Life Insurance
Overview
Life Insurance replaces your income for the people who depend on it. The core of it is pure-protection term cover — a large sum assured for a low premium — sized to your family's needs and liabilities. Our Human Life Value calculator helps you see exactly how much cover you should carry.
At a glance
- Term life cover
- Human Life Value calculator
- Rider guidance
Key benefits
Pure-protection term cover for maximum protection per rupee
Cover sized to income, liabilities and future goals
Optional riders — critical illness, accidental & waiver of premium
Human Life Value calculator, nominee guidance and help at claim time
How much life cover do you need?
The Human Life Value (HLV) method estimates the cover needed to replace your future income. Move the sliders to see an indicative figure.
Additional life cover needed
₹1.91 Cr
Income replacement (HLV)
₹1.56 Cr
Total protection need
₹2.01 Cr
Your life-cover needs analysis
Year-by-year value of your income
| Yr | Age | Income | Present value |
|---|---|---|---|
| 1 | 35 | ₹8.40 L | ₹7.71 L |
| 2 | 36 | ₹8.99 L | ₹7.57 L |
| 3 | 37 | ₹9.62 L | ₹7.43 L |
| 4 | 38 | ₹10.29 L | ₹7.29 L |
| 5 | 39 | ₹11.01 L | ₹7.16 L |
| 6 | 40 | ₹11.78 L | ₹7.02 L |
| 7 | 41 | ₹12.61 L | ₹6.90 L |
| 8 | 42 | ₹13.49 L | ₹6.77 L |
| 9 | 43 | ₹14.43 L | ₹6.65 L |
| 10 | 44 | ₹15.44 L | ₹6.52 L |
| 11 | 45 | ₹16.52 L | ₹6.40 L |
| 12 | 46 | ₹17.68 L | ₹6.29 L |
| 13 | 47 | ₹18.92 L | ₹6.17 L |
| 14 | 48 | ₹20.24 L | ₹6.06 L |
| 15 | 49 | ₹21.66 L | ₹5.95 L |
| 16 | 50 | ₹23.18 L | ₹5.84 L |
| 17 | 51 | ₹24.80 L | ₹5.73 L |
| 18 | 52 | ₹26.53 L | ₹5.63 L |
| 19 | 53 | ₹28.39 L | ₹5.52 L |
| 20 | 54 | ₹30.38 L | ₹5.42 L |
| 21 | 55 | ₹32.51 L | ₹5.32 L |
| 22 | 56 | ₹34.78 L | ₹5.22 L |
| 23 | 57 | ₹37.22 L | ₹5.13 L |
| 24 | 58 | ₹39.82 L | ₹5.03 L |
| 25 | 59 | ₹42.61 L | ₹4.94 L |
Indicative figure for planning only, assuming constant rates — open the full calculator or talk to AIFC for a precise, needs-based cover.
A simple guide to Life Insurance
Click any topic to understand how life cover works before you buy.
What is Life Insurance?
Life insurance pays a guaranteed sum to your family if you pass away during the policy term. Its core job is income replacement — so the people who depend on you can keep their lifestyle, repay loans and meet goals if your income suddenly stops.
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