Most Indian families are underinsured by ₹50 lakh or more. Answer four questions and see your household's real protection number — instantly, and for free.
A fast starting point based on 15–20x annual income. Your household's real number also depends on your age, loans, and dependents — use the calculator below for a precise figure.
| Annual Income | Recommended Term Cover |
|---|---|
| ₹5 lakh | ₹75 lakh – ₹1 crore |
| ₹10 lakh | ₹1.5 crore – ₹2 crore |
| ₹15 lakh | ₹2.5 crore – ₹3 crore |
| ₹20 lakh | ₹3 crore – ₹4 crore |
Uses the Human Life Value (HLV) method — the same approach financial planners use — adjusted for your age, income, loans, and existing cover.
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A common starting point is 10–15x your annual income, plus any outstanding loans, minus cover you already hold. Your exact number also depends on your age, dependents, and financial goals — that's what the calculator above works out for you.
The earlier the better. Premiums are lowest in your late 20s and early 30s and rise steadily with age, so locking in cover early keeps your family's protection affordable for the long term.
Your outstanding home loan or LAP balance is a liability your family would still have to repay. Most planners recommend cover large enough to clear it entirely, on top of income-replacement cover.
Yes. The calculator and report are free — KG Finvest earns a commission from the insurer only if you choose to purchase a policy through us, at no extra cost to you.