Human Life Value Calculator
Calculate your true financial worth and get protection recommendations
Personal Details
Tell us about yourself to calculate your Human Life Value
Financial Information
Provide your financial details to calculate your Human Life Value
Your Human Life Value
Based on your financial information, here's your calculated Human Life Value
Your Calculated Human Life Value
The financial worth of your future income potential
Protection Recommendation
Based on your Human Life Value, we recommend the following insurance coverage:
Coverage Breakdown
Income Replacement: PKR 1.5 Cr
Children Education: PKR 0
Debt Clearance: PKR 0
Final Expenses: PKR 5 L
Emergency Fund: PKR 10 L
Suggested Life Insurance Plans
Choose from our recommended plans starting from PKR 50,000 yearly premium
- Life Insurance Coverage
- Death Benefit
- Basic Riders Available
- 10-20 Year Term
- Comprehensive Life Coverage
- Death & Critical Illness
- Additional Riders Included
- 15-25 Year Term
- Cash Value Accumulation
- Maximum Life Coverage
- Comprehensive Riders
- Investment Component
- 20-30 Year Term
- Wealth Transfer Benefits
- Premium Waiver
Your Human Life Value Report
Complete analysis of your financial worth and protection needs
Your Total Human Life Value
Comprehensive financial protection recommended
Selected Insurance Plan
Plan Type: Standard Protection
Coverage Amount: PKR 1 Cr
Annual Premium:
Monthly Premium:
Policy Term: 25 Years
Income Projection vs Protection Need
Why This Protection Matters
- Income Replacement: Replace your income to support your family's lifestyle
- Debt Protection: Clear all outstanding debts and loans
- Education Security: Ensure your children's education is fully funded
- Emergency Fund: Provide financial cushion for unexpected expenses
- Final Expenses: Cover medical and funeral expenses
- Peace of Mind: Know your family is financially secure
Human Life Value Protection
Comprehensive protection based on your true financial worth
What Human Life Value Protection Covers
- Income Replacement: Financial protection for your family to maintain their lifestyle
- Debt Clearance: Pay off all outstanding mortgages, loans, and credit cards
- Education Funding: Secure your children's education through college
- Final Expenses: Cover medical bills and funeral costs
- Emergency Fund: Provide liquidity for unexpected financial needs
- Retirement Supplement: Additional funds for spouse's retirement
- Wealth Transfer: Efficient transfer of assets to next generation
HLV Calculation Methodology
Income Projection: Current income with annual increments until retirement
Dependency Factor: Number of dependents and their financial needs
Debt Assessment: All outstanding loans and liabilities
Education Costs: Future education expenses for children
Inflation Adjustment: Accounts for rising costs of living
Existing Coverage: Deducts current life insurance policies
Why Human Life Value Matters
Understanding your true financial worth for comprehensive protection
Key Benefits of HLV-based Protection
- Accurate Coverage: Protection based on your actual financial worth, not arbitrary amounts
- Future-proof Planning: Accounts for income growth and inflation
- Family Security: Ensures your family can maintain their lifestyle
- Education Assurance: Guarantees your children's education is funded
- Debt Protection: Prevents burdening family with your debts
- Peace of Mind: Know your family is protected financially
- Wealth Preservation: Protects the wealth you've built for your family
Thank You!
Your Human Life Value assessment has been received.
Our specialist will contact you within 24 hours to discuss your personalized protection plan.