Actuarial Science Tool

Human Life Value (HLV) Calculator

Find the discounted economic value of your future earnings that your family depends on. The gold standard in insurance planning.

What is Human Life Value (HLV)?HLV is the scientifically calculated financial loss your dependents would face if your earning capacity ceased today. It represents the present capital required to replace your monthly financial contributions until retirement.

Current Annual Gross Income₹15 Lakh/year

Current Age30 yrs

Expected Retirement Age60 yrs

Personal Living Expenses (% of income spent on self)30%

15% (Frugal)30% (Standard)50% (High Self-Expense)

Annual Salary Growth7% / yr

Inflation / Discount Rate6% / yr

Calculated Human Life Value

Your Net Economic Value:

₹3.50 Cr

Based on 30 earning years remaining until retirement.

Annual Family Contribution:₹10.5 Lakh/yr

Net Working Horizon:30 Years

Recommended Term Insurance:₹3.50 Cr

Protect Your HLV with Pure Term Life

*Standard actuarial present value discounted methodology.