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3. Benefit protecting policy value if premiums stop.
7. Savings component accumulated in permanent life insurance.
8. Method that estimates insurance based on specific financial needs.
10. Clause limiting the insurer’s right to dispute a policy after a period.
14. Method by which policy proceeds are paid to beneficiaries.
15. Regulatory authority governing life insurance in Nepal (as cited contextually).
16. Growth of life insurance influenced by regulation and awareness.
19. Life insurance covering a group under a single master contract.
21. Life insurance providing protection for a limited period only.
22. Statistical table showing probability of death at each age.
26. Settlement option paying entire proceeds at once.
28. Time allowed for premium payment after the due date.
29. Dividend paid directly in cash to the policyholder.
32. Additional payment if death occurs due to an accident.
33. Process based on mortality, interest, and expenses.
34. Process of comparing policies, insurers, and costs.
35. Need created by death of a breadwinner requiring life insurance protection.
36. Insurance purchased by an individual on his or her own life.

1. Approach that insures capital while spending only the income from it.
2. Feature where cash values grow without current tax liability.
4. Policy paying the face amount on death or survival to maturity.
5. Contract promising payment on death of the insured in exchange for premiums.
6. Present value of future earnings lost due to premature death.
9. Policy where cash value and death benefit fluctuate with investments.
11. Insurance that provides lifetime protection with a cash value.
12. Death occurring before the end of an individual’s expected working life.
13. Choice given to participating policyholders for using dividends.
17. Cost of insurance protection after considering investment return.
18. Clauses defining rights and obligations of insurer and insured.
20. Settlement option guaranteeing income for the beneficiary’s lifetime.
23. Primary economic purpose of life insurance according to Rejda.
24. Nonforfeiture option converting cash value into term insurance.
25. Flexible premium policy with adjustable death benefit.
27. Dividend option purchasing additional insurance coverage.
30. Treatment of premiums, cash values, and benefits under tax law.
31. Yield earned on the savings element of a life insurance policy.