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Chargeable gains calculator

The tool covers three methods of surrender: full bond surrender, partial surrender across all policies and full surrender of one or more individual policies.

You will need the:

  • start date of the bond
  • premiums that have been paid, including:
    • dates of premiums
    • amounts – net of initial adviser fees (commission is ignored)
  • number of individual policies (segments) at inception
  • current/latest surrender value
  • date of each previous individual policy (segment) surrender, as well as the number of policies surrendered on each occasion
  • date of all partial withdrawals, including:
    • adviser fees (but not commission)
    • regular withdrawals
    • ad hoc lump sums/partial withdrawals

Financial Adviser Verification