Human Life Value method — find the exact term insurance cover your family needs if you're not around.
The Human Life Value (HLV) method is the standard used by financial advisors to work out exactly how much term life insurance a person needs — instead of guessing a round number like "₹1 Crore" or "10 times my salary."
It calculates the total income your family would lose if something happened to you, for the remaining years you would have worked, and tells you the term cover required to fully replace that income.
Most people either under-insure (leaving their family exposed) or buy cover based on what an agent recommends rather than their actual need. HLV removes the guesswork — it's a fact-based number tied to your income, age, expenses, and existing cover, so your family's lifestyle and goals stay protected even if you're not around.
Enter your details and click Calculate to see your recommended cover amount.