Calculates the present value of a life insurance payout that is delayed by a specified number of.
Formula
const enteredAmount = Math.max(0, Number(inputs.enteredPayoutAmount || 0)); const delayMonths = Math.max(0, Number(inputs.enteredDelayMonths || 0)); const discountRate = Math.max(-99.99, Number(inputs.annualDiscountRate || 0)) / 100; const enteredDelayYears = Math.round((delayMonths / 12) * 100) / 100; const modeledPresentValue = Math.round((enteredAmount / Math.pow(1 + discountRate, delayMonths / 12)) * 100) / 100; const timingValueDifference = Math.round((enteredAmount - modeledPresentValue) * 100) / 100; return { enteredDelayYears, modeledPresentValue, timingValueDifference };Entered Payout Amount ($)
500,000
Entered Payout Delay (Months)
6
Entered Annual Discount Rate (%)
5
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With the default inputs, discounting an entered $500,000 payout delayed by 6 months at an entered 5% annual rate produces a modeled present value of $487,950.04. The timing value difference is $12,049.96.
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The estimate combines Entered Payout Amount ($), Entered Payout Delay (Months), Entered Annual Discount Rate (%) and returns Entered Delay, Modeled Present Value, Timing Value Difference.
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This calculator provides coverage estimates based on the inputs provided. It does not constitute insurance advice, a policy quote, or a binding offer. Coverage terms, exclusions, and premiums vary by carrier and jurisdiction. Consult a licensed insurance agent or broker.
Reviewed by the CalculateThis.ai editorial team. Updates: check back for latest parameters. Tools are for estimation only — verify with current provider terms.