Sigma Tech India · Banking
Term cover, by three methods at once.
Income Replacement (10–15× income), Human Life Value (present value of future earnings), and Need-Based (expenses + liabilities − assets). The largest of the three is the safe recommendation.
01 Profile & Liabilities
All amounts annual unless marked.
Current Age
yr
Retirement Age
yr
Annual Incomegross
₹
Annual Family Expensesessentials
₹
Expense Inflationp.a.
%
Income Discount Ratep.a.
%
Outstanding Liabilitieshome/car/personal loans
₹
Existing Assets & Investmentsliquid net worth
₹
Subscriber Nameprints on PDF · optional
02 Recommended Cover
The maximum of three methods.
Recommended Cover
₹0
—
Maximum Driver
—
Largest of three
Working Years Left
0
To retirement
Three methods
MethodCoverStatus
A. Income Replacement (15× annual)——
B. Human Life Value (PV future income)——
C. Need-Based (Expenses+Liab − Assets)——
Recommended Cover (Maximum)——
Term plans cover only the death risk — no maturity payout. Pure protection at the lowest premium per ₹ crore. — sigmatechind.com