Indicative pricing · educational only
Life Insurance Premium Estimator
Get an indicative annual premium range based on your age, gender, smoking status, desired coverage and policy term. This is an educational estimate, not an insurer quotation.
How this estimate is built
This estimator applies a simplified, illustrative rate-per-₹1-lakh-of-cover table that increases with age, and adjusts it for smoking status, gender, occupation risk and policy term. It is a generic educational model built for this website — it does not use or reflect the actual rate card of HDFC Life, Edelweiss Life, or any other specific insurer.
Assumptions used in this calculator
| Factor | Assumption |
|---|---|
| Base rate | Illustrative rate per ₹1 lakh of cover, increasing by age band |
| Smoker loading | Smokers are modelled at a higher indicative rate than non-smokers |
| Occupation loading | Higher-risk occupations modelled at a higher indicative rate |
| Term adjustment | Longer policy terms modelled at a modestly higher annual rate |
| Range shown | Typical estimate −15% to +20%, reflecting insurer-to-insurer variability |
This is not an insurance quotation. This calculator provides an educational, indicative estimate based on the information and assumptions entered. It is not financial advice, an underwriting decision, or a guarantee of coverage or pricing.
Actual premiums are determined by the insurer and may vary based on underwriting, medical information, occupation, lifestyle, policy terms and other factors. For an actual premium quote, please consult an insurer or a licensed insurance professional.
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Discuss this estimate with an insurance professional for educational guidance and context.