Financial Planning Tools & Calculators
Make informed decisions for your family's future with interactive estimators for Human Life Value, child higher education funds, retirement pension corpus, and milestone savings targets.
Life Cover (Human Life Value) Estimator
Estimate the financial protection shield your family needs to sustain their standard of living and clear liabilities.
This life cover ensures your family can clear existing liabilities and sustain essential monthly living costs without financial stress.
*Illustrative calculation only. These estimates do not constitute official policy documents. Final premium and maturity figures are based on age, policy term, medical underwriting, and official LIC tables.
Why Human Life Value (HLV) Matters
Most families are underinsured with basic policies of ₹2–5 Lakhs. HLV calculates true economic worth, ensuring your family can maintain their current lifestyle even in your absence.
The Cost of Delaying Savings
Starting a child education or retirement plan 5 years earlier can reduce the required monthly contribution by up to 40% due to the compounding effect of LIC guaranteed bonuses.
Sovereign Guarantee Security
Under Section 37 of the LIC Act, the Sum Assured and all accrued bonuses are 100% guaranteed by the Government of India, offering unmatched capital safety.
Need a Personalized Financial Plan or Quotation?
Send your calculated goals to Sanchita Adhikary Barman. She will curate the exact LIC policy combinations (Jeevan Labh, Jeevan Umang, SIIP, or Tech Term) tailored to your exact budget.