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Access Cost Calculator

3 methods head-to-head.

Your situation

Current CV

Basis (premiums paid)

Amount needed

Death benefit

Años in policy

Marginal tax rate

Comparison

Policy Loan

$0

Tax immediate$0

Int 5%/yr—

DB reduced—

Policy status✓ Intact

Partial Withdrawal

$0

Tax-free—

Taxable—

Tax owed—

DB reduced—

Full Surrender

$0

Surrender charge—

Taxable gain—

Tax owed—

Policy✗ Cancelled

Best method

—

Notas: Consult CPA para specific implications.

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Reviewed by

Tayde Aburto · Founder & Editorial Lead

Last updated: August 2026

Notice: This content is strictly educational. It does not constitute personalized financial, tax, legal, or investment advice. For decisions specific to your situation, consult a licensed professional. Read our editorial policy.

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