Personal Risk Assessment Calculator
Answer five quick questions about your age, job, health and lifestyle to get a personal risk score and tailored insurance recommendation.
About Risk Profile Assessor
Investment risk tolerance determines the optimal asset allocation for your portfolio. Risk is influenced by three factors: capacity (financial ability to absorb losses), willingness (psychological comfort with volatility), and time horizon (longer horizon allows more recovery time from market downturns).
Standard profiles: Conservative (70% debt, 30% equity) suits near-retirement investors or those with high financial obligations; Moderate (50/50) suits mid-career investors with 7-15 year horizon; Aggressive (20% debt, 80% equity) suits young investors with stable income and 15+ year horizon. Reassess your risk profile after major life events like marriage, a new child, or job change - these often warrant portfolio rebalancing.
Disclaimer. This is a simplified self-assessment for general planning awareness, not a medical or actuarial underwriting decision — your actual insurance needs and eligibility depend on a full application and the insurer's own assessment, so consult a licensed insurance advisor for a definitive recommendation. Read full disclaimer →
How Your Risk Score Is Calculated
This tool converts five self-reported factors into a single weighted risk score: age group (20% weight), occupation type (20%), health conditions (25% — the single largest factor), lifestyle habits like smoking and alcohol (15%), and number of financial dependents (20%). Each factor is rated on its own scale (age 1–5, the others 1–4), the weighted total is multiplied by 25, and the result is shown as a score out of roughly 100.
Based on the score, the tool places you into one of four bands — Low Risk (under 30), Moderate Risk (30–49), High Risk (50–69) or Very High Risk (70+) — and pairs each band with a specific insurance recommendation, from a basic term-plus-health combination at the low end up to comprehensive term, critical illness, personal accident and higher health cover (with a suggestion to consult a licensed advisor) at the high end.
Worked Example
A 26–35 year old in a field/travelling occupation, healthy with no conditions, a non-smoker with moderate exercise, and 1–2 dependents scores: (2×0.2 + 2×0.2 + 1×0.25 + 1×0.15 + 2×0.2) × 25 = 40/100 — Moderate Risk, with a recommendation of term insurance at 15× income plus health cover of ₹10L or more.