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Term Insurance Coverage Calculator
Find the exact sum assured your family needs using the Human Life Value method — based on income, loans, and dependents.
Personal Details
Age
yrs
Term plans available for age 18–65
Spouse, children, parents who rely on your income
Financial Details
₹
Gross salary or business income per year
₹
Home loan + car loan + personal loan + business debt
₹
Sum of all existing life policies including LIC
Coverage Breakdown
- Income protection (10–20× annual)—
- Future goals buffer (3× income)—
- Outstanding loans—
- Less: existing coverage— ₹0
- Recommended coverage—
Calculated using Human Life Value (HLV) method. Actual sum assured should be finalised with a licensed advisor. Premium estimates are indicative for a non-smoker in good health.
Recommended Sum Assured
₹0
Enter your details and click Calculate
Estimated Premium
—
Tenure
—
Existing Cover
₹0
Coverage Gap
—
Coverage Analysis
Composition
Advisor Note
Enter your details and click Calculate to see your personalised coverage recommendation.
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