Term life insurance cover calculator

Estimate how much life cover your family would need, and the gap after existing cover.

Estimate from your own figures

Used to show the result as a multiple of income.

Household costs your family would still have, in today's rupees.

In today's rupees.

Leave empty if you prefer not to say.

Your figures are sent only to calculate this result. They are not stored and do not appear in the page address.

Learn more: Term life insurance.

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Frequently asked questions

Which formula does the term cover calculator use?

Requirement = family's yearly expenses × years of support + outstanding loans + future goals − savings your family could use (never below zero). Gap = requirement − existing life cover. Amounts are in today's rupees, without inflation or returns.

Why does it show a multiple of income?

Only for context: the requirement divided by your annual income. The estimate itself is based on what your family would need, not on a fixed multiple.

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