Term Insurance Cover Calculator
How Much Term Cover Do You Need?
A quick estimate of the life cover that would keep your family financially secure.
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A simplified needs-based estimate: income to replace × years, plus liabilities, minus what your family already has. A common rule of thumb is 10–15× annual income. Buy pure term insurance (not investment-linked plans), and review the cover as your income, loans, and dependents change. Not insurance advice.
Protect the downside first
Insurance and an emergency fund are the foundation before investing.