Whole Life Cash Value Calculator

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

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Annual Premium

Face Value (Death Benefit)

Current Age

Projection Period

years

Guaranteed Growth Rate

Dividend Rate

Tab to move between fields

Results

Projected Cash Value

$89,826.89

Total Premiums Paid$90,000

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

Enter the annual premium and the policy face value.
Input your current age at policy issue.
Set the expected dividend rate and policy loan rate.
Review the projected cash value growth and dividend accumulation over the policy life.
Compare the internal rate of return to alternative investments when evaluating whole life.

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