Calculator
Term Insurance Cover Calculator
Human Life Value method: replace the income your family would lose, clear the loans, subtract what's already covered.
Your inputs
₹
₹
₹
₹
yrs
yrs
%
Results
Earning years left
28 yrs
Income replacement value
₹2.21 Cr
Loans to be cleared
₹25.00 L
Recommended cover
₹2.41 Cr
Human Life Value takes the annual surplus your family depends on (income minus your own personal expenses), values it over your remaining working years at an inflation-adjusted rate, adds outstanding liabilities and subtracts cover you already hold. Round up to the nearest convenient sum assured — the premium difference is usually small.
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