Savings Insurance IRR Calculator
Copy guaranteed and illustrated surrender values from the same benefit illustration, then compare that year’s IRR with a deposit. The illustrated figure is not guaranteed.
Share & more
Policy details
Guaranteed IRR at this surrender year
Illustrated IRR 3.05%
Copy guaranteed and illustrated surrender values from the same benefit-illustration year. This page does not price every policy year.
• This page prices only the surrender year you enter, not the whole policy.
• The guaranteed value is the contractual amount.
• The illustrated value usually includes non-guaranteed dividends and can be lower.
Guaranteed IRR at this surrender year
Total premiums HK$300,000 over 5 years. Illustrated IRR 3.05%.
HK$150,000 of the illustrated HK$500,000 is not guaranteed (30%).
Guaranteed IRR
Expected IRR
Guaranteed profit
Guaranteed vs deposit
Deposit FV HK$496,288 at 3.0%
View policy details
Total premium
Guaranteed multiple
Expected multiple
Holding period
Suggestion:The guaranteed value is HK$146,288 below putting the same premiums into a 3.0% deposit with the same payment dates. This page prices one surrender year only.
Savings-insurance IRR is not the illustrated total return
A sales page that says “500% total return” adds up a distant future amount. It does not show that you paid premiums years earlier. IRR converts those outflows and the surrender inflow into an annual compound rate, which is easier to compare with a deposit. This page prices only the surrender year you enter, not every year of the policy.
The guaranteed value is the contractual amount. The illustrated value usually includes non-guaranteed dividends, which can be higher or lower than the brochure. IA Guideline 16 requires participating policies to disclose fulfilment ratios. Do not treat the projected IRR as guaranteed, and do not treat the guaranteed IRR as what you receive on death or on an early surrender.
The calculator uses the same premium dates to grow those premiums at the deposit rate you enter. If the guaranteed value is below that deposit future value, the certain return is weaker than that comparison. Use a rate you can actually get, not the insurer’s illustrated rate.
Ask for the guaranteed and illustrated values from the same benefit-illustration year, the latest fulfilment ratio, the cooling-off period and surrender charges. Life cover and riders are not priced here. The policy and the insurer’s quotation remain decisive.
References
- 1Guideline on underwriting long term insurance business: non-guaranteed benefits(Insurance Authority)
- 2Participating policies and fulfilment ratios(Investor and Financial Education Council)
Site data last reviewed: 2026-08-09 · The sources above are for reference only; please refer to the latest official announcements from the relevant organisations.
Think a figure, rule or source needs updating? Report this pageFAQs
What is IRR?
What is the difference between guaranteed and illustrated return?
Why is the brochure total return so much higher than IRR?
Does this calculator show the whole policy’s return?
What should I compare the IRR with?
What figures do I need?
Related Tools
Client-side only: All data is calculated on your device and is not uploaded to any server. Results are for reference only and do not constitute professional financial or legal advice.