Selvayana: Term insurance cover calculatorEducational estimate, not investment advice. Selvayana is not registered with SEBI as an Investment Adviser or Research Analyst. Figures use the assumptions shown and are not predictions.
Term insurance cover calculator
Estimate how much life cover your family would need to replace your income and clear your loans.
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Detailed breakdown
How it's calculated
This uses the human life value method. It adds up the income your family would lose each year until your working age ends, minus what you spend on yourself, and converts it to today's value using the return they could earn. Loans and future goals are added, and your savings and existing cover are subtracted.
Common questions
Is employer group cover enough?
Group cover usually ends when you leave the job, so many people also keep their own term plan and treat group cover as extra.
Last reviewed October 2026 · How we calculate · About Selvayana
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