Compare premiums paid, prior benefits received, and current surrender value.
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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.
Cash-flow difference
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Total premiums paid—
Net recoverable + prior benefits—
Difference ratio—
Outstanding policy loan—
Do not use this result as a substitute for policy terms, formal insurer illustrations, or professional advice.
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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.
