Our data-driven model evaluates income, liabilities, inflation, and future goals to calculate your optimal coverage with precision.
No Registration Required • Instant Results • 100% Free
Trusted by 5,000+ Indian families for precise coverage planning
Most Indian families rely on outdated rules like “10× annual income” — ignoring inflation, liabilities, children’s education, and long-term goals. The result? A massive protection gap.
Average Indian households are underinsured relative to actual financial obligations.
Static coverage loses real value every year if inflation is not factored in.
Generic income multiples fail to account for loans, goals, and lifestyle needs.
A structured, data-driven framework — not guesswork.
Projects your future income until retirement and adjusts for inflation.
Includes home loans, personal loans, and outstanding financial commitments.
Accounts for children’s education, marriage, and long-term wealth goals.
Ensures your coverage maintains real purchasing power over time.
Most advisors use outdated shortcuts that ignore inflation, liabilities, and real family needs — creating dangerous underinsurance.
✖ Uses fixed “10× income” rule
✖ Ignores inflation impact
✖ Does not include loans & liabilities
✖ Ignores children’s future costs
✖ No personalization
✔ Calculates real income replacement
✔ Adjusts coverage for inflation
✔ Includes all liabilities automatically
✔ Accounts for future family goals
✔ Fully personalized analysis
Our calculator uses a structured financial model to instantly calculate the precise coverage your family truly needs.
Provide basic information like income, age, and financial obligations.
Our model evaluates income replacement, liabilities, inflation, and future goals.
Receive your scientifically calculated life insurance requirement instantly.
Common shortcuts and outdated assumptions often lead to serious underinsurance, leaving families financially vulnerable.
Rules like “10× income” ignore personal goals, liabilities, and real financial responsibilities.
Without adjusting for inflation, coverage loses significant real value over time.
Not Accounting for Future Expenses
Instant calculation based on structured financial analysis.
Our calculator uses a structured financial model that considers income replacement, liabilities, future expenses, and inflation to determine precise coverage.
No. Generic income multiples often underestimate actual needs because they ignore personal liabilities, inflation, and family goals.
It follows structured financial planning principles used by professionals to estimate precise life insurance requirements.
No. The calculator is completely free and provides instant results without requiring registration.
Yes. It is specifically designed considering Indian income patterns, inflation, and financial responsibilities.
It uses a comprehensive financial model that evaluates income, expenses, liabilities, and future goals to provide accurate coverage estimates.
In less than 60 seconds, discover the exact coverage your family truly needs — based on income, liabilities, future goals, and inflation.
No Registration Required • Instant Results • 100% Free