Endowment Maturity Estimator
Estimate the maturity value of an endowment policy with reversionary bonus.
Estimate only — bonuses are not guaranteed, so the actual maturity value may differ.
- Sum assured
- —
- Total bonus
- —
What an endowment pays at maturity
An endowment policy combines life cover with savings. If you survive the term, it pays the sum assured plus any accumulated bonuses. The most common is the reversionary bonus, declared each year as an amount per ₹1,000 of sum assured and paid out at maturity.
How this estimate works
This is a simplified estimate: Maturity = Sum assured + (Bonus rate × Term ×
Sum assured ÷ 1000). It assumes a constant bonus rate every year and ignores any terminal (final)
bonus, which insurers may add. Actual maturity depends on the bonuses the insurer actually declares.
How to use the Endowment Maturity Estimator
- Enter the sum assured. Type the guaranteed sum assured of your policy.
- Enter the policy term. Type the term in years over which bonuses accrue.
- Enter the bonus rate. Type the reversionary bonus per ₹1,000 sum assured per year.
- Read your estimate. See the estimated maturity value update instantly.
Frequently asked questions
What is a reversionary bonus?
It is a bonus an insurer declares each year as an amount per ₹1,000 of sum assured. Once declared it is added to your policy and paid out at maturity or on claim.
Is the maturity value guaranteed?
Only the sum assured is guaranteed. Bonuses are not guaranteed — they depend on the insurer, so the estimated maturity is indicative and can be higher or lower.
Does this include a terminal bonus?
No. This simplified estimate covers only the reversionary bonus. A terminal (final) bonus, if declared, would increase the actual maturity.
Does this calculator store my data?
No. The estimate runs entirely in your browser; nothing you enter is sent to or stored on a server.