Insurance Needs
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Insurance Needs:to remove ///// proected format click <View> menu and check off protected ranges
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PersonRohitMohitSumitCalculate for you
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positionYoung GraduateExecutiveTeacher
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current wage3000001500000500000300000
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wage growth 5%7.5%5%3%
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tax rate 10%30%20%20%
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working years (n) 4025255
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disCount rate 9%11%6%8%
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Human Capital or Human Life Value5,708,41818,352,0598,945,7191,093,915
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Assets House, Car etc50000500000020000001000000
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investments made10000020000001000000
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Life Endowment Policies/ ULIP1000001000000500000
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Less Assets, Insurance / Investments250000800000035000001000000
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Less: Personal Expenses20%20%20%25%
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Plus Liabilities --- Loans etc2500035000001000000560,000
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Insurance Needs (Pure or Term Insurance)5,423,41813,552,0596,345,719578,915
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Age20353540
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Term Insurance Premium Needed5,36914,0946,600782
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Premium with Service tax6,03315,8367,415878
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