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, 18 to 75 (default: 30)
Current monthly family expenses in ₹ (default: 50,000)
Total outstanding loans/debts in ₹ (default: 30,00,000)
Age income stops (default: 60)
Annual inflation % (default: 6)
Future goals to fund, such as education, in ₹ (default: 20,00,000)
EPF, mutual funds, savings and existing life cover in ₹ (default: 10,00,000)
curl -X GET "https://fincalculator.in/api/v1/term-insurance?currentAge=30&monthlyExpense=50000&totalLoans=3000000&retirementAge=60&expectedInflation=6&futureGoalsAmount=2000000&existingAssets=1000000" \
-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 | Optional | Current age in years, 18 to 75 (default: 30) |
| monthlyExpense | number | Optional | Current monthly family expenses in ₹ (default: 50,000) |
| totalLoans | number | Optional | Total outstanding loans/debts in ₹ (default: 30,00,000) |
| retirementAge | number | Optional | Age income stops (default: 60) |
| expectedInflation | number | Optional | Annual inflation % (default: 6) |
| futureGoalsAmount | number | Optional | Future goals to fund, such as education, in ₹ (default: 20,00,000) |
| existingAssets | number | Optional | EPF, mutual funds, savings and existing life cover in ₹ (default: 10,00,000) |
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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.