Calculate the present value of your future earning capacity — the scientifically proven method to determine exactly how much life insurance you need.
What is HLV?
Human Life Value (HLV) is the present value of all future income you would earn until retirement, minus your personal expenses. It answers: “What is the financial impact on my family if I am no longer here?”Insurance agents use this to show customers the exact gap in their protection.
Your Human Life Value (HLV)
₹40.2L
Present value of ₹₹3.0L/year net income over 28 years at 6% discount rate
Your HLV
₹40.2L
Total protection needed
Existing Cover
₹0
Current protection
Coverage Gap
₹40.2L
Add this much cover
⚠️ Your family has a ₹₹40.2L protection gap
If something happens to you today, your family would receive ₹0 — but they need ₹40.2L to maintain their lifestyle for the next 28 years. A term plan covering ₹40.2L costs approximately ₹282/month at your age.
For Insurance Agents — How to Use HLV in Sales
1. Show the prospect this calculator first — let them see their own gap in their own numbers.
2. The gap is the minimum cover to recommend. Explain it as “protecting your salary” not “buying insurance.”
3. Share the results via WhatsApp after the meeting — it keeps you top of mind and is a professional follow-up.
4. Track all prospect HLV calculations in InGrowIQ to follow up at the right time.