Loans & EMI APIWeb Calculator UI
Free Term Insurance Human Life Value (HLV) API (2026)
Insurance planning API calculating total required life cover based on liabilities and living expenses.
Interactive API Playground & Live Test
GET
/api/v1/term-insuranceQuery Parameters
Current age in years
Current monthly family expenses in ₹
Total outstanding loans/debts in ₹
curl -X GET "https://fincalculator.in/api/v1/term-insurance?currentAge=30&monthlyExpense=60000&totalLoans=4000000" \
-H "Accept: application/json"Live JSON Response (HTTP 200 OK)
Click "Execute Live API Request" below...Request Parameters Schema
| Parameter | Type | Required | Description / Notes |
|---|---|---|---|
| currentAge | number | Required | Current age in years |
| monthlyExpense | number | Required | Current monthly family expenses in ₹ |
| totalLoans | number | Optional | Total outstanding loans/debts in ₹ |
Related Loans & EMI APIs
GET /api/v1/emiFree Home Loan & Personal Loan EMI Calculator APIGET /api/v1/home-loan-balance-transferFree Home Loan Balance Transfer Calculator APIGET /api/v1/loan-part-paymentFree Home Loan Part Payment Options Calculator APIGET /api/v1/home-loan-prepayment-vs-sipFree Home Loan Prepayment vs Mutual Fund SIP Calculator API
Frequently Asked Questions (FAQs)
Is the Free Term Insurance Human Life Value (HLV) API free to use in production apps?
Yes! All FinCalculator REST APIs are completely free, zero-auth, open-CORS, and edge-cached for high performance across global web and mobile applications.
What is the rate limit for /api/v1/term-insurance?
Endpoints are cached at the edge for 24 hours. There are no restrictive rate limits for standard web traffic and mobile applications.