National Life Insurance Announces New Bonus Rate for FY 2026/27, Annual Payout Continues to Decline

Kathmandu – National Life Insurance Company has announced the bonus rate for participating life insurance policies for FY 2026/27, with the declared bonus continuing its downward trend for another consecutive year.

Under the newly approved rates, the company will provide a uniform bonus of Rs 50 per Rs 1,000 sum assured per year across all participating life insurance products and policy terms. The latest rate is Rs 5 lower than the previous fiscal year’s bonus.

The company had fixed the bonus at Rs 55 per Rs 1,000 for FY 2025/26, while policyholders received Rs 60 per Rs 1,000 in FY 2024/25, reflecting a consistent decline of Rs 5 per year over the past two years.

According to sources at the Nepal Insurance Authority, the reduction is primarily aimed at recovering losses arising from unresolved historical accounting and actuarial liabilities within the company.

The revised bonus rate follows the regulatory approval of the company’s actuarial valuation report covering FY 2016/17 to FY 2018/19. The valuation of the company’s financial position and policy liabilities was approved by the Nepal Insurance Authority through a letter issued on January 12, 2026.

The company stated that the bonus applies to all participating (with-profit) life insurance policies that are eligible to earn bonuses. It also confirmed that the same rate will remain in force as an interim bonus until the completion of its next actuarial valuation.