Guaranteed Whole of Life value calculator

Our value calculator is designed to strengthen your Whole of Life conversations and make it easier to recommend Royal London to your clients.

By entering some basic information, you can quickly demonstrate the value of taking out a Whole of Life policy and paying the premiums versus saving those premiums in a bank account earning the chosen rate of interest.

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Before you start using the tool, it’s important to note:

  • Interest rates can be chosen between 0% and 4% and is the annual equivalent rate on a bank account.
  • The calculator should only be used for policies with guaranteed rates, it must not be used for policies with reviewable rates.
  • The calculation is based upon the data provided. The accuracy of the data is the responsibility of the adviser.
  • This calculator is illustrative, and the figures produced aren’t guaranteed. Royal London does not accept responsibility for decisions made as a result of using this calculator.
  • Any recommendations made after using this calculator are the adviser's responsibility.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.