Year-wise illustration
Swipe the table sideways for all columns. Year and age stay pinned.
Fund value trend
Projected corpus over the policy term at 4%, 8%, 12%, 14% and 16%
Money split
Charges and fund value at the end of the investing period
Export illustration
Excel, CSV and PDF include charge columns and Fund Value @ 14% with full rupee figures, company title and colour layout. Tick extra rates only if you want those fund-value columns added.
Formulas taken from the presentation chart
- Premium Allocation Charge: 6% of premium in years 1–2, 5.5% in years 3–6, 5% from year 7. Nil after the investing period.
- Net Invested Premium = Basic Premium − Premium Allocation Charge.
- Accumulated Investment = Previous year Fund Value + Net Invested Premium.
- Gross Return = Accumulated Investment × entered CAGR.
- Fund Management Charge = 1.35% × (Accumulated Investment + Gross Return).
- Mortality Charge = max(0, Sum Assured − Accumulated Investment − Gross Return) × rate / 1000. The PDF used a constant rate of 1.502. Official mode uses the ABSLI age/gender table.
- Fund Value = Accumulated Investment + Gross Return − FMC − Mortality Charge.
- Death Benefit = maximum of Sum Assured (10 × premium), Fund Value, and 105% of premiums paid.
- Fund Value @ 4% / 8% / 12% / 14% / 16% each run the same engine independently. Charge columns follow the CAGR you enter.
This is an illustrative sales calculator reverse-engineered from the 25 L Wealth Secure presentation. It is not an official insurer benefit illustration. Actual charges, GST, monthly mortality, policy administration and guaranteed additions can differ. Investment returns are not guaranteed.