Human Life Value
How much life cover do you need?
Insurance planning
SIP Calculator SWP Calculator Step-Up SIP Lumpsum Mutual Fund CAGR Goal Planning Retirement Home Loan Car Loan EMI Human Life Value
35
60
₹12,00,000
30%
7%
9%
₹20.00 L
₹25.00 L
₹10.00 L
Additional life cover needed
₹1.91 Cr
Income replacement (HLV)
₹1.56 Cr
Total protection need
₹2.01 Cr
Your life-cover needs analysis
Income replacement value₹1.56 Cr
+ Outstanding loans & liabilities₹20.00 L
+ Future goals (education, etc.)₹25.00 L
= Total protection need₹2.01 Cr
− Existing cover & savings−₹10.00 L
= Additional cover needed₹1.91 Cr
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 |
Income replacement value₹1.56 Cr
These calculators give indicative figures for planning only and assume a constant rate of return. Actual returns vary and are not guaranteed. Talk to AIFC for a plan tailored to you.
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