{"id":"surrender","checkedOn":"2026-10-12","paths":["/calculators/surrender-break-even/","/zh-hant/calculators/surrender-break-even/","/zh-hans/calculators/surrender-break-even/"],"execution":"browser-only; no calculation endpoint; no input values in analytics","notice":"Illustration only, not advice.","role":"Unlicensed referrer; general information and introductions only","assumptions":"Enter year-end values from your own illustration. Premiums are paid at each year's start for the chosen payment term.","inputSchema":{"type":"object","additionalProperties":false,"required":["annualPremium","yearsPaid","years"],"properties":{"annualPremium":{"type":"number","description":"Premium paid per year"},"yearsPaid":{"type":"number","description":"Premium payment years"},"years":{"type":"number","description":"Years to show"},"guaranteed":{"type":"array","description":"Guaranteed surrender value","items":{"type":["number","null"],"minimum":0}},"nonGuaranteed":{"type":"array","description":"Non-guaranteed surrender value","items":{"type":["number","null"],"minimum":0}}}},"inputEncoding":"JSON values","exampleInput":{"annualPremium":10000,"yearsPaid":3,"years":6,"guaranteed":[1000,7000,16000,22000,27000,31000],"nonGuaranteed":[0,1000,3000,5000,7000,9000]},"output":{"rows":"Year, premiums, nonGuaranteed, scenario values at 0/50/80/100%; null is unknown","breakEven":"First break-even year per scenario or null"},"exampleOutput":{"rows":[{"year":1,"nonGuaranteed":0,"premiums":10000,"values":[1000,1000,1000,1000]},{"year":2,"nonGuaranteed":1000,"premiums":20000,"values":[7000,7500,7800,8000]},{"year":3,"nonGuaranteed":3000,"premiums":30000,"values":[16000,17500,18400,19000]},{"year":4,"nonGuaranteed":5000,"premiums":30000,"values":[22000,24500,26000,27000]},{"year":5,"nonGuaranteed":7000,"premiums":30000,"values":[27000,30500,32600,34000]},{"year":6,"nonGuaranteed":9000,"premiums":30000,"values":[31000,35500,38200,40000]}],"breakEven":[6,5,5,5]},"sources":[]}