This life insurance reference table shows the recommended life cover for a range of annual income values, assuming a years to replace income of 15, an outstanding debts of ₹20,00,000 and an existing savings & cover of ₹10,00,000. Every figure is computed with the same engine that powers our Life Insurance Calculator, so the numbers are exact.
| Annual income | Recommended life cover |
|---|---|
| ₹2,50,000 | ₹47,50,000 |
| ₹5,00,000 | ₹85,00,000 |
| ₹7,50,000 | ₹1,22,50,000 |
| ₹10,00,000 | ₹1,60,00,000 |
| ₹15,00,000 | ₹2,35,00,000 |
| ₹20,00,000 | ₹3,10,00,000 |
| ₹30,00,000 | ₹4,60,00,000 |
| ₹50,00,000 | ₹7,60,00,000 |
| ₹70,00,000 | ₹10,60,00,000 |
| ₹1,00,00,000 | ₹15,10,00,000 |
How to use this table
Find the row closest to your annual income and read across to the recommended life cover. For a value between two rows, the real figure sits between them — or enter your exact numbers in the Life Insurance Calculator for a precise answer.
Need a value that is not in the table? — the Life Insurance Calculator does it instantly, for free, with the formula and a worked example built in.
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