📉 Policy Cash Flow

Policy Cash-Flow IRR Calculator

Estimate a simplified annualized IRR from premiums paid and a future policy value.

Enter your assumptions

This calculator is for financial math and protection-gap scenarios only. It is not an insurer quote, underwriting decision, or claim determination.

Annual premium paid

Years paid

Ending surrender / policy value

Total benefits already received

Simplified annualized IRR

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Total premiums paid—

Ending value + prior benefits—

Cash difference—

Period—

Do not use this result as a substitute for policy terms, formal insurer illustrations, or professional advice.

What is this tool for?

It converts household obligations or policy cash flows into comparable scenarios. It does not recommend an insurer, product, or coverage amount.

Next step

For an existing policy, request current surrender value, policy value, loan rate, and contract-change illustrations from the insurer before making a formal decision.