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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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