Free financial protection tool

What is your Human Life Value?

Watch the 60-second explainer below, then calculate yours for free.

₹0 Cost to use
60s To calculate
6 Goals covered
PDF Free report
Watch first — then scroll down to calculate yours
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Your income is the foundation of everything they have
Every school fee, every home loan EMI, every meal on the table depends on you showing up every single day.
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What if your income stopped tomorrow?
Life is uncertain. The question is not whether risk exists. It is whether your family is financially protected if it does.
Your Human Life Value
Annual Income
×
Working Years
=
₹0
The present value of your future income for your family. This is what your family stands to lose.
What your family needs₹1.2 Cr
What most people have₹5 L
95% of Indian families are significantly underinsured
Most families have a dangerous coverage gap
Average Indian has cover equal to just 6 months of income. Recommended minimum is 10 times annual income.
Free · No sign-up · 60 seconds
Calculate your Human Life Value now
Find your exact gap. Get a personalised plan for every goal. Download a free PDF report.
✓ Income protection ✓ Child education ✓ Retirement income ✓ Health cover
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How it works

Three steps to know your number

No sign-up. No personal details until you choose to share them. Just your number.

1

Enter your details

Your age, income, family size, existing cover, and the life goals that matter to you. All via simple sliders.

2

See your plan

Your Human Life Value, your insurance gap, and a specific plan recommendation for each goal you selected.

3

Take it forward

Download a PDF and take it to your own agent. Or request a free consultation — only if you want to.

Free calculator

Your personalised insurance plan

Move the sliders to match your situation. Select your goals. Get your number.

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Human Life Value Calculator

Adjust the sliders below to match your situation

My Profile
Current Age 35 yrs
22 yrs58 yrs
Retirement Age 60 yrs
45 yrs70 yrs
Annual Income ₹12 L
₹2 L₹1 Cr
Monthly Family Expenses ₹40 K
₹10 K₹3 L
Number of Dependants 2
16
My Finance
My Savings ₹5 L
₹0₹2 Cr
Loans and Liabilities ₹0
₹0₹5 Cr
Existing Life Cover ₹0
₹0₹5 Cr
Assumed Inflation 6%
4%10%
Expected Return Rate 8%
5%12%
Select your financial goals
Retirement details
In today's money. We will adjust for inflation.
Child details
Cash flow details
Your Human Life Value
₹0
Insurance Gap
₹0
Coverage snapshot
Your personalised plan
Total recommended cover across all goals ₹0
Your protection summary

What would you like to do next?

You are in control. Take this plan to any insurance advisor you trust, or request a free consultation if you want guidance.

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Download your report

Get a clean PDF of this plan to take to any insurance advisor of your choice.

  • Full plan with all corpus calculations
  • One product recommendation per goal
  • No contact details required
📞

Request a free consultation

A licensed advisor will review this plan with you personally. No obligation to purchase anything.

  • Free 30-minute session
  • No obligation to purchase
  • Advisor calls you at your preferred time
Request your free 30-minute consultation
Leave your details below. A licensed advisor will reach out within 24 hours to confirm a time that suits you. Your information is used only to schedule the consultation and will not be shared with any third party.

Your details are used only to schedule your consultation. They will not be shared with any third party without your permission.

✅

Request received.
A licensed advisor will reach out within 24 hours to confirm your session time.

Career opportunity

Looking for a meaningful second income?

If you are a homemaker, a retired professional, or simply someone looking to build an independent income on flexible hours — there is a structured path available for you in financial services.

Who is this for?

You do not need a finance background. You need people skills, a desire to help families plan better, and the willingness to learn. This is a licensed, regulated profession with real income potential.

  • Homemakers looking to build financial independence while managing family responsibilities
  • Retired professionals who want to stay professionally active with flexible hours
  • Anyone with a strong network and a desire to help people plan their finances
  • Work at your own pace — no fixed targets to start, no office required
  • Full training and licensing support provided — exam preparation included
  • Earn commission on policies you help place — income grows with your network
Express your interest
Share your details and someone will reach out to explain the opportunity in detail. No commitment required.

Your details are used only to contact you about this opportunity. They will not be shared with any third party.

✅

Thank you for your interest.
Someone will reach out within 24 hours to explain the opportunity and answer any questions you have.

Why use this tool

Built for honest financial planning

No insurance company branding. No push to buy. Just the numbers your family needs you to know.

🎯

Goal-based, not product-based

Most calculators give you one number. This one builds a separate plan for every financial goal you have — income protection, children's education, retirement, health cover and more.

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Your data stays with you

No account required. No data stored on any server unless you choose to request a consultation. The calculation runs entirely in your browser.

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Take the report anywhere

Download a clean PDF of your plan and take it to any insurance advisor you trust. No obligation to speak with anyone through this site.

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This tool is for financial planning guidance only. It does not constitute insurance advice or a formal proposal. Consult a licensed insurance advisor before making any purchase decision. Human Life Value calculations are indicative and based on the information you provide.