- No data uploaded
- Instant results
India Term Insurance Calculator
Pre-filled with typical India figures — change them to yours.
India Term Insurance Calculator
DIME method
₹63,00,000
10× income rule
₹8,00,000
15× income rule
₹12,00,000
Lump sums − assets
₹55,00,000
HLV = present value of the income your family needs until your chosen age (at the real return after inflation) + debts, mortgage, education and final expenses − savings and existing cover. Term insurance is the cheapest way to buy this cover. An estimate, not financial advice.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Cover by income (India)
- ₹5 lakh income: ₹1,40,00,000
- ₹8 lakh income: ₹1,90,00,000
- ₹10 lakh income: ₹2,25,00,000
- ₹15 lakh income: ₹3,10,00,000
- ₹20 lakh income: ₹3,95,00,000
- ₹25 lakh income: ₹4,75,00,000
- ₹30 lakh income: ₹5,60,00,000
- ₹40 lakh income: ₹7,30,00,000
- ₹50 lakh income: ₹8,95,00,000
Estimates built on public formulas and published limits — not a quote and not financial advice. Premiums depend on the insurer’s underwriting.