Term Insurance Calculator
Calculate how much term insurance cover you need based on your income, loans, and dependents. Get an indicative premium estimate.
Recommended cover
30-year term₹1,
12x income multiplier
Coverage gap
₹1,
Estimated annual premium
₹9,
Male, non-smoker (indicative)
Premium comparison for ₹1 crore cover
| Age band | Male (non-smoker) | Female |
|---|---|---|
| 20-25 | ₹6,500 | ₹5,000 |
| 26-30 | ₹7,500 | ₹5,800 |
| 31-35 | ₹10,000 | ₹7,500 |
| 36-40 | ₹14,000 | ₹10,500 |
| 41-45 | ₹20,000 | ₹15,000 |
Indicative rates based on published rate cards. Get an actual quote from IRDAI-registered insurers.
Frequently asked questions
Life Insurance Calculator
Find out how much life insurance cover you need using income replacement, HLV, and needs-based methods.
HLV Calculator
Calculate your Human Life Value, the present value of your future net earnings, to determine the right insurance cover.
SIP Calculator
Plan your monthly investments and see how they can grow over time.
Lumpsum Calculator
See how a one-time investment could grow at different return rates.
Premium estimates are indicative and based on published rate cards of leading insurers. Actual premiums depend on your health declaration, medical history, and the specific insurer. Always get a quote from an IRDAI-registered insurance company before purchasing a policy.