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How to choose the right life cover amount?

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It is a thumb rule that your life cover should depend on your current annual income and any existing or future loans/liabilities you may have. We recommend to take life cover in proportion to your income:

 

Age Recommended life cover
18-35 25 times your income
36-45 20 times your income
46-50 15 times your income
51-60 10 times your income

 

Can I increase the life cover later?

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Yes, you can increase your life cover in case you get married or if there is a birth/ legal adoption for 1st and 2nd child without any medicals.

 

Event Additional death benefit(% of original death benefit) Maximum additional death benefit allowed
Marriage 50% ₹50,00,000
Birth/Legal adoption of 1st child 25% ₹25,00,000
Birth/Legal adoption of 2nd child 25% ₹25,00,000