Term Insurance Calculator
Calculate the ideal life insurance cover your family needs to maintain their lifestyle and settle debts in your absence. Based on the Human Life Value (HLV) method.
Life Details & Liabilities
Illustrative human-life-value method: the editable share of annual income grows until retirement and is discounted to today, then liabilities, goals and final expenses are added before savings and existing life cover are deducted. It does not model insurer underwriting, policy pricing or eligibility.
Illustrative Coverage Gap (HLV Method)
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Frequently Asked Questions (FAQs)
Human Life Value is a planning estimate based on dependants’ future expenses, debts, existing assets, inflation and the years support is needed. “10–15 times income” is only a rough heuristic and is not a substitute for modelling those cash flows.