Human life value
Assumptions
Income-replacement scenario: present value of annual income less personal expenses at the real return, plus liabilities, less liquid assets and existing cover. Real return = (1 + return) / (1 + inflation) − 1. This is not an insurance product recommendation or a complete protection-needs assessment.
Estimates are not personalised financial advice. Review assumptions before use.
Estimated protection gap
Based on your inputs. Not guaranteed. Exact amount: ₹1,36,49,424.
Income replacement value₹1.36 crore
Need before existing cover₹1.36 crore
Existing cover₹0
Cover gap
This is an income-replacement estimate after entered resources, not a recommendation for a particular policy.This is an income-replacement estimate after entered resources, not a recommendation for a particular policy.
View detailed breakdown
Need before existing cover₹1.36 crore
Existing cover₹0
Is this the cover I should buy?
It estimates an income-replacement gap after entered resources and cover. Dependants’ needs and policy suitability still need a separate review.
Detailed results
| Result | Value |
|---|---|
| Estimated protection gap | ₹1.36 crore |
| Income replacement value | ₹1.36 crore |
| Need before existing cover | ₹1.36 crore |
| Existing cover | ₹0 |
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