Life Insurance Policy Surrender Value Calculator
Estimate guaranteed surrender value using the eligible premium and vested-bonus factors shown in the policy.
How this estimate works
Guaranteed and special surrender value can differ, and the insurer may pay the higher value required by the policy. Use the year-specific factors and current quotation rather than a generic percentage.
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 might the insurer quotation differ from this result? +
Products use policy-year-specific guaranteed and special surrender rules. Loans, unpaid premiums, riders, tax and the treatment of bonuses can also change the payable amount.
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.