Term Insurance Returns Calculator — Maturity Benefit & Yield
Calculate term insurance returns, maturity benefits, and yield for LIC Tech Term, HDFC Life Click 2 Protect, and other term plans. Free term insurance returns calculator for India.
How to use Term Insurance Returns Calculator — Maturity Benefit & Yield India | InsuredBoard
Select your term plan
Choose from LIC Tech Term, HDFC Life Click 2 Protect, ICICI iProtect Smart, or Max Life Online Term.
Enter premium details
Provide annual premium amount, policy term, and sum assured.
Choose plan type
Select pure term (no maturity) or return of premium (ROP) term plan.
Calculate returns
For ROP plans, see maturity benefit. For pure term, see cost of protection.
Frequently Asked Questions
Does term insurance give returns?
Pure term insurance does not give returns on maturity — it only pays out if the policyholder dies during the term. Return of Premium (ROP) term plans return all premiums paid if you survive the term, but they cost 3-5x more than pure term.
What is the ROI on term insurance?
Term insurance is not an investment — it's protection. Pure term plans have no ROI on maturity. ROP term plans effectively give you a low return (typically 4-6% IRR), but a term + mutual fund combo usually outperforms ROP term.