TatvaPlus
Protection Planning Platform
IRDAI Licensed
Find out exactly how much
term cover your family needs
5 simple steps  ·  under 3 minutes  ·  no spam, no pressure
No spam calls
Unbiased advice
80+ families guided
Step 1 of 5
Tell us about your life
Your age, income and employment type determine your HLV — the maximum insurable coverage under IRDAI guidelines.
Employment type
Salaried
Fixed monthly salary
Self-employed
Business / freelance
Between 18 and 65
Gross yearly earnings
Years your family depends on you
25 years
Until your youngest child becomes financially independent
Spouse, children, parents
Affects premium range estimate
Maximum insurable coverage (HLV cap)
Based on IRDAI HLV guidelines
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Step 2 of 5
What does your family spend?
This builds the expense-based coverage estimate. We compare it with your HLV and use the higher value — then cap the final result at your HLV.
Rent, food, school fees, utilities
Total future cost — leave 0 if unsure
i
Expense coverage = Monthly spend × 12 × responsibility years. We compare this against your HLV and use the higher of the two as the starting point.
Step 3 of 5
What do you owe?
Loans don't disappear when you're gone — they transfer to your family. We add all outstanding debts to your coverage need.
Remaining principal only
₹0
Step 4 of 5
What do you already have?
Existing savings and insurance count in your favour. We subtract these from the total need before applying the final cap.
LIC / endowment sum assured
₹0
Step 5 of 5 · Your number
Your recommended coverage
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IRDAI-aligned recommendation
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Months your family can manage today
Based on your existing savings vs monthly expenses
How your number is calculated
1
Your income's worth to your family
Based on your income and age group
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2
Add what you owe
Loans your family would need to clear
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3
Subtract what you already have
Savings and existing assets working for your family
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✓
Your recommended coverage
Capped at your HLV limit
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Existing assets Coverage needed
Already protected This cover fills the gap
HLV (max insurable)
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Expense method
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Total debts
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Existing assets
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Estimated monthly premium
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Budget plan Comprehensive
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This range includes basic term plans. Your final premium may change based on add-ons like critical illness, accidental cover, disability cover, and waiver of premium. A TatvaPlus advisor will share your exact quote.
This recommendation is built for your life, not for a sale. TatvaPlus advisors are IRDAI-licensed, follow no commission targets, and will find the right plan for you — at no cost, with zero pressure.