Calculators / Insurance
Term Insurance Calculator
Life cover is not a round number you guess. It replaces your income, clears your debts, and funds your family’s goals. Size it properly.
Find the right term insurance cover using income replacement, outstanding loans, future goals, and existing assets.
Questions, answered
How much term insurance do I need?
A common rule is 10 to 15 times your annual income, but a needs-based number is better: replace several years of income, clear all debts, fund big future goals, then subtract what you already have. That is what this calculator does.
Term or traditional insurance?
Term insurance gives the largest cover for the lowest premium because it is pure protection with no investment. Endowment and ULIP plans bundle weak returns with thin cover. Buy term for protection and invest the difference separately.
Free calculator from Qubera. Loading the interactive version…