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Term vs Whole Life Insurance Calculator
Enter both premiums and the policy’s projected cash value to see whether “buy term and invest the difference” wins.
Term vs Whole Life Insurance Calculator
Policy’s effective return (IRR)
2.67% a year
Yearly difference invested
$5,400
Total premiums (policy)
$120,000
Total premiums (term)
$12,000
Both options give similar death cover during the term (check the sum assured). The comparison assumes you really invest the difference every year. Endowment/ULIP returns in India are typically 4–6% IRR — check your benefit illustration. Not financial advice.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
How it works
Estimates built on public formulas and published limits — not a quote and not financial advice. Premiums depend on the insurer’s underwriting.