Embedded value

{
  "id": "MLC-T-INS-001279",
  "term": "Embedded value",
  "field": "Insurance and risk management",
  "definition": "A measure of the value of a life insurance company, calculated as the sum of its adjusted net worth and the present value of future profits from its in-force business. This metric provides an assessment of shareholder value, reflecting both current assets and the expected profitability of existing policies. It is a key financial indicator for publicly traded life insurers.",
  "url": "https://mlchart.com/terminology/insurance/embedded-value/"
}