Human Life Value Calculator

The Human Life Value (HLV) Calculator helps you identify your life insurance needs on basis of income expenses, liabilities and investments and secure your family’s future.

Tell us your age
When do you wish to retire?
What is your monthly income
Personal monthly expense (Inclusive of personal expenses, liabilities and expenditure on dependants)
Are you married or single
Spouse's Age
Does your spouse work?
Age at which your spouse will retire
Spouse's monthly earnings
Spouse's personal monthly expense

Children details

Expected higher education cost
Expected wedding cost for first child
Total value of savings and investments that you have
Existing Insurance Cover
Total outstanding of all loans
Based on the details provided by you following are the results
Total additional insurance cover that your family needs Rs. .
Great ! Looks like you are adequately insured right now! However with life stages our liabilities increases and we have suitable options to plan your needs.
Our Recommended plans for you
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HDFC Life Click 2 Protect 3D Plus
Accidents happen! Add a little “extra” to your term plan and protect your family in your absence with HDFC Life Click 2 Protect 3D Plus - Extra Life Option. Life cover of Rs. 1 Cr at just Rs. 36/day*
*Online Premium for Extra Life, Male Life Assured, 25 years of Age, Lumpsum Benefit of Rs. 1 Crore for premium payment term of 40 years, Annual Frequency, Exclusive of Taxes. (Annual Premium Of Rs. 12783/365= Rs. 35.02/day)
Knowledge Center

This interactive does not constitute an offer or solicitation for the purchase or sale of any financial instrument or as an official confirmation of any transaction. HDFC Life Insurance Company Limited (Formerly HDFC Standard Life Insurance Company Limited) or any of its affiliates/ group companies shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the interactive.

The information being provided through this interactive is provided for your assistance/ information only and is not intended to be and must not alone be taken as the basis for an investment decision (“Information”). The recipient/ user assume the entire risk of any use made of this Information. Each recipient /user of this interactive should make such investigation as it deems necessary to arrive at an independent decision while making an investment and should consult his own advisors to determine the merits and risks of such investment. The investment discussed or views expressed may not be suitable for all investors. HDFC and its affiliates, group companies, sales staff, financial consultants, officers, directors, and employees may have potential conflict of interest with respect to any recommendation, related information or opinions.

This Information should not be reproduced or redistributed or passed on directly or indirectly in any form to any other person or published, copied, in whole or in part, for any purpose. This Information is not directed or intended for distribution to, or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication, availability or use would be contrary to law, regulation or which would subject HDFC and its affiliates/ group companies to any registration or licensing requirements within such jurisdiction. The distribution of this Information in certain jurisdictions may be restricted by law, and persons in whose possession this Information comes, should inform themselves about and observe, any such restrictions. The Information given in this interactive is as of the date of this report and there can be no assurance that future results or events will be consistent with this Information. This Information is subject to change without any prior notice. HDFC reserves the right to make modifications and alterations to this statement as may be required from time to time. However, HDFC is under no obligation to update or keep the Information current.

Neither HDFC nor any of its affiliates, group companies, directors, employees, sales staff, financial consultants or representatives shall be liable for any damages whether direct, indirect, special or consequential including health, physical well being, lost revenue or lost profits that may arise from or in connection with the use of the Information. Past performance is not necessarily a guide to future performance.


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