Life Insurance Premium Burden Calculator
The premium burden calculator projects how much it will cost a client to keep a policy in force over the coming years, including scheduled premium increases, so the advisor can judge whether continued funding still fits the client's plan.
Who it's for
Advisors and fiduciaries whose clients face rising universal life premiums, fixed retirement income, or policies that no longer match the original planning need.
Inputs it uses
- Current annual premium
- Expected premium increases
- Insured age and projected years of funding
- Death benefit
What you get
A year-by-year projection of cumulative premiums and their relationship to the death benefit, highlighting when the cost of coverage may outweigh its benefit. Use it to decide whether a policy review or a life settlement evaluation is worth requesting. Figures are illustrative estimates only.
This tool is available to financial professionals with an access code. Outputs are illustrative estimates, not offers or appraisals. See all advisor tools.
Request accessAdvisor-Only Access
Enter the access code provided by Brian.