Calculators / index
term
Life-insurance cover
A term plan should replace every rupee your family depends on. We use the Human Life Value (HLV) method and compare against the 10× income rule.
HLV = Σ inc × dep × (1+g)ᵗ / (1+d)ᵗInputsEdit ↑↓
32
1870
60
3375
₹1,20,000
8%
020
70%
0100
7%
015
› human life value · present-valued
recommended_coverTERM // HLV
cover you need
₹3,33,98,947
HLV says ₹3,33,98,947 · 10× rule says ₹1,44,00,000 · take the higher
Working years left
28 yrs
Annual income
₹14,40,000
HLV is the present value of every rupee your family would lose if your income stopped today. It grows your income at 8%, keeps the 70% your dependents rely on, and discounts each future year at 7%.
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