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Human Life Value

Human Life Value

If you don't know how much insurance cover you need, you are at the right place.
Human Life Value Calculator will help you know your estimated life cover, to ensure your family's future well-being.
Years Insurance Required :
 
Years

The number of years for which the client wishes to protect / ensure the household expenses entered.
Financial Details
Household Expenses (p.m.) :
Rs. 

This is the amount of income that your client wish to ensure for his/her family in his/her absence.
Total Disposable Assets :
Rs. 

Consider only the assets which can be used in case of emergency. Please exclude items of current consumption that cannot be used in case of any eventuality.
Total O/s liabilities :
Rs. 

Consider the liabilities which are outstanding currently and will have to be met in case of any eventuality.
Existing Insurance :
Rs. 

The Client's existing life insurance coverage in force. Please exclude any riders, etc. and consider only the basic life coverage.
Risk Free Return :
Yearly

The expectation returns on the Protection Kitty which will be used to fund the household expenses and to meet future goals.
Inflation Rate :
Yearly
Goals In Life
Goal Name Years Remaining Present Cost

In addition to the above, use this field to enter an amount (total present value to be saved) that can meet the future important goals of your loved ones. Example, child marriage, child education, purchase of home, etc. This amount will be added to the insurance need and is supposed to be invested independently to meet the goals.

 		 
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