Cash value accumulation (FV) API

Project a permanent-policy cash value as the future value of net level premiums (premium net of cost-of-insurance) compounded at a crediting rate — the level-premium accumulation method — with total premiums paid and net gain. Deterministic FV math. Answers 'project whole-life cash value', 'cash value accumulation', 'future value of level premiums', 'how much cash value after 20 years'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-cash-value-accumulation

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancecash-valuewhole-lifeaccumulationfuture-valueactuarialpermanent

API URLhttps://x402.hexl.dev/v1/calc/ins-cash-value-accumulation

Integration docs

Example request

{
  "annualPremium": 5000,
  "creditingRate": 0.04,
  "years": 20,
  "costOfInsuranceRate": 0.1
}

Example response

{
  "method": "level-premium cash-value accumulation (FV)",
  "projectedCashValue": 139361.41,
  "totalPremiumsPaid": 100000,
  "netGain": 39361.41,
  "netAnnualPremium": 4500,
  "years": 20,
  "assumptions": {
    "creditingRate": 0.04,
    "costOfInsuranceRate": 0.1
  }
}

Input schema

{
  "type": "object",
  "required": [
    "annualPremium",
    "years"
  ],
  "properties": {
    "annualPremium": {
      "type": "number",
      "examples": [
        5000
      ]
    },
    "creditingRate": {
      "type": "number",
      "examples": [
        0.04
      ],
      "description": "default 0.04"
    },
    "years": {
      "type": "number",
      "examples": [
        20
      ]
    },
    "costOfInsuranceRate": {
      "type": "number",
      "examples": [
        0.1
      ],
      "description": "fraction of premium, default 0.1"
    },
    "initialValue": {
      "type": "number",
      "examples": [
        0
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}