Calculator
Term insurance calculator
10–15× income is a slogan. Your family's number is personal.
₹1.04 Cr
additional term cover needed
- Total family need₹1.54 Cr
- Existing cover₹50.00 L
Hover a segment for value + share.
Human-life-value shortcut: expenses × years + loans − assets − cover. Rule of thumb ≈ 10–15× annual income. Buy pure term (no ULIP/endowment mix), claim-settlement ratio above 98%, and cover till retirement — not till 99.