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Helps you identify your income expenses, investments and liabilities to determine the insurance coverage needed to ensure your family’s financial security in your absence.
Human Life Value (HLV) represents the economic value of your life. It helps you identify your income expenses, investments and liabilities to determine the insurance coverage needed to ensure your family’s financial security in your absence.
The Human Life Value calculator helps compute the monetary value of your life. It denotes the adequate life insurance amount you will need. There are several variables that you must consider while calculating this figure, such as:
Your current age and the age you wish to retire
Your net take-home income post taxes
Your expected rise in annual income and your expected return on your investment
Outstanding amount of your loans which includes Home Loan, Vehicle Loan, Education Loan, etc.
Details of your existing life insurance cover
Your current assets/savings, which will exclude your self-occupied house property
HLV is thus the discounting applied to your future flows of income. Thus, life cover required is HLV net of your insurance cover, financial assets and liabilities.
Manually calculating HLV can be complicated. Hence, we offer our HLV calculator wherein all you have to do is - input the required information and know your cover of insurance needed.
This calculator will help you identify your life insurance cover by considering your income, assets, and liabilities to secure your family's finances. It helps you quickly determine your insurance needs based on the inputs you provide.
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Disclaimer
Tata Capital Limited (“TCL”) is registered with the Association of Mutual Funds in India as a Mutual fund Distributor bearing ARN No. 51479 and Tata Capital Wealth is a service offering by TCL. Please note that all Mutual Fund Investments are subject to market risks, read all scheme related documents carefully before investing. Please note that TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary. Tata Capital Wealth - AMFI – registered Mutual Fund Distributor bearing ARN 51479.
Tata Capital Limited (“TCL”) bearing License no. CA0896 valid till 21-Jan-2027, acts as a Composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, BAJAJ Allianz Life Insurance Company Limited, Kotak Mahindra Life Insurance Company limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited & Star Health and Allied Insurance Co Ltd. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.
Tata Capital Wealth - AMFI – registered Mutual Fund Distributor bearing ARN 51479.
Registered office: 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400 013
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