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🧠 Simple Method Used: “Income Replacement Method.”

We used a practical version of Human Life Value (HLV).

👉 Step 1: Calculate your earning power

We first see:

How much money do you generate for your family every year

Income – Expenses = Actual contribution to family

👉 Step 2: Calculate remaining working years

We check:

Retirement Age – Current Age

This tells us how many years your family has depended on you

👉 Step 3: Calculate your total value (HLV)

We multiply:

Annual Contribution × Remaining Years

This gives:

👉 Total financial value of your life for your family

👉 Step 4: Add responsibilities

We then add:

• Loans (home loan, personal loan)
• Future goals (children's education, marriage)

Because these will still exist even if you are not there.

👉 Step 5: Subtract existing cover

If you already have insurance, we can reduce it:

Total Need – Existing Insurance

🎯 Final Output

👉 What comes out is:

“The amount your family actually needs if you are not there.”

💡 One-line Explanation

You can say this:

👉 “We calculate how much your family will lose financially if you are not there, and that becomes your ideal term insurance cover.”