Gorkha Liberty Micro Life Insurance Expansion
13th January 2026, Kathmandu
The Gorkha Liberty Micro Life Insurance expansion represents an important milestone in the company’s ongoing effort to widen access to micro life insurance services across Nepal. Liberty Micro Life Insurance Limited has officially expanded its services in Gandaki Province by establishing a new sub-branch office in Gorkha on Monday, Poush 28, 2082. This move aligns with the company’s long-term strategy to strengthen its presence in rural and semi-urban areas and promote financial inclusion through affordable insurance solutions.
Gorkha Liberty Micro Life
The newly established sub-branch office is located in Gorkha Ward Number 6 and was formally inaugurated by Ward Chairperson Rajendra Kumar Joshi. The inauguration ceremony was attended by key officials from Liberty Micro Life Insurance Limited, including Chief Executive Officer Ram Kumar Yadav, Marketing Head Ashok Kumar Kunwar, Regional Head Shiva Prasad Paudyal, and Sub-branch Chief Hemraj Gurung. Their presence reflected the company’s strong commitment to community engagement and service expansion.
Improving Local Access to Insurance Services
As highlighted during the event, the Gorkha Liberty Micro Life Insurance expansion is expected to significantly improve access to micro insurance services for residents of Gorkha and surrounding areas. Ward Chairperson Rajendra Kumar Joshi emphasized that the new sub-branch will make it easier for local residents to obtain micro life insurance policies without the need to travel long distances to major hubs like Pokhara or Kathmandu. He also noted that increased awareness of micro life insurance would help enhance financial security among households in the region.
Liberty Micro Life Insurance Limited has positioned itself as a key player in Nepal’s micro insurance sector, which has seen rapid growth recently. According to recent financial data from the fourth quarter of the fiscal year 2081/82, Liberty Micro Life collected 271.4 million rupees in net insurance premiums, marking a staggering 853 percent increase compared to the previous year. This expansion in Gorkha is part of a broader plan to reach populations that have traditionally had limited access to formal insurance services. By establishing local offices, the company aims to build trust, improve service delivery, and offer timely support to policyholders.
Strategic Growth and Network Reach
According to Chief Executive Officer Ram Kumar Yadav, the Gorkha Liberty Micro Life Insurance expansion brings the company’s total network to 20 branch offices, one sub-branch office, and one provincial office operating nationwide. He further stated that the company plans to continue identifying suitable locations for future branch and sub-branch expansions. This strategic growth approach is intended to ensure that micro insurance services reach as many communities as possible, particularly in geographically challenging regions of Gandaki and Lumbini provinces.
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The expansion also benefits insurance agents and local stakeholders by creating opportunities for employment and professional development. With a local sub-branch in place, agents can more effectively serve clients, process policies, and provide insurance education through programs like the Ghardailo or door-to-door field efforts. This localized approach helps strengthen the relationship between the insurer and the community, which is critical for the long-term sustainability of micro insurance programs.
Specialized Micro Insurance Products
Liberty Micro Life offers several specialized products designed for the low-income and marginalized segments. These include the Samriddha Bhavishya Laghu Jeewan Beema and the recently launched Guaranteed Growth Plan. The Guaranteed Growth Plan specifically targets low and middle-income groups, offering sum assured amounts from 10,000 to 500,000 rupees. The plan features a unique guaranteed return ranging from 25 to 50 rupees per thousand per year, depending on the policy term, which can range from 8 to 25 years.
From an economic and social perspective, the Gorkha Liberty Micro Life Insurance expansion contributes to broader financial inclusion goals in Nepal. Micro life insurance plays a vital role in protecting families from financial shocks caused by unexpected life events. By increasing awareness and accessibility, Liberty Micro Life Insurance Limited is supporting household resilience and promoting a culture of risk management.
Conclusion
The establishment of a sub-branch office in Gorkha demonstrates Liberty Micro Life Insurance Limited’s proactive approach to service expansion and community-focused insurance delivery. The Gorkha Liberty Micro Life Insurance expansion not only strengthens the company’s operational footprint but also enhances insurance accessibility for residents of Gorkha and nearby areas. As the company continues to expand its network and maintain its reinsurance partnerships with Nepal Reinsurance and Himalayan Reinsurance, it is well-positioned to play a meaningful role in advancing micro life insurance coverage and financial security across Nepal.
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