Term Insurance Calculator — टर्म इंश्योरेंस हिंदी में
Cover = Income × 10-15। ₹10 LPA: ₹1-1.5 करोड़। 30 साल पर ₹1Cr: ₹8K-12K/साल premium।
Recommended Cover
₹3.75 Cr
HLV Method
₹3.70 Cr
Income Replacement
₹1.80 Cr – ₹2.40 Cr
Estimated Annual Premium for ₹3.75 Cr Cover
Age 25–35 range
₹1,875 – ₹3,000/yr
Working years left (till 60)
30 years
How to use this
HLV = (Annual Income × Remaining Working Years) + Liabilities − Assets. Take the higher of HLV and income replacement (15–20× annual income). Compare actual plans on PolicyBazaar or Coverfox for exact premiums — online term plans are 30–40% cheaper than offline.
Cover = Income × 10-15। ₹10 LPA: ₹1-1.5 करोड़। 30 साल पर ₹1Cr: ₹8K-12K/साल premium।
Term insurance: pure protection। HLV method से cover calculate।
अक्सर पूछे जाने वाले प्रश्न
कितना cover?
Income × 10-15। Loans + family expenses।
Term vs Endowment?
Term: cheap protection। Endowment: expensive mix।
Tax?
80C: ₹1.5L। Death benefit: 10(10D) free।
Best companies?
LIC, HDFC, ICICI Prudential, Max Life।
CalcHub — Home · English version