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Insurance IRR Calculator

Finance & Investment

Annuity true yield · cash value table

Quick Answer

Insurance IRR Calculator: Annuity true yield · cash value table. Insurance IRR Calculator uses standard finance formulas to compute accurate results instantly.

CNY
CNY
True annualized return (IRR)
2.535%
Total paid 100,000, receive 165,000 at year 20
IRR2.535%
Total paid¥100,000
Total gain¥65,000
vs 2.5% capAbove

IRR reference

IRRVerdict
> 3.0%Excellent (rare after 2024 cap cuts)
2.3% – 3.0%Good for savings-type products
1.5% – 2.3%Mediocre — compare with deposits/bonds
< 1.5%Poor — surrender value too low in early years
The "interest rate" quoted by agents is often NOT the IRR: it may be a simple growth of the sum insured, not your cash flows. Always compute IRR from the GUARANTEED cash value table in the contract. Since Sep 2024, the regulatory cap on pricing rates is 2.5% for traditional products — any illustration above that is non-guaranteed (dividend/universal).

Calculation steps

  1. 1Lump-sum: IRR = (F/P)^(1/n) − 1 = (165000/100000)^(1/20) − 1
  2. 2= 2.535% per year

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How to Use

  1. Enter amounts and terms: fill principal, rate and period in the Insurance IRR Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
  3. Compare scenarios: tweak any parameter to compare costs and returns across plans.
  4. Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

  • Insurance IRR Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Annuity true yield · cash value table.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Insurance IRR Calculator formula

Insurance IRR Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Insurance IRR Calculator?
Open the page and fill in the input fields — results update automatically. Annuity true yield · cash value table.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Insurance IRR Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/insurance-return

Results provided by this tool are for reference only and do not constitute professional advice.