Term Insurance Calculator — டேர்ம் இன்சூரன்ஸ் தமிழில்
Cover = Income × 10-15. ₹10 LPA: ₹1-1.5 கோடி.
Recommended Cover
₹3.75 Cr
HLV Method
₹3.70 Cr
Income Replacement
₹1.80 Cr – ₹2.40 Cr
Estimated Annual Premium for ₹3.75 Cr Cover
Age 25–35 range
₹1,875 – ₹3,000/yr
Working years left (till 60)
30 years
How to use this
HLV = (Annual Income × Remaining Working Years) + Liabilities − Assets. Take the higher of HLV and income replacement (15–20× annual income). Compare actual plans on PolicyBazaar or Coverfox for exact premiums — online term plans are 30–40% cheaper than offline.
Cover = Income × 10-15. ₹10 LPA: ₹1-1.5 கோடி.
Term insurance: pure protection. HLV-ல் cover calculate.
அடிக்கடி கேட்கப்படும் கேள்விகள்
எவ்வளவு cover?
Income × 10-15.
Term vs Endowment?
Term: cheap protection.
Tax?
80C: ₹1.5L. Death: 10(10D) free.
Best companies?
LIC, HDFC, ICICI Prudential.
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