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PLI Calculator

PLI Surrender Value Calculator

Estimate the Surrender Value of your PLI Policy if you decide to close it before maturity.


Calculate Surrender Amount

Enter Policy Details

*Minimum 36 Months (3 Years) required.

PLI Surrender Rules


  • Minimum Period: Policy can be surrendered only after completing 3 Years (36 Months).
  • Before 5 Years: If surrendered after 3 years but before 5 years, NO BONUS is paid. Only reduced paid-up value is given.
  • After 5 Years: Proportionate Sum Assured + Proportionate Bonus is calculated, then a Surrender Factor is applied.
  • Surrender Factor: The amount calculated is discounted based on how many years are left for maturity. The closer to maturity, the higher the value.