Needs-based life cover: family expenses, loans, goals, minus assets and existing policies.
A life insurance calculator helps you estimate how much cover your family needs if your income stops. It adds up inflation-adjusted household expenses for the years you want to protect them, plus outstanding loans and major goals (education, marriage, other dreams), then subtracts liquid savings and existing term insurance. Use the recommended cover as a starting point — our advisors can fine-tune it for your situation.