How much cover could you need?
A simpler way to understand your options, at your own pace.
The estimate discounts future income needs for an assumed investment return while allowing annual needs to rise with inflation. Change both assumptions to see the effect.
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years
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YOUR ILLUSTRATIVE COVER GAP
₹2.13crore
A starting point for a conversation about your family’s financial protection.
Income support₹183.3 lakh
Loans + commitments₹45 lakh
Less assets & existing cover₹15 lakh
Illustrative method: the present value of each year’s income support, rising by 6% annually and discounted by an assumed 5% annual return, plus loans and commitments, less available assets and existing cover. Returns and inflation are uncertain; this does not account for tax, changing needs, underwriting or insurer eligibility. It is not a premium quote or personal advice.