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If you're trying to estimate the cash surrender value (CSV) of your life insurance policy, a good calculator can help — but only if you consider the right factors: ✅ Policy type — Is it whole life, ULIP, or endowment? Each builds value differently. ✅ Premiums paid — The more you’ve paid and the longer you’ve held it, the higher the value. ✅ Surrender charges — Insurers often deduct fees, especially if you exit early (before 5 years). ✅ Bonuses — Participating policies may include reversionary and terminal bonuses, but not always on early surrender. ✅ Loans taken — Any unpaid policy loans get deducted from the final amount. ✅ ULIP NAVs — For market-linked policies, fund performance matters. Always check the current NAV. I found Truemind Capital’s Life Insurance Calculator super helpful — it’s detailed, easy to use, and doesn’t require sign-up. It even accounts for bonuses and surrender costs, which most tools ignore. Highly recommend check out truemind capital for more information regarding insurance calculator.