Variable Insurance Expense Yield Calculator

Estimate variable insurance investment value after expense ratios, tax drag, fees, and downside scenario.

Variable insurance expense and effective-yield calculator

Estimate Korean variable insurance surrender value after acquisition expense, maintenance expense, risk premium, fund fee, guarantee fee, and direct-investment comparison.

Account value

₩164,129,392

Surrender value

₩164,129,392

Total expense

₩7,740,000

6.5%

Effective yield

3.0%

Yield gap

2.0%

Direct-investment gap

-₩34,922,674

Uses calculateVariableInsurance with Korean fee layers, effective yield, surrender ratio, direct fund or ETF comparison, break-even year, and tax-free eligibility checks. This English finance calculator calls the same Korean pure calculation module as the Korean page. KRW, Korean statutory thresholds, tax rates, and product rules are preserved instead of the old generic percentage stub.

Related calculators

Variable insurance expense and yield guide

This English guide translates the Korean variable insurance expense-yield page. The calculator calls calculateVariableInsurance, preserving fee layers, surrender value, direct investment comparison, and tax-free test.

Expenses inside variable insurance

The Korean model separates acquisition expense, maintenance expense, risk premium, fund fee, and guarantee fee. These charges explain why the effective yield can be lower than the illustrated return shown in sales materials.

The result reports total paid, account value, surrender value, surrender ratio, total expense, expense ratio, expected return, effective yield, and yield gap.

Direct investment comparison

The page compares variable insurance with a direct vehicle such as pension fund, regular fund, or ETF. The direct-investment result is useful because the same market return can produce a different ending value after expenses and tax.

The Korean calculator keeps a direct-tax toggle. That lets the user compare tax-free insurance assumptions against a taxed direct investment, or compare both before direct tax when appropriate.

Tax-free eligibility and break-even

Tax-free eligibility depends on Korean insurance rules such as holding period, premium limits, and product structure. The tax-free eligibility result includes tax-free reason text so the user can see why the scenario qualifies or fails.

Break-even year and recovery year help show whether the product is mainly a long-horizon vehicle. A short holding period can make acquisition expense dominate the outcome even when the illustrated return is attractive.