Cost of Delay Calculator

A cost of delay calculator is a useful tool as it creates awareness about the importance of purchasing a term life insurance as soon as possible. It gives a monetary representation of how the term insurance premium rates increase with the increase in age. You can use the calculator to see what a term plan will cost you today and the estimated cost of the same plan a few years later. 

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What is the Cost of Delay Calculator?

A cost of delay calculator is an online tool that helps you understand the importance of purchasing a term life insurance as soon as possible. It estimates the premium amount you would need to pay today for a term insurance plan and the premium amount you would need to pay for the same plan a certain number of years later. The term insurance calculator is a great tool to reinstate the importance of buying a term insurance plan at an early age as it gives proof of how much more expensive the same plan could cost a few years later.

one crore term plan
plus

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 16/day+

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day+

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day+

Information Required to Use the Cost of Delay Calculator

Here is a list of all the information you would need to input in the cost of delay calculator:

  • Desired Sum Assured

  • Date of Birth

  • Gender

  • Tobacco Consumption

one crore term plan

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%#

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

How To Use the Cost of Delay Calculator?

You can use the cost of delay calculator by following the below steps:

  • Step 1: Enter your desired life cover amount

  • Step 2: Fill in your date of birth and gender

  • Step 3: Answer lifestyle questions regarding tobacco consumption

  • Step 4: Click ‘Calculate’ to see the current premium amount of the selected plan and the premium amount applicable for the same plan selected number of years later

Note: Check all the best term insurance plan in India.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.


Premium By Age

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

© Copyright 2008-2025 policybazaar.com. All Rights Reserved

+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.



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