Calculate Premiums for Life Insurance with Guaranteed Payouts
Endowment insurance combines life insurance protection with a savings component. It guarantees a lump sum payout either at policy maturity or upon death, whichever comes first.
This advanced calculator uses actuarial mathematics and real mortality data from the Social Security Administration to determine fair premium pricing based on your age, desired payout, and risk tolerance.
Uses 2025 SSA mortality tables
Calculate break-even probabilities
Visualize premium accumulation
Adjust interest rates & risk tolerance