How much annual fund needed for your family if something happened (death, permanent disability) to you today?
How many years of that fund (no 1) you will provide for your family
How much liabilities (under your name) that your family has to settle as of today
How much are your saving/investment/other liquid assets as of today?
How much is your sum assured as of today
Assumed annual inflation*
Your family fund needs
Total Insurance Needs
Additional sum assured that you need to have
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