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Insurance Adequacy Check
Two quick checks — is your family's income replaced if something happens to you, and is your health cover enough to not become a financial event on its own?
Your income
₹
yrs
yrs
%
%
What you already have
₹
₹
Recommended term cover
₹2,44,49,123
Human Life Value: ₹2,44,49,123 + outstanding debt ₹0
COVER GAP
Your existing cover of ₹0 falls short by ₹2,44,49,123 — that's the gap a term plan would need to close.
Human Life Value is the present value of the income your family would lose — 28 years of income, growing at 6%/yr, discounted back to today at 8%. It answers "how much would it take to replace what I'd have earned," not a fixed multiple of salary.
Both checks are deterministic math on the assumptions you set above — nothing here is a recommendation to buy a specific policy, and neither replaces advice from a licensed insurance advisor.