Digit Glow Term Life Insurance

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Written By

Fathima Tabasum

Reviewed By

Ashok Manwani

Term Insurance Calculator: Know the Ideal Coverage Instantly Online

Q: How to pay term insurance premium rates?

To pay term insurance premium rates, Step 1: Log into your insurer's website or mobile app Step 2: Navigate to the payments section, choose your policy, Step 3: Select the payment method, such as credit/debit card, net banking, or digital wallet. Step 4: Enter the payment details, authenticate the transaction, and confirm Step 5: Keep a receipt for your records.

A term insurance calculator is a simple online tool designed to help you quickly estimate the ideal amount of life cover you need and the premium you would pay for a term insurance policy, making the selection process faster, easier, and more accurate.

Instead of juggling complex formulas or relying on guesswork, you simply enter your details and let the tool do the math. This allows you to find a policy that matches both your family’s protection needs and your own budget, all within minutes and without the need for professional expertise.

What is Term Insurance Calculator?

Once you understand the importance of life insurance coverage, the next question is, how much coverage do you need?

A term insurance calculator is an online tool that helps individuals estimate the ideal amount of term insurance coverage and the premium they would need to pay based on their financial profile.

By entering a few basic details, such as your age, income, financial responsibilities, preferred policy duration, and lifestyle habits, the calculator quickly generates suggestions for the coverage amount and corresponding premium.

This makes it much easier to plan for adequate financial protection, as the tool customises results to your specific needs and budget. In short, a term insurance calculator simplifies the process of choosing the right term policy by providing instant, personalised calculations, empowering you to make informed decisions about your family's financial security.

How to Use Term Insurance Calculator?

A term insurance plan calculator can help you estimate the ideal coverage amount and premium for your term insurance policy. Here’s how to do it effectively:

Step 1

Enter your date of birth, annual income and mobile number.

Step 2

Click “Calculate Ideal Cover” and choose the length of the policy.

Step 3

Choose riders (add-ons) that suit your needs for added protection.

Step 4

Review the estimated premium costs, then either proceed to get a quote or apply for your policy.

Note: The premium estimated by the calculator is an approximation. The final premium may vary based on the insurance company's underwriting process.

How Much Term Coverage Do You Need?

Determining the right amount of term coverage requires considering various factors related to family dependency, financial liabilities and future goals.

A common rule of thumb is having coverage 10 to 15 times your annual income. However, this is just a starting point. Here are some key factors to consider:

Categories	Details
Monthly Expenses	Household expenses Utility bills Groceries Transportation costs



Family Dependency	Number of dependents (spouse, children, parents) Duration of dependency (year until children are financially independent)

Financial Liabilities	Home loan outstanding Other loans (car, personal, credit card) EMI’s (monthly instalments)


Future Goals	Children’s education expenses (school, college, university) Children’s marriage expenses Retirement savings Buying a home or starting a business



Emergency Fund	Amount needed for an emergency fund to cover unforeseen expenses
Inflation	Factor in the impact of inflation on future expenses and liabilities
Existing Savings and Investments	Current savings, investments and other asset that can be used to support the family

Considering these factors, you can estimate the appropriate term coverage amount needed to ensure the family’s financial security after death.

Why Choosing the Right Sum Assured is Highly Important?

As healthcare costs increase and lifestyle-related health issues change, planning for your financial future becomes crucial. One way to do this is by selecting the appropriate sum assured for a term life insurance plan because:

Ensures your family receives sufficient funds to maintain their standard of living.
It covers outstanding debts, such as loans, to prevent financial burdens on your family.
It helps achieve specific goals, like children's education or marriage expenses.
Replace your income to support your family's financial needs.

How to Choose the Right Term Life Insurance Coverage?

In this video, you will understand the important elements you need to consider for selecting the perfect term life insurance coverage. Here’s a concise 4-point breakdown:

1. Purpose of Life Insurance: Life insurance provides financial protection for your dependents by covering lost income, debts, and future expenses.

2. Estimating Coverage Needs: A common way to estimate coverage is using multiples of your income or formulas like DIME (Debt, Income, Mortgage, Education).

3. Calculating the Coverage Gap: Subtract your existing assets from your total financial obligations to find how much life insurance you actually need.

4. Term vs. Permanent Policies: Term life insurance is affordable and covers a set period, while permanent insurance offers lifelong coverage with cash value benefits.

How a Term Plan Calculator Can Help You?

A term plan calculator is a specialised tool designed to help individuals understand and determine the most suitable term insurance plan based on their personal needs and financial situation. Here is how it can help:

Calculating Adequate Coverage

It helps you calculate the amount of coverage you would need to ensure your family’s financial security in your absence. By considering factors like your income, liabilities, dependents need, and inflation, the calculator can suggest an adequate sum assured.

Comparing Premiums

It allows you to compare the premiums of different term insurance plans available in the market. This can help you find a plan that not only meets your coverage needs but also fits within your budget.

Understanding Policy Terms

You understand how these factors affect the policy terms and the premium amounts by inputting various details, such as your age, health status, and lifestyle choices. This can guide you in choosing a plan with terms that best suit your situation.

Financial Planning

A term plan calculator aids in better financial planning by providing a clear picture of your future financial commitments towards the term insurance premium. This can help in managing your finances more effectively.

Saves Time

Using a calculator can save you a lot of time and effort. Instead of manually calculating your insurance needs or visiting various insurers to get quotes, you can get an accurate estimate quickly and easily online.

Informed Decision Making

It equips you with all the necessary information and insights, enabling you to make an informed decision about purchasing the right term insurance plan for you and your family.

What are the Benefits of a Term Plan Calculator?

A term insurance calculator is necessary for well-researched financial planning, and it includes term insurance as an integral component.

Helps in Choosing the Right Policy and Cover

A term plan calculator's basic and most prominent advantage is that you can determine an indicative figure of your sum assured requirements and accordingly check the premium.

For these details, you can even check and compare the premiums from different insurance providers or different plans for a specific sum assured. Finally, depending on your requirements and budget, you can select the best-suited plan.

Helps in Better Decision-Making

Having a term plan premium calculator at your fingertips means you can better analyse your available choices and requirements before making the final decision. You can input the various parameters like tenure, cover, multiple features, etc. and decide on an optimum policy after certain trials and analysis.

You can even factor in the small premium of various Add-Ons and design your policy per your preferences. Check how the premium changes for small changes in the input factors and vice versa. Try different combinations and simulations before you arrive at a final decision.

Policy Customization

With a term insurance plan calculator, individuals can customise their policies based on their needs. You can add optical riders, adjust coverage limits, and choose the length of coverage that suits you. Some common riders include critical illness, accidental death benefit, disability cover, waiver of premium, and income benefit rider.

This flexibility helps individuals find a policy that aligns with their financial goals and provides adequate protection for their loved ones.

Saves Your Time and Effort

Different policies across insurance providers come with various features, benefits, terms, and conditions. Reading through them, comparing, and getting in touch with customer service or agents to understand the premium and other things can be a highly tedious and complex task.

An online term insurance premium calculator takes responsibility for all that computing so you can sit back, relax, yet be sure of a sound financial decision. Just input the correct details needed for the computation.

What Happens if You Don't Use a Term Plan Calculator?

It's important to use this calculator to avoid the following potential issues:

Overpaying: Without using the calculator, you might pay more than necessary for your insurance. Not knowing the exact amount that fits your needs and budget could lead to overpaying.
Underinsurance: You might not buy enough coverage to protect your family properly. If something happens to you, the insurance payout might not be sufficient to support your loved ones financially.
Financial Stress: Not having the correct premium amount could cause stress and uncertainty about your financial planning and peace of mind. This uncertainty may lead to concerns about whether you can afford the insurance.

How to Calculate the Right Policy Duration for a Term Plan?

Calculating policy terms for term insurance involves considering several factors.
Here’s a step-by-step guide:

Determine Your Coverage Needs

* Calculate your financial liabilities, such as outstanding loans, debts, etc.

* Consider income replacement needs to support dependents.

* Factor in funeral expenses, medical bills, and other final costs.

Choose Your Policy Term

* Align the term with your financial goals (e.g., until children are independent or loans are repaid).
* Common policy terms are 10, 20, or 30 years.

Decide on the Sum Assured

* Determine the sum assured (coverage amount) based on your coverage needs.

* Ensure it's sufficient to cover your liabilities and income replacement needs.

Consider Your Age and Health

* Your age and health status impact premium calculations.

* Older or unhealthy individuals may pay higher premiums.

Select Your Premium Payment Frequency

* Choose how often you will pay premiums (monthly, annually, etc).

Use a Term Insurance Premium Calculator

* Enter your age, gender, sum assured and policy term.

* Get an estimate of your premium amount.

Adjust and Refine

* Based on the calculated premium, adjust your policy term, sum assured, or premium frequency to suit your budget.

Keep in mind that these steps serve as a guide to help you make informed decisions when selecting term insurance. For personalised advice, consult a financial advisor or an insurance professional to tailor your term insurance plan to your specific needs.

When is the Right Time to Buy a Term Insurance Plan?

The right time to buy a term insurance plan for maximum benefit is:

Details	Description
Early in life	The younger you are, the lower the premium.
When you have dependents	Get a policy for when you have a family to support and ensure their financial security.
When you take a loan	Buy a policy to cover your loans, such as a home or car loan
When you start working	Get a policy as soon as you earn to ensure your income is replaced
Before health issues arise	Buy a policy before they arise, as they may affect your eligibility or premium
When your income increases	Increase your coverage amount as your income grows
Before reaching 40	Premiums increase significantly after 40, so buy a policy before this age.
When you have financial goals	Buy a policy to achieve specific goals, such as your children’s education or marriage.

Factors Affecting Term Insurance Premium

When you buy a term insurance plan, your premium is calculated based on several demographic and lifestyle factors, such as age, gender, present or past medical ailments, habits like smoking or drinking, and hereditary diseases.

Here are the most common 8 factors that affect a Term Insurance premium.

Factors	Description
Age of Policyholder	Age is a primary factor affecting Term Insurance premiums. Younger individuals have a lower risk of critical medical conditions, directly impacting the premium. As age increases, the insurance provider’s financial risk rises, leading to higher premiums.
Policy Term/Duration	The term insurance premium directly depends on the policy duration. Longer terms, especially during older and riskier years, increase premiums.
Medical History	Health insurance premiums are influenced by medical history. Family medical background is analysed, as certain conditions (like stroke, diabetes, and cancer) can be hereditary and impact risk to life with higher chances of claims.
Current Health Condition	A medical check-up is typically required before purchasing a term insurance policy. This ensures that the prospective policyholder doesn’t have health conditions (e.g., hypertension, diabetes) that increase risk and premium.
Occupation	Profession also affects premiums. Risky occupations (e.g., soldiers, pilots, mining industry workers) face higher exposure to hazards, leading to higher premiums.
BMI (Body Mass Index)	An abnormal BMI indicates health risk, resulting in higher premiums.
Lifestyle Habits	A non-smoker who also doesn't consume alcohol has a lower premium than one who does. Also, engaging in adventure activities (e.g., scuba diving, skydiving) puts life at risk and leads to higher premiums.

How Smoking and Occupation Impacts Term Insurance Premium Calculation?

Insurers assess the risk associated with your occupation and smoking status to determine the likelihood of a claim. This risk assessment directly impacts your premium calculations. Below are the general guidelines:

Impact of Smoking on Premium

Smokers pay 30% to 80% higher premiums compared to non-smokers.
Smokers are considered high-risk due to increased health risks, such as lung cancer, heart disease, respiratory problems and stroke.
Smokers are statistically more likely to die prematurely, which increases the insurance company’s payout risk.
Typically, if you have smoked or used any tobacco product within the last 12 months, you'll be considered a smoker by insurance companies.
If you quit smoking, you might be eligible for a lower premium after a certain period, usually a year or more, depending on the insurer's policy.

Impact of Occupation on Premium

High-risk occupations (e.g., construction workers, miners, pilots) may attract higher premiums (up to 50% more).
Low-risk occupations (e.g., clerks, teachers, software professionals) typically attract lower premiums.
Some occupations, like military personnel or those working in hazardous environments, may be considered high-risk or even uninsurable.

Note: If you are a smoker with a high-risk occupation, you can expect to pay significantly higher premiums. It's essential to disclose your complete smoking and occupational history accurately when applying for insurance to avoid any coverage issues or premium discrepancies.

Essential Things You Should Consider While Buying a Term Plan

Beyond the basics of coverage amount, policy term, and premium, there are several other crucial factors to consider when purchasing a term plan:

1. Riders and Add-ons

They are optional enhancements that can be added to your basic term plan for increased coverage. These extras offer an added premium but significant financial security for unforeseen events.

Rider/Add-on	Description
Accidental Death and Disability Benefit (AD&D)	Provides additional coverage in case of accidental death or disability.
Critical Illness Cover	Offers a lump sum amount if diagnosed with a critical illness.
Income Benefit Rider	Provides a regular income in case of disability.
Term Insurance Rider	Offers an additional term insurance cover for a specific period.
Waiver of Premium Rider	Waives future premiums if you become disabled.

Note: While riders can enhance your coverage, they also increase the premium. Carefully evaluate your needs before opting for additional riders.

2. Payout Options

Term life insurance offers various payout options. You can choose payment options to meet your family's specific needs.

Payout Option	Description
Lump Sum	The entire sum assured is paid to the nominee in a single installment.
Income Benefit	The sum assured is paid in regular instalments over a specified period.
Lumpsum + Income Benefit	A combination of lump sum and income benefit.

3. Policy Exclusions

Understand the circumstances under which the insurer may not pay a claim.

Exclusions	Description
Suicide	Typically excluded for a specified period (usually 1-2 years) after the policy inception. After the exclusion period, death by suicide is usually covered.
War or Terrorism	It is generally excludes acts of war, declared or undeclared, and terrorist activities.
Hazardous Occupations and Hobbies	Examples include skydiving, mountaineering, deep-sea diving, and certain high-risk professions. It may be excluded or require additional premiums.
Criminal Activities	Death resulting from illegal activities.
Substance Abuse	Death caused by drug or alcohol abuse.
Pre-existing Conditions	Generally not excluded, but may be considered during underwriting.
Aviation-Related Deaths	Death while operating or being a passenger on an aircraft may be excluded or require additional coverage.
Natural Disasters	Typically, it is not excluded directly, but death caused indirectly due to a natural disaster might be covered. Specific exclusions related to natural disasters might exist.

4. Tax Benefits

Term life insurance offers two primary tax benefits:

Tax Benefits/Deduction	Description
Tax Deduction on Premiums (Section 80C)	Benefits: Under Section 80C of the Income Tax Act, you can claim a tax deduction of up to ₹1.5 lakh on the premiums paid for your term life insurance policy. Conditions: The annual premium should not exceed 10% of the sum assured. This deduction is shared with other investments like PPF, ELSS, etc.
Tax-Free Death Benefit (Section 10(10D))	The death benefit received by your nominee is completely tax-free, regardless of the amount.
Riders	If your term insurance plan includes critical illness or disability riders, you might be eligible for additional tax benefits under Section 80D.
TDS	If the death benefit exceeds ₹1 lakh, a TDS of 1% might be deducted. If you submit the necessary documents, this can be refunded.

Note: Tax laws are subject to change. For the most accurate and up-to-date information, consult with a tax professional.

99.53% Claim Settlement Ratio For Digit’s Life Insurance - FY'25

When life takes an unexpected turn, every second matters. With a 99.53% Claim Settlement Ratio (CSR), Digit Life Insurance stands as a pillar of trust and reliability. This isn’t just a statistic; it’s a promise to our policyholders.

Every claim tells a story. Whether it was a salaried parent overcoming loss, a child’s future hanging in the balance, or a spouse seeking stability, we acted fast to bring peace of mind to grieving families.

That’s why we are committed to settling genuine claims swiftly, transparently, and with compassion, ensuring that your loved ones receive the support they need when it matters most.

₹2.88 Billion Worth Claims Paid in FY'25

At Digit, we don’t just talk about protecting families; we actually do it. In the last financial year, we paid ₹2.88 billion to families who lost a loved one. That’s a big jump from ₹351.52 million a few years ago, showing how much we have grown and how seriously we take our promise.

Every payout represents a family supported, a future safeguarded, and a promise fulfilled. We make sure claims are settled quickly and clearly, with zero confusion, so families don’t have to worry during tough times.

15,000+ Claims Settled in FY'25

At Digit, numbers aren’t just metrics; they are milestones of real lives touched. We are proud to share that the number of families we have supported through life insurance has soared from just 600 to 15,596 – a 25x growth that reflects the deep trust people place in us. That means thousands more families received the support they needed during life’s toughest moments. It shows how more and more people are choosing Digit to stand by them in their most vulnerable moments.

Solvency Ratio for Digit's Life Insurance in FY'25

At Digit, being financially strong isn’t just a goal; it’s how we earn your trust. Our solvency ratio has grown from 2.07 to 3.85, which means we are more than ready to keep every promise we make.

This number shows we have more than enough funds to pay claims and support families, even in tough times. In fact, our ratio is nearly double the required limit, giving you extra peace of mind.

Because when you choose life insurance, you are not just buying protection; you are trusting us with your family’s future. And we take that seriously.

Disclaimer: This report offers an overview of Digit Life Insurance’s performance, highlighting the growth in premiums, solvency ratio, and claims settlement metrics (CSR, claims paid, and claims settled), based on the company’s FY’25 internal data. The information is intended for general awareness only and should not be considered financial advice. Past performance may not reflect future outcomes.

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FAQs about Term Insurance Calculator

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General

Do term insurance premium rates increase over time?

Usually, the premium charged for a term insurance plan remains the same throughout the policy's tenure. This is one of the reasons why it is suggested to buy term insurance at a younger age when your premium amount is lower and remains the same for the complete tenure of the policy.

Does the premium amount change if I add riders to my term plan?

Riders provide additional benefits and can be added to the base policy for a nominal premium. They increase the total premium, but the change is minimal compared to the total premium amount.

How can I reduce my term plan premium?

Here are a few pointers that can help you optimise your term plan, i.e., maximum benefits with minimum premium:

Plan at an early stage. The younger you are, the lesser the premium.
Choose a longer tenure. Since it spreads the payment over a more extended period, the premium reduces.
Maintain a healthy lifestyle. Suppose you compare the premiums for a person with harmful habits like smoking, alcohol consumption etc., against someone who maintains a healthy lifestyle. In that case, you will notice that the difference is quite significant.
Try to pay your premium annually rather than breaking it into half-yearly, quarterly, or monthly, increasing the premium.

Can I increase or decrease the sum assured during the policy term?

In most cases, term insurance policies do not allow for changes in the sum assured during the policy term. However, it is advisable to check with your insurance provider, as some policies may offer limited flexibility in this regard.

How does my age affect my term insurance premium calculation?

Your age significantly impacts the premium for term insurance. As you get older, the cost increases due to actuarial life tables that predict the likelihood of death while the policy is active. On average, premiums rise by about 8% to 10% per year of age. In your 40s, it can be as low as 5% annually; over age 50, it may reach 12% annually. So, purchasing a policy when you are younger can be more cost-effective.

Why does occupation impact term insurance premium calculation?

Occupation significantly influences term insurance premiums. Insurance companies consider the risks associated with different professions when determining premiums. High-risk jobs like construction or mining often result in higher premiums. Conversely, stable occupations like teaching or healthcare may lead to lower premiums.

What personal details must I enter in a term insurance calculator 2024?

When using a term insurance cost calculator, you must provide essential personal information such as current age, desired retirement age, life cover, annual income, loan details, and savings. Enter these details to calculate the necessary coverage for your term insurance plan.

Can I buy a term insurance plan if I already have a life insurance policy?

Buying a term insurance plan is possible even if you already have a life insurance policy. Many individuals add a term insurance plan to their financial portfolio to supplement their coverage.

How to pay term insurance premium rates?

To pay term insurance premium rates,

Step 1: Log into your insurer's website or mobile app
Step 2: Navigate to the payments section, choose your policy,
Step 3: Select the payment method, such as credit/debit card, net banking, or digital wallet.
Step 4: Enter the payment details, authenticate the transaction, and confirm
Step 5: Keep a receipt for your records.

How is the sum assured in term life insurance calculated?

The sum assured in term life insurance is a fixed amount the insurer guarantees upon the insured event (like death). It depends on factors like age, health, and policy type. A standard guideline is to have coverage around ten times your annual income.

How do you calculate term insurance coverage using a term insurance calculator?

To calculate term insurance coverage using a calculator, follow these steps:

Enter your details (age, gender, income, etc)
Choose the policy term and sum assured
Select your smoking status and occupation
Enter your financial goals (e.g., outstanding loans, education expenses)
Click “Calculate” to get the recommended coverage amount.

Can I use the term insurance premium calculator without personal information?

You can utilise a term insurance premium calculator without disclosing personal information. These online tools estimate the premiums based on policy terms, choose the sum assured and select premium payment frequency (monthly or annually).

What is the premium for a 2 lakh term insurance?

It's important to note that a term insurance policy with a coverage of 2 lakh is invalid, as the minimum threshold for coverage starts at 10 lakh. Individuals seeking term insurance should consider policies offering 10 lakh or more coverage to ensure their investments are valid and beneficial.

What is the premium for 1 crore term life insurance?

The cost of a one crore term insurance policy varies depending on age, gender, medical history, lifestyle habits, occupation, selected policy term, and smoking status. Remember that affordability and coverage can vary, so comparing different insurance companies is essential to finding the best fit based on your needs.

What is the mortality charge in the term insurance calculator?

The mortality charge in a term insurance policy is the cost of providing life cover. It’s calculated based on the sum at risk (sum assured minus fund value) and other factors like age, gender, and life expectancy. The formula for the monthly mortality charge:

Mortality charge = (Mortality rate at the specific age x Sum at risk) / (1000x12)

What are the online term insurance premium payment options?

Online term insurance premiums can be paid through various convenient methods, including credit and debit cards, net banking, UPI, electronic funds transfer (EFT), mobile wallets like Paytm and Google Pay, and automatic payments via electronic clearing service (ECS).

What are the offline term insurance premium payment options?

Offline term insurance premium payment options include:

Visiting the insurer's branch to pay by cash or cheque.
Utilizing drop boxes for cheque payments.
Paying through an agent or advisor.
Making payments at partner bank branches.
Setting up an electronic clearing service (ECS) for automatic deductions from your bank account.

Note: Always ensure you get a receipt or acknowledgement of your payment.

What are the other premium payment modes available in India?

Term insurance premiums can be paid through regular payment, limited payment, or single payment. Digital advancements now allow for easy online payments using credit cards/debit cards, net banking, UPI, and mobile wallets, enhancing convenience and flexibility.

Are online term insurance premium calculator 2024 estimates reliable?

Online term insurance premium calculators for 2024 offer estimates that can be quite reliable when the user provides accurate, detailed information. However, if incorrect information, such as age, coverage amount, or policy duration, is entered, the results may be less reliable. It’s essential to consult a financial advisor or insurance expert for personalised advice before purchasing term insurance.

What is term insurance's min and max age limit?

The minimum age limit for term insurance is 18, and the maximum age limit for obtaining a term insurance plan is 65.

How to calculate the term plan?

To calculate your term plan cover, multiply your current annual income by the number of years left until retirement.

For example, if you are 40 years old and earn 15 lakhs annually, you will need a cover of ₹3 crore (15 lakhs × 20).

How is the term plan premium calculated?

The premium for a term insurance plan is calculated based on several factors, including the age and health of the insured, the sum assured, the policy term and lifestyle factors such as smoking or risky hobbies. Insurers use actuarial data to assess risk and determine the premium, which can vary among companies.

How is the premium calculated?

Insurance premiums are calculated based on the sum assured, policy term, age, gender, smoking status, occupation, health status, income, and location. An actuarial table determines the likelihood of a claim and calculates the premium, including mortality charges, expenses, and profit margin, divided by the policy term.

What is the actuarial table?

Actuarial tables (also called life expectancy tables, mortality tables, and life tables) are statistical tools used by companies, scientists, courts, and government agencies to predict a person's life expectancy based on age, gender, and other factors.

What is the minimum salary for 1 crore term insurance?

The eligibility criteria for a 1 crore term insurance plan vary among insurance companies. However, individuals earning around 5 lakhs or more annually can purchase such a policy.

How is term insurance eligibility calculated?

Term insurance eligibility is determined based on several factors:

Income Rule: A standard guideline suggests that your term life insurance policy's sum assured (coverage) should be at least 10 to 12 times your annual income.
Human Life Value (HLV) Method: This method calculates your term based on your future income potential, inflation, lifestyle, and family needs.
Underwriter’s Rule of Thumb: Insurance companies use preset multipliers on your income to calculate the maximum coverage amount you are eligible for.