Insurance
How much cover you need is a calculation; which policy to buy is not, and these tools deliberately stop at the first. Every estimate states the method it used (human life value, income replacement, needs analysis) because those methods disagree by large multiples and the disagreement is the useful information.
Life
Life Insurance Premium EstimatorTerm life premium estimate and the cover you actually need. Smoking roughly doubles the premium, and pure term costs a fraction of any policy that returns your premiums, because return of premium is a savings product with a poor return attached to the insurance.Endowment Policy Return (IRR) CalculatorThe actual annual return on a traditional endowment or money-back policy, which is almost always far below what the maturity multiple suggests. The comparison to a plain investment of the same premiums is the point.ULIP Returns CalculatorULIP maturity value after all four charge layers. The comparison shown is against buying term insurance and investing the difference, which is the decision this product actually competes with.Policy Surrender Value CalculatorSurrender value of a traditional life policy. The guaranteed factor is thirty percent in the early years and rises slowly, so surrendering a policy a few years in returns a fraction of what was paid.
Health
Motor
Motor Insurance IDV CalculatorInsured declared value from age and price. The IDV is the ceiling on a total loss claim and the base for the own damage premium, so lowering it to save premium lowers the payout on the claim that matters most.Car Insurance Premium EstimatorMotor premium split into own damage, third party and add-ons. The no claim bonus applies only to the own damage portion, so a fifty percent bonus does not halve the bill.No Claim Bonus CalculatorWhether a small claim is worth making. A claim resets the bonus to zero regardless of size, so the cost is the whole ladder rebuilt over several years, which frequently exceeds a modest claim.