10 Free Calculators

Free Insurance Calculators

Tools for insurance agents and their customers. Calculate, share via WhatsApp, and convert more leads. All free — no signup required.

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LIC Surrender Value Calculator

Estimate what LIC pays if you surrender today — and compare it with making the policy paid-up or taking a policy loan before you lock in a loss.

GSV vs SSVPaid-up valueLoan eligibility
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LIC Maturity Value Calculator

Estimate your policy's maturity amount — sum assured + bonuses + final additional bonus — and see your real effective annual return.

Bonus estimateFABReal return %
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Loan Against LIC Policy Calculator

See how much LIC will lend against your policy (up to 90% of surrender value) and what you save versus a personal loan.

90% of SVInterest savingsNo CIBIL check
Agent Tool

LIC Commission Calculator

Calculate first year, renewal, and bonus commission for all LIC plans including Jeevan Anand, Tech Term, Jeevan Labh, and more.

LIC Agents12 PlansYear-by-year breakdown
High Traffic

Term Insurance Calculator

Find out exactly how much term life insurance you need based on income, loans, and dependents. Income replacement + HLV method.

₹1Cr coverPremium estimateShareable
High Traffic

Health Insurance Premium Calculator

Estimate your family health insurance premium instantly. Add members, choose sum insured, select city — get instant estimate.

Family floaterCity-wiseAll major insurers
Agent Sales Tool

Human Life Value (HLV) Calculator

Calculate the present value of your future earning capacity. The scientifically proven method agents use to show customers their exact coverage gap.

Needs analysisCoverage gapSales tool
Viral

Child Education Planning Calculator

Calculate how much to save monthly for MBBS, IIT, MBA, or study abroad. Accounts for 10% education inflation. Parents share this widely.

MBBSIITStudy Abroad
High Traffic

Retirement Planning Calculator

Calculate your retirement corpus and monthly investment needed. Accounts for inflation, post-retirement returns, and existing savings.

Corpus calculatorMonthly SIPNPS vs LIC
Lead Generator

Home Loan Protection Calculator

Calculate outstanding home loan balance and the exact insurance cover needed. Compares level term plan vs bank HLPP — agents use this to convert borrowers.

EMI calculatorOutstanding balanceTerm vs HLPP

Built for Insurance Agents

Use these calculators in your customer meetings. Share via WhatsApp. Track which leads need follow-up. InGrowIQ is the complete platform for insurance agents — free to start.

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