How Much Life Insurance Do You Really Need?
Your Human Life Value (HLV) represents the present value of your future income — the foundation for calculating the right life insurance cover to protect your family.
Your Income Details
Drag the sliders or type values directly
* HLV is a guideline. Your actual insurance needs may vary based on liabilities, dependants, and lifestyle.
Your HLV Estimate
Live calculation as you adjust inputs
Amounts in Indian format (L = Lakhs, Cr = Crores). Based on present value of future income stream.
How Much Life Insurance Do You Really Need?
Your Human Life Value (HLV) represents the present value of your future income — the foundation for calculating the right life insurance cover to protect your family.
Your Income Details
Drag the sliders or type values directly
* HLV is a guideline. Your actual insurance needs may vary based on liabilities, dependants, and lifestyle.
Your HLV Estimate
Live calculation as you adjust inputs
Amounts in Indian format (L = Lakhs, Cr = Crores). Based on present value of future income stream.
Is Your Family Financially Protected?
Most people are underinsured by 5–10x their actual Human Life Value. Our advisors will assess your complete protection needs and help you find the right term or life insurance plan.
Get a Life Insurance Review