The quick homepage check gives you a starting estimate in one field. This version accounts for your loans, your children's goals and your family's retirement income — so the number is actually yours, not a generic guideline.
This sets the base of your Human Life Value — the present value of the income your family depends on.
Outstanding loans don't disappear if something happens to you — your family inherits them unless they're covered.
Education and marriage costs rise well ahead of general inflation — we adjust for that automatically.
If something happened to you, should your family's retirement plans stay on track anyway? Most protection plans skip this — it's usually the largest single number in a proper Human Life Value calculation.
Your existing cover and savings reduce the gap — this is the last step before your report.
Your Human Life Value shows what your income is worth to your family. The next question is which type of plan suits your goals: protecting your family, building a fund for your child, securing retirement income, or growing wealth with cover alongside. Answer a few questions and see a plan type that fits your situation, why it fits, and a worked example.
General guidance, not personalised advice. We confirm current availability with you on WhatsApp before you decide.
This is a self-guided estimate based on the numbers you entered — not personalised advice. A licensed advisor can refine this in a free, no-obligation call.
This calculator is an educational, self-guided estimate — it is not personalised financial advice and does not guarantee any insurer's approval, premium or claim outcome. Investment-linked plan returns are market-linked and not guaranteed. Figures shown are illustrative; your actual needs depend on details a licensed advisor will review with you. No purchase is required to use this tool.