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Life Insurance Surrender Value Calculator
See roughly how much you would get back if you surrender a traditional policy today.
Life Insurance Surrender Value Calculator
Estimated guaranteed surrender value50% of ₹2,50,000 premiums paid + bonus value
Loss vs premiums paid
₹1,17,000
Illustrative minimum GSV factors under IRDAI’s 2024 product regulations (30% in year 2, 35% in year 3, 50% in years 4–7, rising to 90% in the last two years). Your policy document’s factors and the special surrender value (usually higher) apply — ask your insurer.
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.
Is it free?
Yes — free, unlimited and no sign-up.