Life milestone planner
Insurance for every stage of life.
A first salary, a wedding, a child, a home loan, retirement. Each milestone changes what you need to protect. Walk through the stages and see what to cover, and when.
Start small, start early.
Premiums rise with age and health changes, so a term plan bought with your first salary stays affordable for decades. Even a modest cover builds a safety net for parents who rely on you.
- Suggested cover
- 10–15× annual income
- Core policy
- Pure term plan
- Worth adding
- Accidental death rider
- Protection
- Savings
- Health
Protect the life you are building together.
A shared home, shared plans and often a shared income. If both partners earn, both should be covered. Add a family health floater so one hospital bill does not undo your savings.
- Suggested cover
- 15–20× annual income
- Core policy
- Term plan + family health floater
- Worth adding
- Waiver of premium rider
- Protection
- Savings
- Health
Add a dependant, add depth.
A child depends on you for twenty years or more: school, college, daily life. Raise your cover, and think about an income-benefit option that pays your family monthly rather than as one lump sum.
- Suggested cover
- 20× income + education fund
- Core policy
- Term plan + child plan
- Worth adding
- Monthly income benefit
- Protection
- Savings
- Health
Make sure the home outlives the loan.
A home loan is the largest promise most families make. Your cover should clear the outstanding loan and still leave your family with income to live on.
- Suggested cover
- Loan balance + 15× income
- Core policy
- Term plan matched to loan tenure
- Worth adding
- Critical illness cover
- Protection
- Savings
- Health
Review, rebalance, top up.
Income and responsibilities are at their highest. Check that cover still matches your lifestyle, add a top-up where needed, and begin building the savings that will fund your retirement.
- Suggested cover
- 12–15× annual income
- Core policy
- Term top-up + savings plan
- Worth adding
- Higher health sum insured
- Protection
- Savings
- Health
Turn savings into steady income, then a legacy.
The goal shifts from replacing income to protecting a lifetime of savings. Health cover matters most, along with regular income and a clear plan for what you leave behind.
- Suggested cover
- Spouse needs + legacy goal
- Core policy
- Annuity or whole life plan
- Worth adding
- Senior health cover
- Protection
- Savings
- Health
Coverage gap analysis
Find the gap between what your family needs and what you have.
Switch on what applies to you, adjust the amounts and watch the shortfall change. All amounts are in ₹ lakh (100 lakh = ₹1 crore).
What your family would need
- ₹L
- ₹L
- ₹L
- ₹L
- ₹L
What you already have
- Existing life coverPersonal and employer policies₹L
- Savings and investmentsMoney your family could draw on₹L
Life cover calculator
Estimate the cover you may need.
Move the sliders and the estimate updates as you go. It is a starting point for a conversation with an adviser, not a quote.
Estimated life cover
₹0
- Income replacement
- Loans to clear
- Future goals
- Less: existing cover and savings
Indicative term premium
See plans for this coverIllustrative estimate based on income replacement over your working years, adjusted for inflation. Actual premiums depend on health, habits, insurer and policy term.
Policy types explained
Six kinds of life insurance, in plain words.
Pick a policy type to see how it works, what it is good at and what to watch for.
Protection by life stage
Plans shaped around who you are protecting.
Individuals, families and retirees need different things from the same insurance budget. The ring on each card shows a typical split.
-
Individuals
Single and building a career
Lock in low premiums, cover any loans and parents who depend on you, and keep health cover independent of your employer.
- Term cover 55%
- Health 30%
- Savings 15%
- Term plan to age 60
- Individual health policy
- Critical illness rider
-
Most chosen
Families
Partner, children and a home
Higher cover for every earner, a floater for hospital bills and dedicated savings for your children's education.
- Term cover 45%
- Health 35%
- Savings 20%
- Term cover for each earner
- Family health floater
- Child education plan
-
Retirees
Income, health and legacy
Steady income from your savings, strong health cover and a clear plan for what you leave to the people you care about.
- Life cover 10%
- Health 50%
- Income 40%
- Annuity for regular income
- Senior health cover
- Whole life for legacy
Nominee planning
Decide who receives the payout, and how much.
A nominee is the person your insurer pays if you are no longer there. Getting the details right now saves your family time and stress later.
- Use exact legal names. Match ID documents and add the relationship.
- Make shares add up to 100%. Equal splits are common but not required.
- Plan for minors. If a nominee is under 18, name an adult appointee.
- Review after life events. Marriage, a birth or a loss means updating the form.
A nominee collects the money; a will decides ownership. Rules differ by insurer, so confirm details with your adviser.
Your nominee split
This is a planning aid only. Nothing you type here is saved or sent.
Myths vs facts
Common life insurance beliefs, tested.
Tap a card to turn the myth into the fact.
Build your protection plan
Turn these numbers into a plan you can start.
Tell us who you are protecting. An adviser will use your estimate to shortlist suitable plans from 40+ insurers and explain how they differ.