ULIP Charges & Net Return Calculator
Project a ULIP fund value after premium allocation, administration, mortality and fund-management charges.
How this estimate works
Actual ULIP charges can change by policy year, age, sum at risk and fund. Use the policy charge table; this simplified annual model does not include tax, discontinuance or switching charges.
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
Does the gross return assumption equal the return I receive? +
No. The projected fund first earns the assumed gross return and then bears applicable policy and fund charges. Market returns can also be negative and are not guaranteed.
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.