Crest Micro Life Insurance Limited

Crest Micro Life Insurance Limited (NEPSE: CREST) is a microlife insurance provider offering affordable, accessible insurance products designed for low-income individuals and families across Nepal. The company specializes in non-linked, non-participating life insurance solutions with coverage terms ranging from one to five years, renewable as needed. Its primary product lines include Term Micro Life Insurance, Micro Endowment Plans (single and regular premium variants), Samridhhi Laghu Jeevan Beema Yojana (money back plans), and Samridhhi Bal Bachat Laghu Jeevan Beema Yojana (child insurance). The company's business strategy emphasizes credit-linked institutional policies, which represented approximately 68 percent of first-year premiums in FY2025. Crest operates 23 branches across Nepal, serving diverse geographic regions with head office operations in Surkhet and regional presence in Kathmandu. The company was incorporated on May 24, 2023, licensed by the Nepal Insurance Authority in April 2023, and listed on NEPSE on April 9, 2025. It is headquartered in Surkhet, Nepal.

Key Facts

Branches

23 branches across Nepal

Products

Term Micro Life, Endowment Plans, Money Back, Child Insurance

Business Model

Credit-linked institutional policies (~68% of FY2025 first-year premiums)

Promoter

Himalayan Reinsurance Limited (21.43% shareholding)

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