Free Tools
Make smarter insurance decisions with our free calculators and assessment tools. No sign-up needed.
Estimate your term insurance premium based on age, coverage amount, and lifestyle. Compare costs across different scenarios.
Try it freeFind out exactly how much term insurance coverage your family needs, based on your income, expenses, loans, and dependents.
Try it freeGet a 0–100 score measuring how well your family is financially protected. Identifies gaps in your safety net.
Try it freeAnswer 6 quick questions to find out how prepared you are — and get a personalised action plan to close any gaps.
Try it freePaste any clause from your term insurance policy and get a plain-English explanation — with exclusions, red flags, and free-look period highlighted.
Try it freeUse the Coverage Calculator to figure out how much protection your family actually needs based on your income, expenses, and outstanding loans. Then run the Premium Calculator to estimate monthly or annual costs across different coverage amounts and policy terms. The Readiness Quiz pulls it all together with a personalised action plan.
Already have a policy? The Policy Decoder breaks down confusing clauses into plain English so you know exactly what your policy covers and where the exclusions are. The Family Protection Score checks whether your existing coverage still matches your current financial situation, especially after major life changes like marriage, a new child, or a home loan.
Every tool runs entirely in your browser. We do not store your financial details, and you do not need to create an account or share personal information to get results. The calculations use standard actuarial formulas and IRDAI-published data where applicable.