Source: https://awesomecalcs.com/term-insurance-calculator/age-35-income-18-lakh-3-dependents
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# Term Insurance for 35-Year-Old with 3 Dependents

> Three dependents (spouse, 2 children) increase your term insurance requirement significantly. Calculate for a 35-year-old earning ₹18 lakh.

Interactive calculator: https://awesomecalcs.com/term-insurance-calculator/age-35-income-18-lakh-3-dependents

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## Scenario inputs

```json
{
  "inputs": {
    "annualIncome": 1800000,
    "age": 35,
    "outstandingLoans": 3000000,
    "dependents": 3,
    "existingCover": 3000000,
    "liquidAssets": 0,
    "gender": "male",
    "smoker": false
  }
}
```

## Frequently asked questions

### How do additional dependents change my term cover requirement?

Each additional dependent increases the income replacement years needed and potentially the expense coverage required. Our calculator adds 1x to the income multiplier per dependent beyond 1. For 3 dependents at 35, the multiplier goes from 12x to 14x, translating to ₹2.52 crore on ₹18L income.