Term Premium Estimator
Your Life Insurance Cost
Age & Profile Based
Estimate your term insurance premium based on age, gender, cover amount and smoking status. See how waiting even 5 years significantly increases your cost.
📜 Age-Based Estimate👨👩 Gender Factor🚬 Smoker Loading🛡️ Rider Options🆓 Free
Term Insurance Premiums
₹500/mo₹1CR AT AGE 25
15–20%WOMEN PAY LESS
+70%SMOKER LOADING
98%+TARGET CSR
₹1Cr Term at Age 25
₹500/mo
Non-smoker male
Age 35 premium
₹850/mo
+70% vs age 25
Women Save
15–20%
vs same-age male
Term Premium Estimator
Estimate your life insurance premium based on age, cover, and profile
Enter Your Profile
Indicative premium estimate — actual premiums may vary by insurer
🎂 Your Current Age30 yrs
183555
🛡️ Sum Assured (Cover Amount)₹1.00 Cr
₹25L₹5Cr₹10Cr
⏳ Policy Tenure30 yrs
10yr25yr40yr
⚠️ This is an indicative estimate only. Actual premiums vary by insurer. Always get a formal quote before purchasing.
Estimated Term Premium
💳 Estimated Monthly Premium
—
📅 Annual Premium
—
💰 Total Premium Paid
—
🛡️ Cover Amount
—
📊 Cover-to-Premium Ratio
—
📆 Cost Per Day
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Term Insurance Premiums at a Glance
How age, gender and smoking affect your premium
💰
₹500/mo
₹1Cr at Age 25
Male, non-smoker
👩
15–20%
Women Pay Less
Lower mortality risk
🚬
+70%
Smoker Loading
Quit = save ₹350/mo
⏰
+50%
Waiting 10 Years
Age 25 → 35 premium jump
📅
8%
Annual vs Monthly
Annual mode discount
🩺
+25%
CI Rider Loading
36+ diseases covered
📋
98%+
Best CSR Target
Claim settlement ratio
🆓
30 Days
Free Look Period
Return if unsatisfied
Premium vs Age — ₹1Cr Term Cover
How much more you pay for waiting
Calculate above to see age comparison
Term Insurance Guide
How to choose the right policy and get the best premium
What Drives Your Premium?
- Age at entry — most important factor
- Sum assured amount
- Policy tenure (longer = higher per year)
- Gender (female ~15–20% cheaper)
- Smoker/non-smoker status
- Health conditions and BMI
Buy Early, Save More
Premium Savings by Age
Age 25 → 35: Premium increases ~70%
Age 35 → 45: Premium increases ~120%
Buying at 25 vs 35 saves:
~₹3.6L over 30-year tenure
Best Term Plan Factors
- Claim Settlement Ratio above 98%
- Online-only = 20–30% cheaper
- Choose adequate tenure (till 65)
- Disclose all health conditions honestly
- Annual premium payment for discount
Recommended Riders
- Critical Illness: ₹25–50L on diagnosis
- Accidental Death Benefit: 2× cover
- Waiver of Premium on disability
- Terminal Illness accelerated payout
Frequently Asked Questions
Term insurance premium questions answered
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