Precision Insurance & Financial Planning Calculators
Calculate actuarial premiums, evaluate human life value (HLV), compute college inflation funds, estimate 90% policy loan limits, check revival fees for lapsed LIC policies, and lock in your entry age.
Actuarial Formula Modal Calculator
Formula: baseRatePerThousand = 1.2 + (age * 0.08) + (term * 0.03)
Eligible under Section 80C & Section 10(10D)
Human Life Value (HLV) Calculator
Calculates 15x annual income replacement plus loan liabilities
Estimated Pure Term Cost:
LIC Jeevan Labh (Plan 936) Yield & Returns
Limited premium payment with maximum bonus additions
Installment Premium: ()
Child Higher Education Fund Planner
Compounded with 6% annual college fee inflation
Suggested Monthly SIP:
Emergency Policy Loan Estimator
Up to 90% surrender value capacity with zero CIBIL checks
Approx Annual Interest (9.5%):
Lapsed Policy Revival Estimator
Restore your lapsed LIC policy and active life risk cover
Underwriting Age & Nearest Birthday Lock-in
In LIC and health insurance, age rounds up past 6 months from your last birthday. Locking in your proposal before this date saves 4–8% in lifelong premiums.
Premium Hike Window Alert:
Your insurance age increases in . Complete your proposal before then to lock in the lower entry age premium.
LIC Medical Test & KYC Checklist
Find out required diagnostic tests and KYC documents based on age and proposed sum assured. All LIC tests are 100% free of cost at authorized diagnostic clinics.
Diagnostic Reports & Rules:
Mandatory KYC Documents:
All calculator results are indicative estimates for guidance. Final premiums, bonuses and loan amounts are determined by the insurer.
