Human Life Value Calculator

Estimate life cover as income × years to retire, minus savings.

100000 20000000
5 40
0 50000000

Result

    Estimates only. Not investment or insurance advice. Actual premiums and returns vary. Consult a licensed PadosiAgent.

    Find a PadosiAgent

    Frequently asked questions

    Is this the cover I should buy?

    It is a simple educational starting point. Liabilities, dependents, inflation and existing policies change the number. A licensed agent should size the actual term plan.

    How is HLV calculated here?

    Annual income × years to retirement, minus existing savings and cover.