Kamal Prasad AdhikariNiroula, Anusha2026-03-012026-03-012025https://hdl.handle.net/20.500.14540/25803The objectives of research are to assess the current status of life insurance policy demand, marital status, educations, income, life cycle motives, precautionary motives, wealth accumulation motives and financial literacy in Koshi Province, to examine the relationship of marital status, educations, income, life cycle motives, precautionary motives, wealth accumulation motives and financial literacy with life insurance policy demand in Koshi Province and to analyse the effect of marital status, educations, income, life cycle motives, precautionary motives, wealth accumulation motives and financial literacy are on life insurance policy demand in Koshi Province. This study is employed descriptive and causalcomparative research designs to explore factors influencing life insurance policies demand. The data are collected using convenience sampling so the sample are 391. The nature of the data is primary in nature. The instrument of data collection is the Likert scale questionnaire. The statistical analysis such as descriptive, correlation and regression analysis are conducted. The finding show that the marital status, education, and income also show high mean values with low standard deviations, suggesting that most respondents are married, well-educated, and earn relatively higher incomes. These variables show consistency in responses, reflecting a stable demographic and socio-economic profile. The relationship of marital status, educations, income, life cycle motives, precautionary motives, and wealth accumulation positive and significant relationship to the life insurance policy. The financial literacy to the life insurance policy positive but not significant relationship. The marital status, educations, income and life cycle motives positive and significant effect to the life insurance policies. The precautionary motives, wealth accumulation motives and financial literacy to the life insurance policies is positive and but not significant. Keywords: determinants, life insurance policies and Nepal.en-USInsurance policySocio economicThesis