Nepal Life Insurance Publishes New Bonus Rates for FY 2081/82 Across Its Life Insurance Policies

Nepal Life Insurance Company has announced the updated bonus rates for various life insurance policies for the fiscal year 2081/82, following the approval of its actuarial valuation report by the Nepal Insurance Authority. The company has stated that these rates apply to all participating (profit-sharing) life insurance policies currently in operation.

According to the notice, the bonus rates have been determined based on the insurer’s financial position, liability valuation, investment income, and long-term sustainability of the insurance fund. The company emphasized that the declared bonus reflects its continued commitment to offering stable returns to policyholders.

Steady Bonus for Endowment Policies

For traditional endowment policies such as Surakshit Jeevan, Jeevan Jyoti, Grameen Endowment, Sunaulo Bhavishya, Jeevan Laxmi, Jeevan Uday and other similar plans, the annual bonus rate ranges from Rs. 60 to Rs. 82 per thousand sum assured depending on the policy term.

Notably, endowment policies with terms of 21–25 years carry a bonus of Rs. 70, while those with terms above 26 years receive Rs. 82, reflecting stronger returns for long-term policyholders.

Attractive Rates for Sunaulo Bhavishya and Children's Plans

The Sunaulo Bhavishya Life Insurance Plan (Option 1 & 2) has been assigned bonus rates between Rs. 60 and Rs. 65 per thousand sum assured, depending on policy duration.

Similarly, the Child Sunaulo Bhavishya Plans—both regular premium and single premium—also feature bonus rates of Rs. 60 to Rs. 62, signaling stable returns for long-term education-oriented policies.

The company noted that the uniformity across these plans underscores a conservative but reliable investment performance.

Higher Bonus for Whole Life and Long-Term Policies

Whole-life and endowment-cum-whole-life policies, such as Jeevan Sahara and Anmol Jeevan, have been allocated bonuses from Rs. 60 to Rs. 85 per thousand, with the highest rates assigned to policy terms exceeding 26 years.

The bonus of Rs. 82–85 in this category reflects the company’s larger surplus generation from long-maturity portfolios and favorable long-term asset performance.

Stable Bonus for Anticipated Endowment Policies

Anticipated endowment products—including Jeevan Sambriddhi (15 & 20 years), Dhan Barsha, Naya Dhan Barsha, Jeevan Unnati, and children’s anticipated insurance—carry a flat bonus rate of Rs. 56 per thousand across all policy terms.

Nepal Life stated that this consistency helps maintain predictable returns for policyholders who prefer periodic payouts during the policy term.

Bonus Rates for ‘Jeevan Sarathi’ Plan

The Jeevan Sarathi policy features bonus rates from Rs. 62 to Rs. 85 per thousand sum assured, depending on the duration. This category includes some of the highest bonuses announced for the year, indicating strong performance in this product line.

Company Expresses Appreciation

Nepal Life extended its gratitude to policyholders, agents, employees, shareholders, and regulatory authorities for their continued trust and support. The company stated that it remains committed to maintaining financial discipline, safeguarding policyholder interests, and ensuring long-term sustainability of its insurance fund.