# llms.txt — BeemaPortal
# https://beemaportal.com

> Nepal's independent life insurance comparison portal. Covers all 14 life insurers. Claim and market data verified against the Nepal Insurance Authority (NIA) Annual Report FY 2081/82. No agent commissions. No insurer affiliations.
>
> Full extractable answer content (key facts, figures, and Q&A): https://beemaportal.com/llms-full.txt

## Site Purpose

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

## Key Tools

- [Find Your Plan](https://beemaportal.com/find-your-plan/): Answer a few quick questions to rank all 14 life insurers for your profile
- [Premium Calculator](https://beemaportal.com/insurance-premium-calculator/): Compare estimated annual premiums across all 14 NIA-licensed life insurers
- [Side-by-Side Comparison](https://beemaportal.com/compare-plans/): Compare plans across all life insurers by premium estimate, claim ratio, and bonus rate
- [Claim Settlement Rates](https://beemaportal.com/claim-settlement/): NIA-verified claim settlement ratios for all 14 companies — FY 2081/82
- [Tax Deduction Calculator](https://beemaportal.com/life-insurance-tax-deduction-nepal/): Calculate tax savings under Nepal Income Tax Act (up to NPR 40,000 deduction)
- [Retirement Corpus Calculator](https://beemaportal.com/retirement-planning-calculator-nepal/): Nepal-specific retirement savings planner with inflation and real-return modeling
- [Need Assessment Tool](https://beemaportal.com/life-insurance-need-assessment-calculator/): Find the right coverage amount based on income, debts, and dependents
- [Ask the Assistant](https://beemaportal.com/find-the-right-policy/): Ask policy questions in plain language — answers cite real, verified policy documents

## Data Sources

- Nepal Insurance Authority (NIA) Annual Report FY 2081/82 (claim ratios, life funds, market share)
- Income Tax Act and the current Finance Act slabs, FY 2083/84 (tax deduction)
- Insurance Act 2079 and Insurance Regulation 2081 (policyholder rights, claim timelines)
- Insurer-published rate calculators and policy documents (premium calibration)

## Coverage — 14 NIA-Licensed Life Insurers

Asian Life Insurance, Sun Nepal Life, Prabhu Mahalaxmi Life, Himalayan Life Insurance, Reliable Nepal Life, SuryaJyoti Life Insurance, Citizen Life Insurance, LIC Nepal, Nepal Life Insurance, Rastriya Jeevan Beema, MetLife Nepal, National Life Insurance, Sanima Reliance Life, IME Life Insurance.

## Editorial Policy

Content is authored and reviewed internally. No insurer or agent pays for placement, ranking, or editorial content. Claim ratios are sourced from NIA audited reports; premium figures are our own transparent estimates, calibrated against insurer-published calculators — not insurer quotes. Calculator results are estimates only and do not constitute financial advice.