ThinkVault ToolsSavings Insurance IRR Calculator

Policy & endowment cash flows

Savings Insurance IRR Calculator

Assumes the premium term equals the maturity term.

Enter it from the insurer’s benefit illustration; leave at 0 to skip the guaranteed IRR.

For illustration only; not a product quote or bonus forecast.

Results

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Guaranteed annualised IRR

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Enter the guaranteed maturity value from the benefit illustration to calculate the guaranteed IRR.

Total premiums$240,000.00
Non-guaranteed scenario value$302,057.29

Non-guaranteed scenario value

$302,057.29

Scenario IRR 4.50%; scenario gain $62,057.29

Guaranteed annualised IRR

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Method and common questions

Tax, lending, holiday and protection rules vary by place and date. Check current local rules and provider terms. Results are estimates.

Why look at IRR for savings insurance?

A simple total return divides the gain by total premiums and ignores when the money was paid. The internal rate of return (IRR) accounts for the timing of every premium and the final payout, so it is better for comparing different premium and maturity terms.

Guaranteed vs non-guaranteed

The guaranteed maturity value must come from the insurer’s official benefit illustration. The tool never derives guaranteed figures from an assumed rate and never treats non-guaranteed bonuses as certain.

The scenario return only builds a mathematical illustration of how premium, term and return interact. It is not a quote, a sales recommendation or a bonus forecast.

Method

Both IRRs assume premiums at the start of each month and one maturity payout, with effective annualization: (1 + monthly IRR)^12 − 1. The scenario input is also an effective annual return converted to a monthly rate. Guaranteed values still come only from your policy input.

FAQ

Can I treat the non-guaranteed value as an expected return?
Do not treat it as guaranteed. It is usually based on the insurer’s current assumptions, and actual payouts can be higher or lower.
Can I compare policies on maturity value alone?
If premiums, premium terms or holding periods differ, the maturity value alone is misleading. Compare IRR, guaranteed share, liquidity and protection too.
Tool options

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https://hkdatalab.com/en

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Some cached pages may reopen offline, but not all pages will work. New pages, updated rates and quotes need a connection.