Life Insurance Rationalizer
Audit your existing insurance portfolio to identify underperforming policies and high-cost traps.
Quick Summary: Life Insurance Rationalizer
Rationalizing your insurance in FY 2026-27 involves weeding out low-yield endowment plans (4-5% IRR) and replacing them with pure term plans (100x leverage) and high-growth equity SIPs. Our tool identifies these traps and calculates the cost of continuing vs surrendering.
How to use the Life Insurance Rationalizer
- 1
Enter All Policies
Input the sum assured, annual premium, and type of all current life insurance plans.
- 2
Check Protection Gap
Calculate the total cover against the 15x annual income benchmark.
- 3
Analyze Policy Yield
Find the Internal Rate of Return (IRR) for each traditional plan in your portfolio.
- 4
Identify Optimization
Pinpoint high-cost, low-yield policies that should be surrendered or converted to paid-up.
Related Calculators
Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.