Life Cover Oracle
Protect your family's future with a multi-factor simulation that accounts for income replacement, major liabilities, and long-term milestones.
Financial DNA Profile
Identity & Earning
The Family Factor
Debt & Future Dreams
The Current Fortress
Higher of Two Methods
Additional Insurance Needed
Min. Policy Duration
Affordability Hint
Protection Verdict
Your current coverage is short of the required threshold by ₹2,62,94,683. Your dependents may be at risk.
The Math Ledger
| Component | Today's Value |
|---|---|
| Income Replacement (PV) | ₹3,35,94,683 |
| Home & Other Loans | ₹37,00,000 |
| Education & Marriage (PV) | ₹0 |
| Current Liquid Assets (−) | ₹60,00,000 |
| Calculated Ideal Cover | ₹3,12,94,683 |
Inflation Adjuster
Income Security Term
Strategic Coverage Suggestion
Base Income Replacement
Secure ₹2,75,94,683 with a policy that lasts until you reach age 60. This ensures your primary income is replaced throughout your working life.
Liability Shield
Consider a separate 'Decreasing Term' policy for your ₹37,00,000 debt. As your loan balance falls, your required cover reduces, saving you long-term premium costs.
Expert Tip
"Re-evaluate your life cover every 3 years. As your savings grow and loans decrease, you may actually need less insurance, allowing you to stop policies and save on premiums."