ALL IN ONE CALC - Premium & Maturity Calculator

This application allows you to compute premium and maturity offline. Additionally, you can share the results with your clients.

This app is specifically designed to assist insurance agents.

This software (app) is intended for personal use only.

All information provided is based on the developer's expertise.

Disclaimer: The premiums displayed in the app are for reference purposes and may not be precise; actual premiums could differ based on applicable underwriting guidelines. The maturity calculations shown in the app are approximate (based on the current bonus rate). For comprehensive information regarding risk factors and terms and conditions, please carefully review the sales brochure prior to finalizing any sale.

Beyond Convenience: Why This App Transforms Insurance Workflows

As an insurance professional who frequently conducts client meetings outside the office, this premium and maturity calculator has become indispensable to my daily routine. Unlike web-based tools requiring spotty mobile data, its seamless offline functionality ensures I can instantly generate projections anywhere—whether at a client’s kitchen table or a remote coffee shop. The clean, no-nonsense interface prioritizes speed: I input basic parameters (age, sum assured, policy term) and receive preliminary premium/maturity estimates in seconds. This immediacy transforms client consultations from abstract discussions into concrete visualizations, helping prospects grasp policy value on the spot. While the app wisely emphasizes its role as a reference tool (actual figures depend on insurer underwriting), its calculations align closely enough with insurers’ bonus trends to build trust during preliminary talks.

What sets it apart is the elegant sharing feature. With one tap, I email clients a tidy PDF summary of our discussion—no manual note-taking or follow-up delays. This isn’t just convenient; it keeps momentum alive post-meeting. For agents juggling multiple clients, the time saved on administrative tasks is profound. The app explicitly avoids complex illustrations but delivers exactly what busy agents need: speed, clarity, and portability when brainstorming options early in the sales process. It respects its scope—offline estimates, not policy issuance—and uses that focus to excel.

FAQ Section

Q: How accurate are the premium estimates?

A: Premiums are projections based on standard assumptions. Final premiums vary by insurer medical underwriting, occupation, and lifestyle factors—always verify with your company’s illustration system before binding.

Q: Can I calculate premiums for complex products like ULIPs?

A: The app focuses on traditional endowment/whole life estimates using bonus rates. Complex product projections require insurer-approved software.

Q: Is client data stored in the app?

A: No personal client data is stored locally. Calculations can be performed anonymously, and shared PDFs only display entered inputs/outputs.

Q: How frequently are bonus rates updated?

A: Rate updates depend on the developer. Cross-check maturity estimates against current insurer brochures—treat results as directional guides, not guarantees.