Calculators › Human Life Value Calculator
Human Life Value Calculator
What your earnings are worth to your family, and the gap against the cover you already have.
How it works
Take the yearly income, subtract what you spend on yourself, let it grow at your income-growth rate until retirement, and bring each year back to today at the discount rate. Add outstanding loans. That total is the human life value. Existing cover and savings are then subtracted to show the gap.
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These are estimates on the assumptions shown, not a quote or a promise. Insurance is the subject matter of solicitation.