Term vs whole life comparison
Compare premiums and see what investing the difference between term and whole life could build.
$
$
20 yr
6.0%
Buy term, invest the difference
$127,061
Difference invested each month
$275
- Total term premiums
- $10,800
- Total whole-life premiums
- $76,800
- Amount you contributed
- $66,000
- Growth
- $61,061
Whole-life policies build cash value; compare this pot against the surrender value you are quoted.
How this is calculated
- · Ignores policy cash value guarantees
- · Premiums stay level
Estimates only — not financial, tax or legal advice.