What is my return on a universal life policy? Policy amount $   Current age     Years you have owned policy     Years until your death     Your state + federal tax rate   % Monthly premiums Years premium paid Lump sum premiums Year lump sum due $       $       $       $       $       $       Your policy's cash value Current cash value $   Average interest you will earn   % Years until you cash out     Surrender charge   % Your fees Upfront fees $   Portion of premiums applied to fees   % Monthly fees $   Or Yearly insurance charge (percent of policy amount)   % Or Yearly insurance fee (percent of cash value)   % Your death benefit Receive policy amount only Receive the cash value also