Life Insurance Products

A complete range of 12 life insurance policies designed for individuals, families, women, children, corporate clients, micro-insurance needs, and Nepali workers abroad.

Gurans Life Insurance Company offers a comprehensive suite of twelve distinct life insurance policies designed to meet the diverse needs of individuals and families across Nepal. From endowment plans that combine savings with protection to term policies focused purely on risk coverage, the portfolio is structured to provide financial security at every stage of life. Each product is carefully crafted with flexible premium payment options and meaningful death and maturity benefits, ensuring that policyholders and their loved ones are safeguarded against life's uncertainties while building long-term capital for the future.

The company places special emphasis on serving women, children, and families through dedicated plans that address their unique protection and savings requirements. Child-focused policies help parents secure their children's educational and developmental future, while women-specific plans offer tailored coverage that recognizes the distinct financial responsibilities they carry. Family-oriented products provide comprehensive protection for all members under a single framework, making it easier for households to manage their insurance needs efficiently while building a reliable financial foundation for generations to come.

Beyond individual and family coverage, Gurans Life extends its reach to corporate clients, micro-insurance segments, and Nepali workers employed abroad. Corporate policies safeguard businesses and their employees, while specially designed micro-insurance products bring affordable life protection to underserved communities across rural and urban Nepal. For those working in foreign employment, dedicated plans ensure that their families back home remain financially protected regardless of distance, with provisions that account for the unique risks and circumstances associated with working overseas.

The product range also includes pension-oriented plans that help individuals plan systematically for retirement, along with money-back and cash-value policies that provide periodic returns during the policy term. These plans are designed to support long-term financial discipline while offering liquidity when needed. With a strong focus on customer service, the company provides assistance through its network of branches and agencies, helping policyholders understand their options, calculate appropriate coverage amounts, and select the right plan to match their financial goals and risk appetite.

Our Policies

Explore our full portfolio of life insurance plans, each crafted to provide financial security at every stage of life.

Endowment

Gurans Savadhik Jeevan Beema Yojana

Endowment with Profit Policy — combines savings and protection with profit participation.

Endowment

Gurans Jeevan Rakshyak Jeevan Beema Yojana

Limited Premium Endowment Policy — pay premiums for a limited term while enjoying lifelong coverage.

Whole Life

Gurans Jeevan Shree Beema Yojana

Endowment with Whole Life Policy — enduring protection paired with endowment benefits.

Pension

Gurans Surakshit Bhavisya Jeevan Beema Yojana

Pension Plan — build a reliable retirement income for a secure future.

Money Back

Gurans Barshik Nagad Firta Jeevan Beema Yojana

Annual Cash Back Policy — receive regular annual payouts throughout the policy term.

Money Back

Gurans Agrim Bhuktani Jeevan Beema Yojana

Money Back Policy — periodic lump-sum returns while maintaining life cover.

Child

Gurans Bal / Naulo Bal Surakshya Jeevan Beema Yojana

Child Endowment with Profits Policy — secure your child's education and future milestones.

Corporate

Gurans Corporate Endowment Policy

Tailored endowment solutions for businesses and corporate clients.

Women

Gurans Sanjeevani Jeevan Beema Yojana

Money Back Policy for Women — designed to support women's financial independence.

Micro

Gurans Lok-Kalyan Laghu Myadi Jeevan Beema Yojana

Micro Term Policy — affordable term protection for underserved communities.

Micro

Gurans Laghu Savadhik Jeevan Beema Yojana

Micro Endowment Policy — small-scale endowment coverage with accessible premiums.

Foreign Employment

Gurans Baideshik Rojgari Jeevan Beema Yojana

Foreign Employment Policy — life insurance protection for Nepali workers employed abroad.

Product Categories at a Glance

Endowment Plans — Savings-oriented policies with profit participation and maturity benefits.

Money Back Plans — Regular cash returns during the policy term while maintaining life cover.

Whole Life Plans — Lifelong protection combined with endowment advantages.

Pension Plans — Retirement-focused policies that provide steady post-retirement income.

Child Plans — Policies that help parents build a financial foundation for their children's future.

Corporate Plans — Endowment solutions designed for businesses and institutional clients.

Women's Plans — Money-back policies tailored to women's financial goals.

Micro Insurance — Accessible term and endowment coverage for low-income and underserved groups.

Foreign Employment Plans — Protection for Nepali citizens working overseas.