RapidCheck

Human Life Value (HLV) Calculator

Estimate your economic value to set the right life cover.

Last updated: 13 Aug 2026

Quick answer

A simple human life value estimate is annual income × the number of working years left. For example, ₹10,00,000 income with 25 years left is ₹2.5 crore. Enter your income and years above.

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Human Life Value (HLV) estimates the money your family would need to replace your future earnings: a simple version is annual income × working years left.

How to calculate human life value

  1. 1 Enter your current annual income.
  2. 2 Enter the number of working years left until retirement.
  3. 3 We multiply them for a simple HLV estimate.

Frequently asked questions

What is human life value?
It is the present economic value of a person's future earnings, used to decide how much life cover is appropriate.
Is this the exact HLV?
This is a simple income-replacement estimate; a precise HLV discounts future income and subtracts personal expenses.
How does HLV relate to term cover?
Your term insurance cover should broadly match your HLV so your family can replace lost income.

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