Whole Life Insurance Analyzer - Compare Whole Life vs Term and Invest | Embed

Current Age

Used to frame the projection horizon (e.g., age 65).

Analysis Horizon (years)

Compare outcomes over 20-30 years to mirror typical illustrations.

Whole Life Death Benefit

$50000$5000000

Whole Life Annual PremiumTotal annual premium paid into the whole life policy.

$500$50000

Policy Fees & Loads (% of premium)

Illustration often shows 30-50% going to fees in the early years.

Guaranteed Interest Rate

Guaranteed accumulation rate in the policy illustration.

Projected Dividend Rate

Non-guaranteed dividend rate used in the optimistic scenario.

Term Life Death Benefit

$50000$5000000

Term Life Annual PremiumLevel term premium for the same death benefit.

$100$5000

Term Length (years)

Term length that aligns with family protection needs.

Expected Investment Return

Average annual return for invest-the-difference scenario.

Investment Fees (expense ratio)

Subtract ongoing fund fees from the gross return.

Potential Surrender Year

Year you might cancel the policy and take the surrender value.

Surrender Charge (%)

Percentage haircut applied if you surrender before break-even.

Policy Loan AmountCash borrowed against the policy's cash value.

$0$250000

Policy Loan Interest Rate

Typical policy loan rates range from 5-8%.

Loan Duration (years)

How long the policy loan remains outstanding.

Total Whole Life Premiums Paid

$0.00

Premium Reaching Cash Value Each Year

$0.00

Guaranteed Cash Value (No Dividends)

$0.00

Projected Cash Value with Dividends

$0.00

Age at Analysis Horizon

Net Value If Policy Held (Cash Value − Premiums)

$0.00

Death Benefit Minus Premiums Paid

$0.00

Amount Invested Instead of Whole Life

$0.00

Net Investment Return (After Fees)

0.0%

Investment Account at Horizon

$0.00

Total Term Premiums Paid

$0.00

Net Value If You Outlive the Term

$0.00

Family Benefit If Death During Term

$0.00

Death Benefit Advantage (Term vs Whole)

$0.00

Living Benefit Advantage (Invest vs Cash Value)

$0.00

Estimated Break-Even Year

0.0

Approximate Whole Life IRR

0.0%

Projected Cash Value at Surrender Year

$0.00

Estimated Surrender Charge

$0.00

Cash Received If You Surrender

$0.00

Gain/Loss vs Premiums Paid at Surrender

$0.00

Policy Loan Interest Cost

$0.00

Lost Dividends on Borrowed Amount

$0.00

Total Cost of Borrowing Against Policy

$0.00

Death Benefit After Outstanding Loan

$0.00

Whole Life vs Term + Invest Outcomes

Whole Life Cash Value$0.00

Invest the Difference Value$0.00

Whole Life Premiums Paid$0.00

Term Premiums Paid$0.00

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