🎲 Fun & Lifestyle
Endowment Plan Calculator
Traditional life insurance with guaranteed maturity.
Enter values to see your result
Frequently asked questions
Why so low IRR?
Endowment plans invest conservatively (mostly debt), plus insurance cost eats returns. 4–6% IRR is typical — barely above inflation.
Should I buy endowment?
Rarely. Term insurance + PPF + equity MF usually wins: bigger cover + better returns + flexibility. Endowment only fits ultra-conservative savers.
What if I stop paying?
Policy lapses. After 2 years of premium, policy becomes paid-up at reduced SA. Surrender before 2 years = lose most premiums.
Are bonuses guaranteed?
No — declared annually by insurer based on performance. LIC has historically been conservative but reliable. Private insurers vary.