Life Insurance Transforms the Life of Sundar Ghimire: Renewed Enthusiasm After Joining Citizen Life

15th December 2025, Kathmandu

The journey of human existence is inherently complex, marked by numerous difficult turns and challenges that demand struggle, determination, and perseverance. Sundar Ghimire, an individual who has successfully navigated many of life’s toughest paths, exemplifies this resilience. He is currently moving forward with renewed enthusiasm as an Agency Manager at Citizen Life Insurance Company.

Life Insurance Transforms Life

Born on January 6, 1982 (Poush 22, 2038 BS), in Ward No. 8 of the then Barangdi Village Development Committee in the Palpa district, Ghimire’s current professional identity is strongly linked to the insurance sector, where he has found considerable success and personal growth.

Rapid Progress and Professional Strengths in the Insurance Sector

Since joining Citizen Life Insurance, Sundar Ghimire has achieved rapid progress, establishing himself as a successful agency within a short period. His success is attributed to a combination of personal attributes and the support mechanisms provided by the company.

Personal Attributes: Ghimire possesses a notably polite manner of speaking, coupled with humble behavior. These qualities are crucial in a client-facing profession that relies heavily on trust. His foundational knowledge in accounting and finance, derived from his academic background, provides him with a strong understanding of the financial sector and investment mechanisms. These attributes have collectively enabled him to insure the lives of hundreds of citizens shortly after his entry into the company.

Continuous Engagement: Despite managing his own private business and numerous daily responsibilities, Ghimire remains actively and passionately engaged in life insurance services. He attributes his strong interest and proficiency in the sector to continuous study and research, effective use of social media for outreach, and participation in various training programs offered by Citizen Life. He now takes time to patiently explain the complexities and benefits of insurance to his friends and relatives, actively encouraging them to secure policies.

Ghimire notes a challenge in the modern financial environment, where people often seek quick profits and immediate returns. This pursuit of instant gratification, he explains, has led to a reduction in patience among the general public, negatively affecting their outlook toward long-term savings and investment instruments like life insurance.

Overcoming Initial Doubts and Building Trust

Like many who consider a career in insurance, Ghimire initially harbored significant doubts about his potential for success as an agent. He recounts that his strong determination, unwavering confidence in his purpose, and commitment to achieving his goals ultimately outweighed these initial fears. Today, that determination has transformed him into a recognized professional and successful Agency Manager serving at the Butwal Branch of Citizen Life Insurance.

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He emphasizes that while entering the insurance profession may appear straightforward, achieving genuine professional success requires substantial and sustained effort. He credits Citizen Life Insurance for its crucial role, noting the consistent support from the company that helped him convert countless obstacles into valuable opportunities throughout his professional evolution.

Ghimire’s educational background is testament to his dedication to learning. He completed his postgraduate studies from Brihaspati College, Bhairahawa, and pursued specialized studies in Chartered Accountancy and Information Technology. This robust background provides him with a solid foundation in both technical finance and modern business applications, crucial for navigating the financial landscape. Beyond his profession, Ghimire is also recognized in his community for his social contributions and advocacy for the rights of those facing financial hardships.

The Transformative Entry into Insurance

Ghimire admits that his initial exposure to life insurance was marked by ignorance and disinterest. He recalls being repeatedly encouraged by a friend, Rajesh Thapa, to get insured, calls he often ignored. Eventually, his friend insured him himself. It was later, upon the friend’s advice, that Ghimire decided to transition into the insurance business, officially obtaining his agent license in Mangsir 2077 BS.

He reflects that many people hold negative views about insurance, views formed without proper understanding, study, or research. He states, “I was once someone with a negative view of insurance. After understanding it, I adopted this profession myself.” He strongly advocates that anyone entering the field must move forward with clear goals and a defined purpose, stressing that the profession offers good income potential without the necessity of migrating abroad for work.

Since joining Citizen Life Insurance, Ghimire has not only secured the financial futures of hundreds of individuals but also takes pride in his role as a responsible family man. He praises the profession for offering independence, requiring no large capital investment, and allowing individuals to work free from external pressure. He believes the agent profession offers income, dignity, and social respect. He has also involved his wife in the business, underscoring his belief in its potential. For clients in rural areas, he adopts a responsible approach, recommending smaller policies based on the client’s financial and family condition rather than aggressively pushing large, unaffordable policies.

Citizen Life’s Support and Agent Integrity

Ghimire notes that Citizen Life’s Jeevan Sarathi policy is one of the most popular products he sells. He underscores a critical point: people choose insurance based not just on the company’s name, but fundamentally on the agent’s honesty, behavior, integrity, and social reputation. He appreciates Citizen Life Insurance for its commitment to prioritizing agents through motivational training programs and exposure visits, which he states proves that the reality of the agent profession is vastly different from public misconceptions.

Ghimire’s personal journey with Citizen Life has been transformational. Once hesitant to speak openly, he has gained strong confidence and significantly improved his professional working style. He actively cautions fellow agents against the unethical practice of falsely promising guaranteed double returns. He stresses that insurance benefits are contingent upon the company’s annual bonus rates and specific policy conditions, and honest communication prevents future client misunderstandings and preserves the integrity of the profession. Through dedication, integrity, and continuous learning, Sundar Ghimire’s story vividly illustrates how engaging with life insurance can profoundly transform the lives of those who dedicate themselves to serving the sector.

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