We offer insurance services such as Life, Health and General Insurance from LIC, TATA AIG, HDFC Life and Star Health Insurance, including Elder Care, MediCare, Super Charge 5X, Savings and Pension Plans, ULIPs, Term Insurance, Children’s Plans, Money Back Plans, Endowment Plans, Micro Plans, Motor Insurance, Commercial Lines, Group Insurance, Travel Guard and many more. Private finance for builders with HMDA and RERA. We provide loans from various banks such as Personal Loans, Educational Loans (Domestic and International), Business Loans, Loan Against Securities and Property, Balance Transfer, Car Loans, Two Wheeler Loans, Used Car Loans. Real estate services with Open Plots, Flats, Villas and Apartments: HMDA with RERA, DTCP with RERA, Farm Land within HMDA limits. WhatsApp
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TERM

Term Insurance Premium Calculator

Estimate annual / monthly premium based on Age, Sum Assured and Policy Term. (Estimate only)
Estimate note: This calculator uses a simple age-based rate-per-₹1,000 model to estimate premiums. Actual premiums vary by insurer, medical underwriting, riders, taxes and loadings.
Estimated Annual Premium
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Estimated Equivalent (per frequency)
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Total Premiums Paid (over term)
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For an accurate premium quote, contact an insurer or advisor — include medical details, riders (critical illness, accidental death), and service taxes which affect final price.
TERM

Term Insurance Premium Calculator — How to use

Estimate an approximate premium based on Age, Sum Assured and Policy Term — సులభంగా అంచనా వేయండి.
  1. Age (years): Enter your current age. (ఉదా: 30)
  2. Sum Assured (₹): Enter the life cover you want (policy amount). (ఉదా: ₹50,00,000)
  3. Policy Term (years): How long the cover should last (e.g., until retirement). (ఉదా: 30 years)
  4. Gender & Smoker status: Select these — insurers use these to calculate medical/load adjustments. (Female often slightly lower; smokers usually pay more.)
  5. Payment Frequency: Choose Annual / Half-yearly / Quarterly / Monthly — calculator shows equivalent amounts (approx.).
  6. Click “Calculate” — you will see:
    • Estimated Annual Premium (approx.)
    • Equivalent premium per chosen frequency
    • Total premiums you would pay over the policy term
  7. Reset: Use Reset to return to default values or try different scenarios quickly.
Note: ఇది ఒక సాద్యమైన అంచనా మాత్రమే. Final premium insurer-specific underwriting, medical tests, riders (CI/Accidental), policy type (level/decreasing), taxes మరియు loadings మీద ఆధారపడి మారుతుంది.

Quick Tips — చిట్కాలు

Start with realistic Sum Assured: Your family's annual expenses × years left (plus liabilities) gives a good starting point.
Smoker vs Non-smoker: Being a non-smoker reduces premium significantly — be honest when quoting.
Check riders separately: Critical Illness or Accidental Death riders add to premium — include only if needed.
One-line to show above calculator:
“Enter Age, Sum Assured, Term, Gender & Smoker status → Click Calculate to see an estimated premium and frequency equivalents.”
Shareable line (WhatsApp):
“Term Premium Estimator: enter age, cover amount, policy term, gender & smoker — get an estimated annual / monthly premium. (Estimates only; contact insurer for exact quote.)”

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