Are You Insured Enough?

You've made a smart choice by getting term insurance early in life. Use this Underinsurance Checker to find if your life cover is still sufficient.

Current Annual Income

Wondering what income to consider? Take the pre-tax income you earn by actively working which will stop coming in if you’re not around. Don’t worry! All your sensitive information is stored anonymously and can’t be accessed by anyone.

Number of years that you plan to work for

Number of years that you plan to work for Select the time period you intend to actively work and earn money, starting now till the time you retire. Retirement here means when you take up a full-time hobby, or when your kids and parents aren’t dependent on you anymore.

Current Life Cover

Current life cover Put in the life cover amount from your current term insurance policy. If you own more than one policy, add the total life cover amount from all these policies.

You are

UNDER INSURED

You are

ADEQUATELY INSURED

Your life cover should be able to support your family's needs even after you're gone.

Your Current Life Cover

Recommended Life Cover

Life cover - Sorted. What’s next? A lot has changed over the years! Spare a few minutes to understand and take other important term insurance decisions.

PRO-TIP

This decision is not cast in stone. Revisit it when you see a big change in lifestyle (i.e., when your income changes significantly).
Your insurer might offer you a lower cover due to your age or income. You can go ahead with the lower cover, and increase it later.
Don’t forget the impact of inflation. If you find your life cover to be very high, remember that it may not be worth as much after 10 or 20 years.

Disclaimer: HDFC Life Insurance Company Limited (“HDFC Life”) CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
ARN: INT/ST/08/23/4264

HDFC Life | Privacy policy | Terms & conditions

The tools and calculators available on this website, like the Term Guide, Underinsurance Checker, and Premium Comparer, (the “Tools”) are indicative tools and are meant to provide a general estimate for your life insurance planning. The results are based on limited facts provided by you, hence HDFC Life Insurance Co. Ltd. (“HDFC Life”) cannot guarantee the accuracy, adequacy, reliability or completeness of any information, computation or recommendation provided by the Tools. By using these tools you provide your consent to HDFC Life to store, process, analyse, or use the data collected from you and you waive your rights you may have in this regard. HDFC Life shall not be liable or responsible for any errors, inaccuracies or omissions or for any loss or damages suffered by any person in connection with the use of or reliance on the Tools. The Tools do not and are not intended to provide any investment, legal, tax or accounting advice. Results from the Tools are not an indication that the product and/or service will automatically be offered by HDFC Life and we reserve the right to offer our product or change information or features of the product and/or service listed at any time without notice. The Tools are the property of HDFC Life and are protected by applicable intellectual property laws. No reproduction, sale, publication, modification, dissemination or commercial exploitation of the Tools or information provided by the Tools is permitted.

HDFC Life Insurance Company Limited (“HDFC Life”) CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011.
ARN: INT/ST/08/23/4264

Are You Insured Enough?

UNDER INSURED

ADEQUATELY INSURED

PRO-TIP

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Disclaimer