PLANNING TOOLS
Start with the numbers.
Explore illustrative estimates of cover, gap, future income value and premiums. No personal details are required.
Illustrative prototype · Not a quote or policy recommendation · Verify details with the insurer and a licensed professional
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₹12 Lakh
₹0
₹0
Illustrative worksheet
Cover need worksheet
| Income replacement₹12,00,000 × 25 yrs × 0.35 dependency factor | ₹1,05,00,000 |
|---|---|
| LiabilitiesOutstanding loans | ₹0 |
| Education costs0 children × ₹15,00,000 placeholder | ₹0 |
| Rounded up to nearest ₹5 Lakh | ₹0 |
| Estimated cover need | ₹1,05,00,000₹1.1 Cr |
Upper range ₹1,30,00,000 (+20%). Existing cover is compared in the Protection Gap worksheet.
Suggested durationUntil age 65 · ~35 yrs
Find my plan About these calculations
These are simplified estimates, not personal financial advice. The cover model uses annual income × capped years to retirement × a dependency factor, plus outstanding loans and an illustrative children’s needs amount. Gap subtracts existing life cover. The human life value view shows undiscounted future income, not a present-value calculation. The premium view is an unverified placeholder and should not be used for purchase decisions.