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Calcimator

Whole Life Cash Value Calculator

Project the cash value accumulation and dividend earnings of a whole life insurance policy over time.

Inputs

$
$
years
%
%

Results

Projected Cash Value

$89,826.89

≈ 8 years of state college

Total Premiums Paid$90,000.00
Surrender Value$85,335.54
Projected Death Benefit$268,148.01
Total Dividends Earned$18,148.01
Return on Premiums-0.2%
How to Use This Calculator
  1. Enter the annual premium and the policy face value.
  2. Input your current age at policy issue.
  3. Set the expected dividend rate and policy loan rate.
  4. Review the projected cash value growth and dividend accumulation over the policy life.
  5. Compare the internal rate of return to alternative investments when evaluating whole life.

How the result changes with Projection Period

Projection PeriodProjected Cash Value
9.5$8,129.18
21$42,438.16
34$120,448.23
46$270,501.53

What each input means

Annual Premium
Your annual whole life insurance premium payment.
Face Value (Death Benefit)
The guaranteed death benefit of your whole life policy.
Current Age
Your current age or age when the policy began.
Projection Period
Number of years to project cash value growth.
Guaranteed Growth Rate
The guaranteed annual growth rate on cash value, typically 3-5%.
Dividend Rate
Estimated annual dividend rate from the insurer. Not guaranteed.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Annual Premium = 3000, Face Value (Death Benefit) = 250000, Current Age = 35, Projection Period = 30 = 6 input(s) provided
  2. Calculate Projected Cash Value
    89826.89 = $89,826.89
  3. Calculate Total Premiums Paid
    90000 = $90,000
  4. Calculate Surrender Value
    Surrender Value
    85335.54 = $85,335.54

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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