Free planning tool

GPA & Group Term Life Calculator

Use high-level workforce inputs to document the cover amounts you want to explore. This calculates selected cover, not insurance premium or insurer eligibility.

Enter your planning assumptions

No personal, medical or sensitive employee information is needed.

Employees

Average annual CTC

INR

GTL multiple of CTC

GPA sum assured per employee

INR

Planning result

Selected aggregate cover

₹5,75,00,000

GTL selected cover: ₹4,50,00,000 · GPA selected cover: ₹1,25,00,000. This is not premium.

Need a tailored insurance discussion?

Use the result as a starting brief, then confirm final policy terms and suitability with ClearCover and the relevant insurer.

View all planning tools

Frequently asked questions

Does the calculator provide GPA or GTL premium?

No. Premium depends on underwriting, the workforce profile, policy terms and insurer pricing.

What is a CTC multiple?

It is the multiple of annual CTC an employer chooses to explore for group term life cover. The final policy design is subject to the insurer quotation and wording.