Human Life Value Calculator

Human Life Value Calculator

20 Years
45 Years
25 Years
4 %
  • Tamil
  • English
  • Hindi
  • Telugu


What is HLV (Human Life Value) calculator? 

Human life value calculator helps you assess the life insurance cover one would need to secure the financial need of their dependents in case of their absence. It calculates the present value of the individual’s potential future earnings, taking into consideration factors such as net income, current age, retirement age and inflation rate.

Why is it important to know your HLV?

Knowing your HLV helps you understand the adequate insurance cover one would require to safeguard the family in case of their absence. If you have dependents who rely on your income, having a sufficient life insurance coverage can help provide financial protection for them.

How is HLV calculated? 

HLV calculation is based on input parameters such as net annual income, current age, retirement age and inflation rate. The first stage in HLV calculation is to determine the number of years till retirement and to calculate potential future earning, factoring the inflation rate estimated by the user to arrive at an estimate of their economic value.

How accurate is HLV calculator?

The accuracy of HLV calculations heavily depends on assumptions made about future earnings, inflation rates, and other economic factors, which are subject to change based on the input value.


For more details on risk factors, terms, and conditions please read the sales brochure carefully before concluding a sale.  

*Tax Benefits:  
Tax benefits are as per Income Tax Laws & are subject to change from time to time. Please consult your Tax advisor for details.  
You are eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time.

IRDAI Regn No: 128  
CIN No : U66010TG2005PLC045616 of the Company

The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”


  • IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.