Most people guess their life insurance cover based on a round number. This tool uses the Human Life Value method — what your family would actually need to replace your income and cover outstanding debts.
How This Is Calculated
The Human Life Value method estimates coverage as a multiple of your annual income (roughly 10-15x, scaled to your working years remaining), plus any outstanding loans your family would need to clear, plus future goals like children’s education — minus cover you already have.
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