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HomeLife InsuranceHLV Calculator
Life cover planning

What is your life worth to your family’s future?

Estimate your Human Life Value (HLV) using your family’s annual financial contribution, remaining working years, liabilities, future goals and existing resources. Use the result as a planning starting point—not as a substitute for personalised financial advice.

Clear assumptions Calculated in your browser Print or save report
Your family protection snapshot
Protect the income behind the goals.

A structured estimate can help identify a potential life-cover gap.

Estimated protection need₹1.25 CrIllustrative example only
IncomeFamily support
LiabilitiesLoans & goals
ResourcesAssets & cover
Human Life Value tool

Build your protection estimate

Enter realistic figures. The estimate updates when you calculate, with the assumptions shown alongside the result.

Your financial details

Use annual amounts in Indian rupees.

STEP 01 / 02

Income & family contribution

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Expenses not contributed to family needs.

Obligations & existing resources

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Home, education or other loans.
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Education, marriage or other planned costs.
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Resources earmarked for family protection.
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Inputs remain in this browser.
Understand your result

How the HLV estimate works

Human Life Value estimates the financial contribution a person may provide to their family over time.

01

Estimate family contribution

Annual income minus personal expenses gives a simplified estimate of the amount available to support family needs.

02

Value future contributions

Future annual contributions are projected using the selected income-growth rate and discounted to present value.

03

Adjust for obligations and resources

Liabilities and planned goals are added; available assets and existing life cover are subtracted to estimate a potential cover gap.

Methodology used on this page

Present value of a growing annual contribution stream, plus outstanding liabilities and future goals, minus earmarked assets and existing life cover. If the selected growth rate is equal to or above the discount rate, the tool uses a finite-year discounted annual contribution calculation to avoid unstable results. This is a simplified model; actual HLV methodologies may differ.

Want help reviewing your protection needs?

Discuss your income, family responsibilities and existing cover with Mind Guru Gyan.

Speak with an advisor