How Much Life Insurance Do You Need?
Calculate the right amount of life insurance based on income, debts, dependents, and future expenses.
Rule
Cover = 10-15× annual income। ₹10 LPA: ₹1-1.5 crore cover। Term insurance (pure protection): ₹500-1,500/month for ₹1 crore (30-year-old)। LIC, HDFC Life, ICICI Prudential, Max Life: top insurers। Term plan = BEST value। Endowment/ULIP = poor investment (3-5% returns)।
Term vs Endowment
Term: ₹500-1,500/month for ₹1Cr cover। Endowment: ₹5,000-15,000/month for same cover + poor returns। Term + SIP = ALWAYS better than endowment/ULIP।
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