Term Cover Calculator

Current Age

years

Retirement Age

years

Years until retirement = cover period.

Monthly Family Expenses

₹/mo

Household expenses (excluding your personal expenses).

Inflation Rate

% p.a.

Outstanding Loans / Liabilities

₹

Home loan, car loan, personal loans etc.

Unmet Goals (Education, Marriage etc.)

₹

Existing Life Cover + Assets

₹

Existing term policies, PF, EPF, etc.

Recommended Cover

25 year cover period

Recommended Term Cover

—

Total cover needed to protect your family's lifestyle and clear all liabilities.

Inflation-Adj. Family Expenses

—

Total future family expenses over cover period.

Liabilities + Goals

—

Loans + unmet financial goals.

Inflation-adjusted family expenses—

Outstanding loans & liabilities—

Unmet goals (education, marriage)—

Less: Existing cover & assets—

Recommended Term Cover—