cover — from 4.9× to 15.9× depending on the insurer. Start with term to protect your family — invest separately for savings.
Claims paid rate — all 14 companies

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Frequently Asked Questions

About this calculator and life insurance in Nepal.

The premiums are illustrative estimates from our own calculator — not insurer quotes. Actual premiums depend on your health history, occupation, smoker status, and each insurer's underwriting decision. Use these figures for comparison — always confirm with the insurer or a licensed advisor before purchasing.
Each insurer sets its own minimum and maximum entry age and maximum policy term. If your age or chosen term falls outside an insurer's limits, we mark them ineligible so you only compare plans you can actually apply for.
For pure protection, term is far cheaper: at age 35 on a 20-year plan, an endowment premium is about 11× a term premium for the same cover — from 4.9× to 15.9× depending on the insurer, and real quotes show a wider gap for younger buyers on shorter plans. Endowment plans combine savings with life cover but typically deliver modest returns — lower than dedicated savings or investment options. Most financial planners recommend starting with term insurance to secure your family, then investing separately.
The Claims Paid Rate reflects how reliably each insurer pays out — we derive it from the Nepal Insurance Authority's data as the share of claim value paid versus the amount still outstanding. A higher rate points to a more reliable, faster-paying insurer. Higher is better — but never choose on price alone.
No — BeemaPortal is a free, independent comparison platform, not an insurer. We help you compare all 14 life insurers side by side. To buy, you go to the insurer or an NIA-licensed agent directly.
A life insurance premium depends on four main factors: your age at entry, the sum assured (coverage amount), the policy term, and the plan type (term or endowment). Younger applicants pay less because the statistical risk of death is lower. Use the calculator above — enter your age, coverage amount, and term to see premiums from all 14 life insurers instantly.
Premium rates vary by insurer, plan type, and your age. The calculator above ranks all 14 life insurers by estimated annual premium for your inputs — treat the order as a starting point and confirm the exact premium with the insurer before you buy. Claims Paid Rate is shown alongside price so you never sacrifice reliability for cost.
Generated by BeemaPortal — Compare all 14 NIA-licensed life insurers in Nepal. Independent. Data: Nepal Insurance Authority.

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