Life Insurance Return (IRR/XIRR Estimate) Calculator
Estimate the annualised return from recurring premiums, annual money-back benefits and a final maturity amount.
How this estimate works
This uses annual cash-flow timing and is an IRR estimate. Exact XIRR requires the actual date and amount of every premium and benefit. It also does not assign a monetary value to life cover.
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
Why can policy IRR be lower than the illustrated investment return? +
Premiums may fund life cover, expenses and guarantees as well as savings. Compare the actual premium and benefit cash flows rather than a headline illustration rate.
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.