PREMIUM CALCULATION OF LIFE INSURANCE ASIAN LIFE INSURANCE IME LIFE INSURANCE LIC NEPAL INSURANCE NATIONAL LIFE INSURANCE RELIABLE LIFE INSURANCE CITIZEN LIFE INSURANCE MET LIFE INSURANCE NEPAL LIFE INSURANCE * RASTRIYA BEEMA SANSTHAN SUN LIFE INSURANCE SURYAJYOTI LIFE INSURANCE-M HIMALAYAN LIFE (P/G/U)-M SANIMA/RELIANCE LIFE-M PRABHU/MAHALAXMI LIFE-M