Annuity Surrender Charge Calculator (2026): What Cashing Out Really Costs An annuity promises security, but it also locks your money behind a wall of fees that shrink every year you stay in. That wall is the surrender charge — and if you need cash before the surrender period ends, it is the single largest cost […]
Fixed Indexed Annuity Income Rider Calculator (2026): How Much Guaranteed Lifetime Income Will You Get? A fixed indexed annuity (FIA) income rider is the only product on the market that promises a paycheck for life, no matter how long you live and no matter what the stock market does. The problem is that annuity illustrations […]
Life Insurance Policy Review Calculator 2026: Keep It, Replace It, or 1035 Exchange? Most life insurance calculators help you buy a policy. This one reviews the policy you already own. If you have been paying premiums on a whole life, universal life, indexed universal life, or convertible term contract for five, ten, or twenty-five years, […]
Nonforfeiture Options Calculator (2026): Cash Surrender, Reduced Paid-Up or Extended Term? If you are thinking about walking away from a whole life policy, the money does not simply disappear. Every permanent policy that builds cash value carries three nonforfeiture options — a legal right to something back — and the amount of coverage each one […]
Split-Dollar Life Insurance Calculator (2026): Endorsement vs. Loan Regime A split-dollar plan lets an employer and an executive share one permanent life insurance policy: the company puts up the premium, the executive’s family gets a piece of the death benefit, and the company gets its money back. The catch is that the IRS taxes the […]
Reinstatement vs. New Policy Calculator Price the catch-up cost of reviving a lapsed policy against the premium a brand-new policy would charge at your age today. Age when the policy was issued 35 Your age today 52 GenderMaleFemale Tobacco useNo tobaccoTobacco user Original death benefit$100,000$250,000$500,000$750,000$1,000,000 Original term length10 years20 years30 years Months since the policy […]
Charitable Gift Annuity Calculator (2026): Income, Tax Deduction and What Your Charity Keeps A charitable gift annuity is one of the few arrangements that lets you give money away and get a paycheck for life in return. You transfer cash, stock or other property to a charity; the charity signs a contract promising you a […]
Premium Financing Life Insurance Calculator (2026): Loan, Collateral & Break-Even Rate Premium Financing Life Insurance Calculator Model a leveraged policy: loan balance, collateral calls, break-even crediting rate. Client age: 55 SexMaleFemale Death benefit (face): $10,000,000 Annual premium financed: $300,000 Funding period5 years7 years10 years12 years15 years Loan interest rate: 5.50% Policy crediting rate (gross): 7.00% […]
Most people buy life insurance once, file the policy in a drawer, and never look at it again. That is exactly how families end up with a policy that names an ex-spouse, has a loan eating the death benefit, or expires three years before the youngest child leaves home. This free Life Insurance IQ Quiz […]
Buy-Sell Agreement Funding Calculator 2026: Cross-Purchase vs Entity Redemption vs Wait-and-See Life insurance documents with calculator and pen A buy-sell agreement is a promise: when an owner dies, the surviving owners will buy that owner’s share, and the family will sell it at a price the document already defines. Writing the promise is easy. Keeping […]
