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Insurance surrender value calculator

Work out what you would actually receive if you surrendered your policy today, then see how it compares with an offer and with waiting for maturity. Nothing you type leaves your browser.

Your surrender figures

Optional comparisons

Guaranteed, or your own estimate.

Net surrender value

S$30,000

Quoted valueS$32,150

Less loan, interest and amounts owedS$2,150

Against the offer

The offer is S$1,500 more than your net surrender value.

What waiting is worth

Keeping the policy to maturity is like earning about 7.5% a year on S$30,000.

An estimate. Your insurer's dated statement is the figure that counts. The waiting figure ignores any premiums still to pay.

Get a written offer to compare

How the calculator works

  • Net surrender value

    The quoted value, minus any loan, interest and amounts owed. The same sum your insurer does. The method, with a worked example

  • Against an offer

    The difference between a written offer and your net surrender value. Only a figure above zero makes a sale worth it.

  • What waiting is worth

    The yearly return you would earn by keeping the policy to maturity instead of surrendering today. A high figure means waiting pays. Close to maturity

Calculator questions

How do I calculate the surrender value of my policy?

Start from the value your insurer quotes, then take off any policy loan, its interest and anything else owed. This calculator does it for you.

Where do I find the quoted surrender value?

In your insurer's app or portal, on your annual statement, or by asking for a dated statement. Insurer contacts

Why might my insurer's figure be different?

Interest builds daily or monthly and bonuses can be revised. The insurer's dated statement is always the figure that counts.

Do you store what I type?

No. The calculator runs in your browser and sends nothing to us.

Have your net value? Compare it with an offer

If we would buy your policy, our written offer sits beside your net surrender value. No NRIC, no obligation.

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