Term insurance cover estimator

A starting cover figure from income and liabilities. A licensed insurer prices age, medicals and riders.

How we estimate cover

Suggested cover is the higher of 15× annual income or about 0.7× income × years of dependence, plus loans, minus cover you already have.

Cover ≈ max(income × 15, income × years × 0.7) + loans − existing cover

The annual premium shown is a sketch from age bands. It is not a quote.

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Not an IRDAI product sale. Confirm with a licensed insurer or advisor.