<h1>Term insurance calculator enables transparent premium estimates accounting for age, health, occupation and riders for informed purchase.</h1> The term insurance calculator gathers personal and risk inputs-age, DOB, income, smoking status, occupation, health history, NRI status, sum assured, policy term and rider selections-and produces immediate premium estimates that update as cover levels or riders change. Major premium determinants include age, gender, health and lifestyle, occupational risk and selected riders; honest disclosure is essential because insurer mortality charges drive estimates and nondisclosure can create claim issues. The tool is positioned as enabling transparent comparison and coverage adjustment prior to purchase, alongside standard solicitation and disclaimer notices.