Nepal’s Independent Life Insurance Portal

Audited Actuarial Declarations • All 14 Licensed Life Insurers Compared

Life Insurance Bonus Rate Tracker Nepal: Latest Declared Rates Comparison

Compare approved reversionary bonus rates (रु. प्रति हजार बीमाङ्क) across all 14 life insurance companies in Nepal. Track historical declared bonus rates across 5 tenure brackets, calculate annual additions, and find the highest paying policy for your savings goals.

✓ Official NIA Statutory Filings
✓ 14 Companies Compared
✓ Dynamic Accrual Simulator

Nepal Life Insurance (NLIC)
LIC Nepal (LICN)
National Life Insurance (NLICL)
Himalayan Life Insurance (HLI)
SuryaJyoti Life (SJLIC)
Sanima Reliance Life (SRLI)
Citizen Life Insurance (CLI)
Asian Life Insurance (ALICL)
Reliable Nepal Life (RNLI)
Sun Nepal Life (SNLI)
IME Life Insurance (ILI)
Prabhu Mahalaxmi Life (PMLI)
MetLife Nepal (American Life)
Rastriya Jeevan Beema (RJBC)

5 – 9 Years
10 – 14 Years
15 – 19 Years
20 – 24 Years (Benchmark)
25+ Years (Maximum Rate)

Declared Bonus Rate
Rs. 70 / th
रु. प्रति हजार बीमाङ्क प्रति वर्ष

Annual Bonus Addition
Rs. 70,000 / yr
Vested annually into policy account

Total Accrued Bonus (20 Yrs)
Rs. 14,00,000
140% of Basic Sum Assured

Estimated Maturity Value
Rs. 24,00,000
Sum Assured + Total Bonus

All 14 Insurers Ranked by Declared Bonus Rate (Selected Tenure)

Rank Company Name Declared Rate (प्रति हजार) Annual Addition (Rs 10L) Profile
#1 Nepal Life Insurance (NLIC) Rs. 70 / th Rs. 70,000/yr Review →
#2 National Life Insurance (NLICL) Rs. 70 / th Rs. 70,000/yr Review →
#3 LIC Nepal (LICN) Rs. 66 / th Rs. 66,000/yr Review →

Understanding Reversionary Bonus Rates in Nepal

Life insurance policies in Nepal are categorized into ‘Participating’ (With-Profits) and ‘Non-Participating’ (Without-Profits). In participating policies, 90% of the actuarial surplus generated by the life insurance fund is distributed to policyholders as a Reversionary Bonus.

Simple Reversionary Bonus
Calculated each year solely on the basic Sum Assured: (Sum Assured ÷ 1,000) × Declared Rate. Once declared, it is vested and payable on death or maturity.

Tenure Premium
Longer tenures (20–25+ years) earn significantly higher bonus rates (up to Rs 75–85/thousand) because insurers can invest funds in long-term high-yield infrastructure and bonds.

Frequently Asked Questions: Bonus Rates in Nepal

Q: Which company in Nepal offers the highest bonus rate?
For ultra-long tenures (25+ years), National Life (up to Rs 85), Nepal Life (up to Rs 82), and Rastriya Jeevan Beema (up to Rs 80) consistently lead the market. For mid-range tenures (15–20 years), rates across top players converge around Rs 60 to Rs 70 per thousand.

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