Term/Life Insurance Coverage Calculator

Income-replacement method, plus the standard 10-15x annual income rule of thumb for comparison.

Annual income

₹

Years of income replacement needed

yrs

Existing debts / loans

₹

Future goals (education, etc.)

₹

Existing savings / investments

₹

Recommended coverage (income-replacement method)

₹2,20,00,000

Income × replacement years₹1,80,00,000

+ Existing debts₹20,00,000

+ Future goals₹30,00,000

- Existing savings- ₹10,00,000

Recommended coverage₹2,20,00,000

For comparison: 10-15x annual income rule of thumb

10x - 15x income₹1,20,00,000 - ₹1,80,00,000

For planning purposes only - talk to a licensed insurance advisor before buying a policy.

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