Value Analysis
Insurance ROI Calculator
See what you'd get back from a policy vs. what you'd pay in — and the cost of not investing that money instead.
Policy Type
Pure protection — pays out only if a claim occurs during the term
Monthly Premium
Base premium, before any riders below
Policy Term
yrs
Number of years premiums are paid
Sum Assured (Payout on Claim)
$
What's paid out if a claim happens
Maturity / Cash Value at Term End
$
Guaranteed value even if no claim is ever made — 0 for pure term
Alternative Investment Return
%/yr
What the same premium could earn if invested instead
➕ Riders & Add-ons
Add rider
Multiple
0x
ROI if a Claim Occurs
0%
vs. total premiums paid
Total Premiums Paid
$0
Maturity ROI (no claim)
0%
Cost per $1,000 Coverage
$0
Opportunity Cost (invested)
$0
📊 ROI Breakdown
| Metric | Value | Impact |
|---|
How the numbers work
Total Premiums = Monthly Premium × 12 × Term | ROI = (Payout − Total Premiums) ÷ Total Premiums × 100
- Total Premiums Paid = (Base Premium + Riders) × 12 × Policy Term
- Claim ROI = (Sum Assured − Total Premiums) ÷ Total Premiums × 100 — only realized if a claim actually happens
- Maturity ROI = (Maturity Value − Total Premiums) ÷ Total Premiums × 100 — what you get back if you never claim
- Coverage Multiple = Sum Assured ÷ Total Premiums, shown as "how many times over" you'd get your money back on a claim
- Opportunity Cost = future value of investing the same monthly premium at your chosen return rate instead of paying for insurance
⚠️ This is an educational estimate, not financial or insurance advice. It ignores taxes, inflation, underwriting costs, and the value of protection itself — insurance is priced to cover the risk of a claim, not to compete with investment returns. Speak with a licensed advisor before making a decision.