Every number below is calculated live from the age and monthly amount you set, using the rate or premium band listed against each row. Move a slider and the whole passbook recalculates.
Protection first
Term insurance (₹1Cr cover, till age 60)
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Companies to consider (by claim settlement ratio, IRDAI-published):
LIC Tech Term — largest insurer, ~98%+ CSR
Axis Max Life Smart Term Plan Plus — highest CSR, ~99.8%
HDFC Life Click 2 Protect Supreme Plus — highest amount settlement ratio, ~96.7%
ICICI Prudential iProtect Smart
Tata AIA Life — ~99.4% CSR (FY25-26)
Health floater (₹10L, family)
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Companies to consider:
HDFC ERGO Optima Secure+ — 2x cover from day 1, ~97.6% CSR
Star Health — largest standalone health insurer, ~99% CSR
Niva Bupa ReAssure 2.0 — unlimited restoration
Care Health Insurance (Care Supreme) — modular, unlimited restoration
ICICI Lombard Health AdvantEdge / Elevate
Critical illness rider (₹25L)
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This is usually bought as a rider on the term plan above, not a separate policy — add it from whichever term insurer you pick (LIC, Axis Max Life, HDFC Life, ICICI Prudential, and Tata AIA all offer one).
Total monthly protection cost: -
Claim settlement ratios above are from IRDAI-published disclosures and change yearly — always check the latest figure before buying. This is a starting shortlist, not a recommendation of one insurer over another; compare premium, riders and network before deciding.
Every product, same monthly ticket
Product
Indicative rate
5 yrs
7 yrs
15 yrs
20 yrs
Real estate/plot can't be bought at a fixed monthly ticket, so it's left out — REIT is the monthly-SIP way to get real estate exposure instead. PPF has a 15-year lock-in; NPS is locked till 60. Nifty 50 spreads your money across 50 large companies, so one company's bad year gets absorbed by the other 49 — that spread is why it's shown here instead of a single-company stock SIP, which carries no such cushion.
The 7-year exit vs. the 20-year stay
Stayed invested to year 20 Panicked, exited at year 7
Value at year 20 — stayed
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Value at year 20 — exited at 7
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Cost of panic
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SEALED YEAR 20
Prepay the home loan, or invest the extra?
Both options use the same amount of money and the same number of years, so it's a fair comparison. Paying extra to the bank is a sure saving — you know exactly how much interest you save. Putting money in the stock market is not sure — it can go up, but it can also go down, like the chart above shows. Only the "interest you save" number is guaranteed. Everything else in this table depends on the market doing well. Move the sliders above and every number here updates.
Get this as a personalised PDF
Every number above, saved as a one-page report with your exact inputs — useful to keep, share, or take to whichever insurer/AMC you pick.