Life-cover estimate
Consider outstanding loans, future family expenses, education goals, and income replacement, then subtract suitable existing assets and cover.
Educational tools
Insurance planning calculators
Use simple planning methods to prepare for a conversation—not to predict policy returns.
Goal funding estimate
Estimate the future cost of a goal using its current cost, time horizon, and a reasonable inflation assumption.
Premium affordability
Test whether the premium remains manageable after essential expenses, emergency savings, debt repayments, and existing commitments.
Important limitations
These methods are educational estimates. They do not calculate an LIC quotation, premium, bonus, surrender value, maturity value, or guaranteed return.
Ask for the current official sales brochure, policy document, and benefit illustration before making a decision.
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