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‘Being Prepared’ should be Step-One in Life and HLV Calculator is the tool you need

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February 02, 2024

You can’t predict the future but you can prepare yourself to deal with the challenges that life throws at you. By doing so, you stand a greater chance of quickly moving past the obstacles that it comes up with. Most people understand the significance of being prepared and how it can help in the long run. But not many realize that the most important aspect of being prepared is to sort out the challenge before taking it on.

One of the key steps while preparing for difficult situations in life is to ensure financial stability. If you are the sole breadwinner of the family, it is crucial to plan ahead and safeguard your family from any financial stress when you are not around.

Sometimes, life throws a googly at you and that is when you realize the need for financial planning.

HDFC Life’s Adhura Nahi, Pura Life Insurance campaign highlights the importance of identifying the ideal life cover for you. HDFC Life’s Human Life Value (HLV) calculator is a great way to determine the ideal life insurance cover you will require based on your lifestyle and future expenses. It helps you understand the amount of money, you would need to secure the lives of your loved ones when you are no longer around.

While finalizing the life insurance, most individuals do not factor in inflation and standard of living which can impact the amount of cover required. Financial resources available to the dependents after your death and their financial needs are the two key points to be considered when deciding the extent of life cover

Also Read: Human life value: know it and how to calculate

An HLV calculator takes into account the inflation rates, monthly expenses, income, age, liabilities, etc. to come up with the Human Life Value number.

Visit the HDFCLife.com website to calculate the ideal sum assured and know your Ideal Life Cover' using the Human Life Value Calculator.

ARN: ED/01/22/27404

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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