Enter your monthly premium, how many months you've paid so far, and the insurer's current estimated surrender (cash) value to calculate your total principal paid in, the net loss from cancelling today, and the loss rate and principal recovery rate versus what you've paid.
Check your insurer's app, website, or call center for today's estimated surrender (cancellation) value.
Enter the fields above to see your estimated surrender loss.
This tool simply compares the surrender value you enter against the principal you've actually paid in — it does not calculate the surrender value itself, which depends on the product type, time elapsed, and how your insurer deducts operating costs and risk premiums. Check your insurer's surrender value lookup service for the exact figure. This is a reference estimate only, not financial or insurance advice.