Detailed Human Life Value Calculator | humanlifevalue.in
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Your complete Human Life Value report

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.

⏲ About 3 minutes 🔒 Nothing is stored — this runs in your browser 📄 Print or save your report at the end
Step 1 of 5 — About you 20%
Your running estimate
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Fill in the fields below — this number builds up as you go.

About you

This sets the base of your Human Life Value — the present value of the income your family depends on.

Spouse, children, parents — anyone whose lifestyle depends on your income.

Loans & debts

Outstanding loans don't disappear if something happens to you — your family inherits them unless they're covered.

Enter 0 if you have no outstanding loans — leave the fields blank and they'll count as zero too.

Your children's future goals

Education and marriage costs rise well ahead of general inflation — we adjust for that automatically.

A rough combined figure is fine — this doesn't need to be exact. Enter 0 if not applicable.
We assume 8% annual cost inflation for education & marriage goals — higher than general inflation, which is typical for these specific costs.

Retirement income protection

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.

Include retirement income protection Turn off if you'd rather size this separately with an advisor.
We inflate this at 6%/year and size the corpus using a standard 25× annual-income rule (a 4% withdrawal assumption) — the same logic a retirement planner would use.

What you already have

Your existing cover and savings reduce the gap — this is the last step before your report.

Your report

Here's where you actually stand

Additional cover you likely need
₹0
You're currently covered for 0% of your family's real need.
What your family needs₹0
What you already have₹0

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.

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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.