Human Life Value Calculator

Insurance replaces income that would have reached family. Your own consumption goes away with you — subtracting gives true family benefit.

10x is rough shortcut. HLV is rigorous: accounts for growth, discount rate, remaining tenure. For young earners, HLV often = 15–25× annual income.

It's a floor. Add unpaid loans, children's education costs, emergency corpus needs. Many families also add 1–2 years of "settling" period buffer.

Yes — decreases each year as remaining earnings shrink. Review cover every 5 years; reduce when kids are independent.