By considering various factors like your present monthly expenses, liabilities, total income, and future life goals, you can choose a life insurance cover that is at least ten times your present annual income. You can use our life insurance calculators to know exactly how much life insurance cover you should opt for.

The easiest way to know the premium for a plan of your choosing, is by using the corresponding insurance calculator. You can refer to our range of calculators to know which insurance calculator you can use.

Our online insurance premium calculator will help you in calculating the cost of purchasing a specific insurance plan.

Our life insurance calculators, based on pre-defined and pre-built algorithms, take various parameters into consideration, such as your age, type of insurance policy you select, policy period, and the riders^@.

When you enter the values of these parameters while using our life insurance calculators, you will be given an estimated quote of the premium payable under the chosen plan. In a few cases, the premium displayed can change, depending on the underwriting decision.

Below are some of the factors you need to consider, before you choose the life insurance cover.

• Current annual income
• Monthly expenses
• Present and future financial liabilities
• Financial goals and aspirations
• Age at the time of policy purchase and number of working years left before retirement
• Number of dependent family members and their expenses

• Please make your own independent decision after consulting your financial or other professional advisor.
• ^~Available under Regular Income with an Inbuilt Critical Illness Benefit option
• ^*Guaranteed Income shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
• ^{^}Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
• ^$Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
• ^%Cash bonuses (if declared) will be paid out at the end of the chosen pay-out frequency.
• ^#Only available with cash bonus option.
• Insurance cover is available under the product.
• The products are underwritten by Tata AIA Life Insurance Company Ltd.
• The plans are not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
• For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
• ^@Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.
• L&C/Advt/2022/Dec/3077