Financial tool
Insurance Need Calculator
How much cover is enough
Work out the cover your household would actually need, and the gap against what you already hold.
Insurance Need Calculator
wealthandcovers.com · +91 99900 03062 · 16 Oct 2026
Your numbers
Move a slider — the result updates as you go.
Recommended life cover
₹2.67 Cr
₹2,66,75,034
Cover gap to close
₹2.17 Cr
Cover already in force
₹50.00 L
Earning years remaining
25.0 years
Replacing ₹15.00 L of annual income for the 25 years to retirement, clearing ₹30.00 L of loans and providing for 3 dependants puts your cover requirement near ₹2.67 Cr. Against ₹50.00 L already in force, the gap is ₹2.17 Cr.
- Existing employer group cover ends when the job does — count only cover you own.
Cover requirement shown is an indicative planning aid, not an underwriting decision. Actual premium and acceptance depend on the insurer's underwriting.
The number is the easy half
What to buy, in what order, and what to leave alone — that is the conversation worth having.