Human Life Value (HLV) Calculator
Understand the financial value of your future income for family protection
How to Use This Calculator?
- Enter your current annual income – This is your present yearly earning.
- Income growth rate (%) – Expected yearly salary increase (usually 4%–6%).
- Discount rate (%) – Expected safe return rate (usually 7%–9%).
- Working years remaining – Years left until retirement.
- Click on “Calculate Human Life Value” to see the result.
👉 The result shows the approximate amount your family may need if your income stops unexpectedly.
Your Estimated Human Life Value
This calculator provides indicative coverage only. Actual insurance requirements may vary.