Actuarial Premium Calculator - Citizen Life - Citizen Life Insurance Company Ltd.

Policy Parameters

Select Insurance Plan *

Insured Age (Years) *

Yrs

Eligible entry age: 18 - 65 yrs

Policy Term (Years) *

Yrs

Available terms: 5 - 35 yrs

Sum Assured (NPR) * NPR 500,000

NPR

Premium Payment Frequency

Yearly (Standard) Half-Yearly Quarterly

Optional Supplementary Riders

Accidental Death Benefit (ADB) Pays additional sum assured in case of accidental demise

Permanent Total Disability Benefit (PTD & PWB) Waiver of future premiums and monthly disability income

Critical Illness Rider (CI) Lump sum coverage on diagnosis of listed critical conditions

Calculation Estimate

Estimated Yearly Premium

NPR 37,835

Annual Premium: NPR 37,835.00

Actuarial Breakdown

Base Rate / Thousand: NPR 75.17

Gross Annual Base: NPR 37,585

High Sum Assured Discount: - NPR 500

Net Annual Base Premium: NPR 37,085

Total Supplementary Riders: NPR 750

Total Annualized Premium: NPR 37,835

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Official Notice: Calculations shown above are illustrative estimates based on standard regulatory rate charts approved by the Nepal Insurance Authority. Actual policy terms, medical underwriting classifications, and riders will be finalized upon formal proposal verification.

Life Insurance Premium Calculator

Policy Parameters

Actuarial Breakdown