Human Life Value (HLV) Calculator
Most people are under-insured. Use this scientific calculator to find the exact amount your family would need to maintain their lifestyle if you weren't there.
Calculate Your HLV
Adjust the values to match your financial profile.
Your Human Life Value
Your family would need this cover to replace your income, clear liabilities, and maintain their standard of living.
Next step: Compare the top 3 term plans that match this cover amount, benchmarked by claim settlement ratio, and book a free policy review.
Compare Term Plans →What is HLV?
Human Life Value is a numeric value representing your economic worth to your family — the amount needed to replace your future earnings and pay off liabilities.
Why it Matters
It prevents under-insurance (random ₹5 lakh policies are rarely enough), accounts for inflation your family will face, and covers home loans, personal loans, and education costs.
The Formula
HLV = (Annual Income − Personal Expenses) × Years to Retirement + Outstanding Loans − Current Savings
Let's Talk About Your Insurance
Whether you need a new policy, want to renew an existing one, or need help with a claim — Hari Kotian is here to help. Free, no-obligation consultation.
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