Endowment & Money-back Maturity Calculator
Estimate maturity value from the stated base benefit, reversionary bonus, final bonus and earlier money-back payments.
How this estimate works
Use the maturity base and bonus basis from the signed benefit illustration. Bonuses can be non-guaranteed, and money-back products may define the remaining maturity benefit differently.
Check your inputs & compare scenarios
Replace the examples with your current figures. Keep the currency and time period consistent with each field. Save one scenario, then change an amount or rate to compare the effect. Reopened scenarios calculate with current rules; your original result stays in history.
Report a calculation issue with this page URL and non-sensitive example inputs.
Questions & answers
Frequently asked questions
Is the illustrated bonus guaranteed? +
Only benefits explicitly marked guaranteed should be treated as certain. Enter declared or guaranteed figures separately and run a cautious scenario with lower non-guaranteed bonuses.
Which policy documents should I check? +
Use the policy schedule, Customer Information Sheet, benefit illustration and insurer quotation. Enter the exact cover, premium, factor, sub-limit or charge shown for your policy.
Does this replace an insurer quotation or professional advice? +
No. It is a planning estimate. Underwriting, medical history, exclusions, waiting periods, tax treatment and product-specific terms can change the final premium, benefit or claim.