Check my policyHome / Surrender guides / Surrender value / Calculate
The figure your insurer quotes is not always what you receive. Take off any policy loan, its interest and anything else owed, and you have your net surrender value. Try it with your own numbers below.
Last reviewed 15 October 2026
Your estimated net surrender value
S$22,850
Surrender value quotedS$25,000
Less loan, interest and amounts owedS$2,150
An estimate only. Your insurer's dated statement is the figure that counts.
Compare with an offerThe same sum your insurer does, with the same figures.
Net surrender value = surrender value quoted, minus any policy loan, minus loan interest, minus other amounts owed
| Worked example | Amount |
|---|---|
| Surrender value quoted | S$25,000 |
| Less policy loan | S$2,000 |
| Less loan interest owing | S$150 |
| Less other amounts owed | S$0 |
| Net surrender value | S$22,850 |
Illustration only. Not any real policy.
Ask your insurer for one dated statement that shows them all.
| Figure | Where to look |
|---|---|
| Surrender value quoted | Your insurer's app or portal, your annual statement, or a surrender value statement on request |
| Policy loan and interest | Your loan statement, or the same surrender value statement |
| Premiums owing | Your premium notice or payment history |
| Total premiums paid | Your premium amount multiplied by the payments made, or your insurer's statement |
Often far more, if you can keep paying. How surrender value grows
For an eligible endowment or whole life policy, a buyer may pay more than this figure. How we value a policy
A loan, a paid-up policy or a sale may suit you better. Compare your choices
Interest is added daily or monthly, bonuses can be revised and premiums fall due. Your insurer's dated statement is always the figure that counts.
No. The insurer takes the loan and its interest off the surrender value and pays you the rest.
The policy may lapse with nothing paid out. Speak to your insurer quickly about your options.
Yes. The loan stays with the policy, so a buyer's price reflects it in the same way.
If we would buy your policy, our written offer sits beside your net surrender value. No NRIC, no obligation.
Check my policyHome / Surrender guides / Surrender value / Calculate
The figure your insurer quotes is not always what you receive. Take off any policy loan, its interest and anything else owed, and you have your net surrender value. Try it with your own numbers below.
Last reviewed 15 October 2026
Your estimated net surrender value
{{netText}}
Surrender value quoted{{grossText}}
Less loan, interest and amounts owed{{dedText}}
{{compare}}
What you owe is more than the surrender value. The policy may have no cash left to pay out, and could lapse. Speak to your insurer soon.
An estimate only. Your insurer's dated statement is the figure that counts.
Compare with an offerThe same sum your insurer does, with the same figures.
Net surrender value = surrender value quoted, minus any policy loan, minus loan interest, minus other amounts owed
| Worked example | Amount |
|---|---|
| Surrender value quoted | S$25,000 |
| Less policy loan | S$2,000 |
| Less loan interest owing | S$150 |
| Less other amounts owed | S$0 |
| Net surrender value | S$22,850 |
Illustration only. Not any real policy.
Ask your insurer for one dated statement that shows them all.
| Figure | Where to look |
|---|---|
| Surrender value quoted | Your insurer's app or portal, your annual statement, or a surrender value statement on request |
| Policy loan and interest | Your loan statement, or the same surrender value statement |
| Premiums owing | Your premium notice or payment history |
| Total premiums paid | Your premium amount multiplied by the payments made, or your insurer's statement |
Often far more, if you can keep paying. How surrender value grows
For an eligible endowment or whole life policy, a buyer may pay more than this figure. How we value a policy
A loan, a paid-up policy or a sale may suit you better. Compare your choices
Interest is added daily or monthly, bonuses can be revised and premiums fall due. Your insurer's dated statement is always the figure that counts.
No. The insurer takes the loan and its interest off the surrender value and pays you the rest.
The policy may lapse with nothing paid out. Speak to your insurer quickly about your options.
Yes. The loan stays with the policy, so a buyer's price reflects it in the same way.
If we would buy your policy, our written offer sits beside your net surrender value. No NRIC, no obligation.