Life Insurance Calculator
Calculate the surrender value or maturity benefit of your life insurance. Free with amortization schedule, interest comparison, examples for 2026.
e.g. ETF savings plan
Life Insurance
Alternative Investment (5,0 % p.a.)
Alternative investment performs better
Difference: 54.838,80 €
Note: Life insurance also provides death cover. The alternative is purely mathematical, without considering taxes and risk.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
Is a life insurance policy still worthwhile?
Traditional capital-forming life insurance offers low returns due to persistently low guaranteed interest rates. Term life insurance is much cheaper and may be more suitable for pure risk protection.
What types of life insurance are there?
The main types are term life insurance (pure death benefit), endowment life insurance (savings plus death benefit), and unit-linked life insurance (investment-based). Each serves different financial goals.
What is the Life Insurance Calculator?
The life insurance calculator computes the expected payout of an endowment policy or the premium for a term life insurance policy.
How does the Life Insurance Calculator work?
For endowment policies: enter the monthly premium, term and guaranteed rate. The calculator computes the guaranteed maturity benefit. For term life: enter the sum insured, term and age to estimate the monthly premium.
Key Data and Facts
Guaranteed rate for new contracts (from 2026): 1.0%. Term life for a 30-year-old: approx. 5-15 euros/month for 200,000 euros cover. Proceeds from policies taken out before 2005 are tax-free.
Step-by-Step Guide
How to calculate Ihre Lebensversicherung step by step: 1. Versicherungsart choose: Kapitalbildende Lebensversicherung (Sparanteil + Todesfallschutz) oder Risikolebensversicherung (reiner Todesfallschutz, deutlich guenstiger). 2. Versicherungssumme bestimmen: Faustregel fuer Risikoleben: 3-5 Jahresnettogehalt. Bei Familie mit Immobilienkredit: mindestens Restschuld absichern. 3. Laufzeit festlegen: Risikoleben typisch bis Kinder selbstaendig sind oder Kredit getilgt. Kapitalbildend: oft 20-30 Jahre bis pension start. 4. contribution calculate: Risikoleben: Alter, Gesundheitszustand und Laufzeit bestimmen den contribution. Kapitalbildend: Monatsbeitrag x Laufzeit x Garantiezins (1,0 % ab 2026) ergibt die garantierte Ablaufleistung. Ueberschussbeteiligung kommt hinzu. 5. Steuerliche Behandlung beachten: Ertraege aus Vertraegen ab 2005 sind zur Haelfte steuerpflichtig bei Auszahlung nach 12 Jahren und ab 62 Jahren.
Calculation Example
Risikoleben: 35-Jaehriger, Nichtraucher, 250.000 EUR Summe, 25 Jahre Laufzeit. Monatsbeitrag: ca. 12 EUR. Kapitalbildend: 200 EUR/month, 30 Jahre, 1,0 % Garantiezins. Garantierte Ablaufleistung: ca. 83.700 EUR.
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