Human Life Value = future income ka present value minus self-expenses — scientific tarika cover sizing ka, 10-20x rule iska simplified version hai.
Bahut log is stage pe ya to galat jagah apply kar dete hain ya adhoore documents ke saath — dono se rejection aur score-damage hota hai. Sahi sequence neeche hai.
HLV (Human Life Value) = aapki future earnings ka aaj ki value mein economic worth — cover-sizing ka scientific method. Simple version: (Annual income − khud pe kharch) × working years remaining, future growth aur discount adjust karke. Practical shortcut jo 90% cases ke liye kaafi hai: Income × multiplier (age-wise: 25-35 saal walon ke liye 18-20x, 35-45 ke liye 12-15x, 45+ ke liye 8-10x) + outstanding loans + bachchon ki education ka lump-sum − existing liquid corpus. Ye formula 10 minute mein aapka number de deta hai.
HLV ki asli power comparison mein hai — 'lagta hai 50 lakh kaafi hai' vs calculated number aksar 2-3x ka gap dikhata hai. Do galtiyan avoid karo: (1) Sirf income-replacement ginna, loans bhoolna — payout mein se loans pehle jaate hain. (2) Spouse ki income ko full offset maanna — unki income unke absence-scenarios mein bhi plan karo. Aur HLV static nahi hai — har 3 saal ya bade life-event (shaadi, bachcha, ghar, business) par recalculate karo; cover ko zindagi ke saath grow karna chahiye.
| Factor | Premium par asar |
|---|---|
| Age | Sabse bada lever — jitni jaldi, utna sasta lifetime |
| Smoking status | Significantly zyada premium, chhupana = claim risk |
| Cover amount | Proportionate — lekin per-lakh cost girti hai |
| Policy term | Retirement age tak logical hai |
| Component | Kaise gino |
|---|---|
| Income replacement | Income × age-multiplier |
| Loans | Sab outstanding jodo |
| Education fund | Per-child lump-sum estimate |
| Minus: corpus | Liquid investments hi gino |
| Minus: existing cover | Sab policies ka total |
Maan lijiye (udaharan kalpanik hai): 33-saal ke ek manager (income 14 lakh, home loan 45 lakh, 2 chhote bachche) ko 'feel' se 1 crore theek lagta tha. HLV kiya: 14L × 15 = 2.1cr + 45L loan + 40L education − 15L investments = ~2.9 crore. Uske paas cover tha 1 crore — gap 1.9 crore ka, jo 'feel' ne chhupa rakha tha. Usne 2 crore ka top-up liya — premium uski coffee-budget se kam nikla. Feelings round numbers deti hain; math sahi number deta hai.
Sabse pehla step apni exact situation clear karna hai. Human Life Value = future income ka present value minus self-expenses . WhatsApp pe apna scenario batao — hum free mein sahi direction dete hain, bina kisi fee ke.
Nahi — customer se koi fee nahi. Hum facilitation platform hain; partner se referral remuneration paate hain jo aapki cost nahi badhata. Final terms partner ke discretion par hote hain.
Documents complete hone par zyada cases mein kuch working days ka process hota hai — exact timeline partner aur profile pe depend karti hai. Hum realistic timeline pehle hi bata dete hain.
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Nahi — jis ghar mein family rahegi wo income-producing asset nahi hai; use bech kar to protection nahi banegi. Sirf liquid/investment assets minus karo. Rental properties ka case alag hai — unki income gin sakte ho.
Multiplier working-years aur returns ka shortcut hai — young person ki zyada working-years bachhi hain isliye zyada multiplier. Conservative rehna ho to apni age-bracket ka higher-end lo; under-insurance ka risk over-insurance se bahut zyada costly hai.
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