Life Coverage EstimatorInsurance
Insurance
Coverage Engine.
Estimate the exact life insurance cover your family needs — based on income, liabilities, dependants, and lifestyle goals.
ℹ
Human Life Value method: Coverage = Income replacement + Expense support + Loan clearance + Child education fund, minus existing coverage. Rule of thumb: 10–15× annual income.
Coverage Inputs
Currency
₹
₹
₹
₹
yrs
people
₹
🛡
Recommended Cover
₹3.61Cr
30.1× annual income
⚡
Coverage Gap
₹3.61Cr
Additional cover needed
✅
Coverage Adequacy
1%
Of total need covered
🎯
Total Cover Required
₹3.66Cr
Gross HLV
Coverage Breakdown
Coverage Adequacy
Covered
1%
Covered
Gap
Coverage Checklist
✓Pure Term Plan recommended
✓Cover = 10–15× income
✓Review every 3 years
⚠
For illustration only. Insurance coverage needs vary by individual circumstances. Consult a SEBI-registered financial advisor or certified insurance planner for personalised advice.