In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. International-standard insurance service. An excellent life insurance plan in Nepal with MetLife's global experience.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
—
Declared bonus
Rs 40–70
per Rs 1,000 sum assured, per year · declared FY 2081/82
Recent years
- FY 2081/82
- Rs 40–70/ 1,000
- FY 2080/81
- Rs 55–75/ 1,000
- FY 2079/80
- Rs 60–80/ 1,000
- FY 2078/79
- Rs 60–80/ 1,000
- FY 2077/78
- Rs 60–80/ 1,000
* Company-wide declared range — the plan's own term bands were not published that year.
Source: मेटलाइफ नेपाल declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- अन्तर्राष्ट्रिय ब्रान्ड
- विश्वसनीय
- उच्च गुणस्तर
Features
- अन्तर्राष्ट्रिय मानक
- परिपक्वता लाभ
- मृत्यु लाभ
- बोनस संचय
- प्रिमियम छुट
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for life insurance plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date on the maturity date.
Typical for life insurance plans — confirm the exact terms in the brochure.
Optional riders
ADB
Accidental Death Benefit
Critical Illness
Coverage for 30+ critical illnesses
Premium Waiver
Waives premiums on disability/critical illness
Hospital Cash
Daily cash benefit during hospitalization
Loan & liquidity
- Surrender allowed
- After 3 years
- Surrender value
- 80% of paid premiums
- Loan facility
- Up to 90% of surrender value
- Grace period
- 30 days for annual, 15 days for monthly
Pros & cons
Pros
- International brand with global risk management expertise
- Most comprehensive rider options among Nepal insurers
- Premium waiver rider protects against disability
- Strong financial backing from MetLife global
- Modern digital services and app
Cons
- Highest premium among comparable endowment plans
- Bonus rates lower than Nepal Life and SuryaJyoti
- Limited branch network compared to local insurers
- Premium may be expensive for average earners
What affects your premium
- Age at entry
- Sum assured
- Policy term
- Rider selections (adds to premium)
- Premium payment frequency
How to claim
- 1Call MetLife claims helpline
- 2Submit online claim with documents
- 3Dedicated claims officer assigned
- 4Settlement within 15 days of document completion
Best for
What's not covered
- Suicide within first 2 years
- Pre-existing undisclosed conditions
- Death from hazardous activities
Premium
Quote on request