ILP Surrender Calculator

🔁 ILP Surrender Calculator

Compare keeping your Investment-Linked Policy (ILP) versus surrendering it now, taking the surrender value, and redirecting your money into a low-cost investment. This is a neutral projection, not a recommendation about any product.

Current surrender value (what you would receive today)

Annual premium you still pay into the ILP

Years left until you planned to stop

Assumed ILP net return per year, after all charges (as of 2026, edit if changed)

Alternative low-cost investment return per year, after fees (as of 2026, edit if changed)

If you KEEP the ILP, projected value in 15 years

S$0

Current surrender value plus future premiums, both growing at the assumed ILP net return.

If you SURRENDER now and invest the difference, projected value in 15 years

S$0

Surrender value taken today plus the same premiums redirected, both growing at the alternative return.

Difference

S$0

Adjust the two return assumptions to see how the comparison changes. A lower assumed ILP net return reflects higher policy charges.

Keep ILP: keep the policy Surrender: surrender and reinvest

Source: MAS MoneySense, Understanding Investment-Linked Insurance Policies, moneysense.gov.sg. ILPs usually have no guaranteed cash value, and insurance charges paid from your units rise with age, so check your own policy documents and benefit illustration for actual surrender values and charges. Surrendering can also mean losing insurance cover, so consider your protection needs separately.

General information only, not financial advice. Verify with the official source (MAS MoneySense) and your own policy documents before deciding.