Term insurance need
Additional funding gap₹3.64 crore
- Income support, today's value
- ₹3,13,83,952.48
- Obligations due now
- + ₹30,00,000.00
- Future goals, today's value
- + ₹30,00,000.00
- Deployable liquid assets
- − ₹10,00,000.00
- Larger funding amount
- ₹3,63,83,952.48
- Existing in-force life cover
- − ₹0.00
- Additional funding gap
- ₹3,63,83,952.48
Support-funding illustration
Income replacement₹3,63,83,952.48
Dependent spending₹2,38,30,371.49
Annual support values
| Year | Age | Income support · PV | Dependent spending · PV | Goal · PV |
|---|---|---|---|---|
| 1 | 33 | ₹14,01,869.16 | ₹8,41,121.50 | ₹0.00 |
| 2 | 34 | ₹13,88,767.58 | ₹8,33,260.55 | ₹0.00 |
| 3 | 35 | ₹13,75,788.44 | ₹8,25,473.07 | ₹0.00 |
| 4 | 36 | ₹13,62,930.61 | ₹8,17,758.36 | ₹0.00 |
| 5 | 37 | ₹13,50,192.94 | ₹8,10,115.76 | ₹0.00 |
| 6 | 38 | ₹13,37,574.31 | ₹8,02,544.59 | ₹0.00 |
| 7 | 39 | ₹13,25,073.62 | ₹7,95,044.17 | ₹0.00 |
| 8 | 40 | ₹13,12,689.75 | ₹7,87,613.85 | ₹0.00 |
| 9 | 41 | ₹13,00,421.62 | ₹7,80,252.97 | ₹0.00 |
| 10 | 42 | ₹12,88,268.15 | ₹7,72,960.89 | ₹0.00 |
| 11 | 43 | ₹12,76,228.26 | ₹7,65,736.96 | ₹0.00 |
| 12 | 44 | ₹12,64,300.89 | ₹7,58,580.54 | ₹0.00 |
| 13 | 45 | ₹12,52,485.00 | ₹7,51,491.00 | ₹0.00 |
| 14 | 46 | ₹12,40,779.53 | ₹7,44,467.72 | ₹0.00 |
| 15 | 47 | ₹12,29,183.46 | ₹7,37,510.08 | ₹0.00 |
| 16 | 48 | ₹12,17,695.76 | ₹7,30,617.46 | ₹0.00 |
| 17 | 49 | ₹12,06,315.43 | ₹7,23,789.26 | ₹0.00 |
| 18 | 50 | ₹11,95,041.45 | ₹7,17,024.87 | ₹0.00 |
| 19 | 51 | ₹11,83,872.84 | ₹7,10,323.70 | ₹0.00 |
| 20 | 52 | ₹11,72,808.61 | ₹7,03,685.17 | ₹0.00 |
| 21 | 53 | ₹11,61,847.78 | ₹6,97,108.67 | ₹0.00 |
| 22 | 54 | ₹11,50,989.39 | ₹6,90,593.63 | ₹0.00 |
| 23 | 55 | ₹11,40,232.48 | ₹6,84,139.49 | ₹0.00 |
| 24 | 56 | ₹11,29,576.10 | ₹6,77,745.66 | ₹0.00 |
| 25 | 57 | ₹11,19,019.32 | ₹6,71,411.59 | ₹0.00 |
Manual what-if only—not a recommended policy size or insurer quote. Tobacco status does not change either funding method. Confirm actual needs, deployable assets and in-force cover; no premium, tax benefit or policy eligibility is calculated. PDF, Excel and Share remain unavailable.