Every major life event changes your financial obligations. Here's what to review at each milestone — with India-specific calculators pre-linked for each situation.
Marriage is the biggest financial trigger in India. Combine incomes, update HLV, take joint health cover, and ensure both spouses are covered.
What to do
Use these India calculators
A home loan is often the largest liability an Indian family takes on. Your term insurance must cover the outstanding loan amount at minimum.
What to do
Use these India calculators
A new child means 20+ years of dependency. Education costs at 10–12% inflation require immediate planning. Your life cover must reflect this new responsibility.
What to do
Use these India calculators
A significant salary increase changes your HLV, lifestyle standard, and the cover your family needs to maintain it. Review and top up annually.
What to do
Use these India calculators
As parents cross 60, their healthcare costs surge and PMJAY may not cover all needs. If they're financially dependent on you, your life cover must include their living expenses.
What to do
Use these India calculators
Explore all India insurance calculators
Term life, health, critical illness, child education, income protection — all tuned for India.