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Calculate insurance policy surrender value
Surrender Value You Get
Amount Forfeited
% of Premium Returned
Surrender value is the amount you receive if you cancel an insurance policy before maturity. Most Indian policies offer surrender value after 3 years: typically 20% (year 3), 30% (year 5), 50% (year 10+) of premiums paid. It's significantly less than what you'd get at maturity, making early surrender usually unfavorable. Consider this before buying long-term policies—ensure you can afford consistent premium payments.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.