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Persistency Ratio Calculator
Calculate 13th, 25th, 37th, 49th and 61st month persistency for life insurance portfolios — the key quality metric for agents and insurers.
Persistency Ratio Calculator
13th-month persistency61st month: 58.0%
| Month | Ratio |
|---|---|
| 13th month | 84.0% |
| 25th month | 75.0% |
| 37th month | 69.0% |
| 49th month | 64.0% |
| 61th month | 58.0% |
Persistency = policies (or premium) still in force ÷ issued in the same cohort. IRDAI publishes insurers’ 13th–61st month ratios; low persistency signals mis-selling.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
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