LICMTD Insurance Score Checker

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LICMTDScore Pro Advanced

◉Profile ◔Score ↗Gap ⌁Planning ✦Advice

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LICMTD • Financial wellness

Insurance Health Dashboard

Estimate your protection gap and financial readiness with transparent assumptions.

LanguageEnglish

Your profile

Use current annual figures. Required fields are marked *.

PRIVATE

Full name

Age *

Financial dependents *

Annual income (₹) *

Existing life cover (₹)

Outstanding loans (₹)

Available long-term assets (₹)Exclude your primary home.

Family health cover (₹)

Emergency savings (₹)

Monthly household expense (₹) *

Health statusGoodExcellentAverageNeeds attention

Tobacco useNoYes

Readiness score

Composite protection score • 0–1000

AUTOSAVED

0/ 1000

Add your details

Your result will appear here

The score weighs life protection, health cover, emergency savings, habits and planning readiness.

Life protection0%

Health protection0%

Emergency ready0%

Protection gap analysis

Need estimate = income replacement + loans − available assets.

ESTIMATE

Estimated life cover need₹0

Life insurance gap₹0

Suggested health-cover baseline₹0

Indicative premium budget/month₹0

Life need covered0%

Emergency fund target covered0%

Education planner

Assumes 8% education inflation and 10% return.

Child's current age

Education cost today (₹)

Estimated monthly SIP

₹0

Retirement planner

6% inflation; 25× annual retirement expense.

Target retirement age

Existing retirement corpus (₹)

Estimated corpus gap

₹0

Affordability

Indicative guardrails—not a quotation.

5% of income₹0

10% of income₹0

Actual premium depends on age, health, underwriting, term, cover and insurer pricing.

Priority actions

Rule-based guidance generated from your inputs.

Important: This tool provides educational estimates, not financial advice, an insurance quotation, or an insurer recommendation. Verify needs and policy terms with an IRDAI-licensed professional. Returns are not guaranteed unless policy documents explicitly say so.