Term Cover
Your answers are below — change any of them and it recalculates.
Your cover.
Your right number.
4 taps.
Term cover · someone 29, earning ₹12L, non‑smoker, covered at 18×
₹2.2 Cr from ₹1,150 a month
Yours is below.
Your fixed pay, per year.
Insurers price the two differently — that’s all this changes.
× earnings is how many years of income your cover replaces. The right amount usually sits at 15–20×.
Health cover · someone 29, non‑smoker, just themselves, in a metro
₹10L from ₹800 a month
Yours is below.
Insurers price the two differently — that’s all this changes.
An individual policy covers one person — the sum insured is yours alone.
Insurers price children the same regardless of gender — only the number changes the premium.
Hospital costs are priced by where you live, so this one’s needed.
Here’s your right
cover amount.
—
Four taps, as said.
from — a month
Indicative, from public rate patterns — not a quote from any insurer.
About parents: most insurers won’t put parents over 55 on a young adult’s floater — they’re usually a separate senior-citizen policy, priced on their own ages. We’ve sized for the whole household here; the options screen shows what that costs.
Now — how much of it do you already hold?
Then the cost, and your options — three taps in all.
What do you already have?
Your number, minus this — that’s your gap.
The gap.
—
What does closing it cost?
What closing it
tends to cost.
—
A population figure from public rate patterns, not a quote.
Who sells it — and at what?
Whose options
do you want?
Tap any names you’d trust with it. Ordered by market share — the choice stays yours.
Either way — the next screen prices your number at each.
Your options.
Indicative monthly premiums from public rate patterns — the insurer’s own quote follows underwriting.
A real option.
—
—
—
—
Your policy sits with the insurer, held by you. Indicative — not a quote from any insurer. Tapping records your decision — a place held for when the licence lands. No payment today; nothing is bought yet.
Your numbers, as said.
Sure.
We are taking a reservation now, since the broker licence is still coming.
What you worked out is yours already; when we can complete it, we come to you.
Yours.
—
—
Your numbers and your shortlist, in writing — sent to you, held by you.
A place in line: when the licence lands, reservations are completed first, in order.
The work you just did stays done — it’s here when you come back.
In your inbox, in your words. Used to reach you when the licence lands — and for nothing else.
Never sold. Reply “delete” anytime. Privacy
Sent.
—
It’s on its way to your inbox — your numbers, your shortlist, and what you picked. When the licence lands, we come back to you. Nothing else is needed from you today.