Protect your family with simple Term Life Insurance.
In Nepal, a single breadwinner often supports generations. Term insurance is the most essential cover, providing a massive financial safety net for your family's future at the price of a daily cup of tea.
Quick Estimate
Estimated Monthly
*Subject to medical underwriting and terms.
Why Choose Term Insurance?
Modern financial planning starts with protection. Here's how Himalaya Trust makes it seamless for the Nepali household.
High Sum Assured
Get coverage up to NPR 10 Crore to ensure your family maintains their lifestyle and children's education in your absence.
Low Premiums
Most affordable way to buy large life insurance coverage.
Rider Options
Customize with extra protection for accidents or illness.
Simple Claim Process
99.2% Claim Settlement Ratio through our digital priority portal.
Is This For You?
Insurance isn't one-size-fits-all. We tailor solutions for every stage of your life in Nepal.
Young Professionals
Lock in lowest premiums while you are young and healthy. Protect your parents' retirement and clear education loans.
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Parents
Ensure your child's dreams—from high school to graduation—are funded no matter what life brings.
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SME Owners
Secure your business debt and partner liabilities. Protect the legacy you've built with your hard work.
Learn MoreEnhance Your Shield
Standard term insurance is great, but life is unpredictable. Add these riders for comprehensive 360° protection.
Critical Illness
Lump sum payment upon diagnosis of major illnesses like Cancer or Heart Attack to fund treatments.
Accidental Death Benefit
Double the payout for your family if the death is due to an accident.
Waiver of Premium
Policy continues for free if you become permanently disabled and unable to pay future premiums.
Expert Recommendation
"Most of our clients in Kathmandu opt for the Critical Illness rider as medical costs continue to rise."
Sunita Sharma
Senior Risk Advisor
Transparent Comparison
We help you compare the best insurers in Nepal to ensure you get the best value and trust.
| Feature | Himalaya Trust (Exclusive) | Nepal Life Plan | Surya Life Plan |
|---|---|---|---|
| Claim Settlement Ratio | 99.2% | 97.8% | 96.5% |
| Digital Paperless App | |||
| Min. Entry Age | 18 Years | 18 Years | 21 Years |
| Max. Cover Term | Up to 75 Years | Up to 65 Years | Up to 70 Years |
Frequently Asked
It is a pure protection plan where you pay a small premium for a fixed term. If the insured passes away during this period, the family receives the full sum assured. If they survive, there is no maturity benefit, which is why it's so affordable.
Don't leave their future to chance.
Get a personalized term plan recommendation in less than 2 minutes.