Term Cover Calculator

A simple, indicative estimate — not a live quote. Talk to an expert for exact numbers.

Your Financial and Family Profile

Your Current Age

Yrs

Annual In-Hand Income

₹

Existing Loans and Liabilities

₹

Number of Financial Dependents

Rule-of-Thumb Human Life Value (HLV)

A common approach to estimating life insurance needs is to consider your annual income, outstanding debts, financial dependents, existing assets, and future financial goals.

Protection Summary26x Income Multiplier

Ideal Life Cover₹4.2 Crore~₹2,975/mo

Income Replacement (26x)₹3,12,00,000

Loan / Debt Protection+₹1,00,00,000

Net Recommended Sum Assured₹4.2 Crore

Est. Annual Premium₹35,700/yr

80C Tax SavingsSave ~₹11,138

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Life-Stage Protection and Premium Matrix

How term cover requirements and fixed locked-in premiums change across career milestones for your ₹12,00,000/yr income.

Premium Locked for Lifetime

Slide

Age and Life Stage	Recommended Cover	Approx. Monthly Premium	Lifetime Savings Advantage
25 Age 25 Early Career (Starting Out)	₹3 Crore	~₹1,625/mo	Lowest rates, locked till 65-75
30 Age 30 Marriage and Home Buyer Your Age	₹3 Crore	~₹2,125/mo	Lowest rates, locked till 65-75
35 Age 35 Growing Family and Child Care	₹2.4 Crore	~₹2,300/mo	Standard rates before medical escalation
40 Age 40 Peak Career and Children College	₹1.8 Crore	~₹2,475/mo	Standard rates before medical escalation
45 Age 45 Pre-Retirement and Wealth Consolidation	₹1.8 Crore	~₹3,675/mo	Higher rates with mandatory medical tests
50 Age 50 Retirement Readiness	₹1.2 Crore	~₹3,650/mo	Higher rates with mandatory medical tests

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