Anil currently has a monthly income of Rs.1,50,000. He pays an insurance premium of Rs.25,000 per month and an EMI of Rs.32,000 on a loan of Rs.40 lakhs that he has taken for this house. His personal expenses are Rs.10,000. He wants to provide insurance protection for his wife who is currently 49 years old and is expected to live till 80. If the expecled inflation is 6% and return on investment is 8%, what is the insurance cover he should take? His current insurance cover is for Rs.1 Cr and he has other investments amounting to R$50 lakhs. His house worth about Rs.50 lakhs.

Calculate his human life value.