Find out whether this policy actually beats buying term and investing.
Enter your illustration details, then generate a full comparison with a larger chart, clearer takeaways, and print-ready results.
Comparison inputs
Thorough comparison
Current read
After you generate results, this section will summarize the difference in plain English.
Projection chart
Quick takeaways
- Generate results to see the comparison notes.
| Metric | BTID strategy | Policy strategy | Difference |
|---|---|---|---|
| Liquid value | $0 | $0 | $0 |
| Death benefit at end | $0 | $0 | Variable |
| Total estimated fees | $0 | $0 | $0 |
| Estimated after-tax accessible value | $0 | $0 | $0 |
About the math
This calculator compares a cash value policy illustration against a buy-term-and-invest-the-difference path using the inputs you provide.
For the policy side, enter the guaranteed and illustrated cash values shown in the ledger. For the comparison side, the tool estimates what the same budget could produce after term insurance costs, investment return assumptions, fees, taxes, and any employer match you include.
The purpose is not to reproduce a carrier illustration line by line. It is to make the tradeoffs easier to understand in one place.
How to use a real illustration
Open the policy ledger and copy the guaranteed and illustrated cash values for the matching years.
Use the same premium, death benefit, and timeline shown in the illustration so the comparison stays aligned.
Then generate results to compare the policy path against a term-plus-investing alternative under your selected return and fee assumptions.
FAQ
This calculator is for education only and does not provide personal financial, legal, or tax advice.
It simplifies real-world policy mechanics, so it should be used to review and pressure-test an illustration, not to replace a full policy analysis.
Before making a decision, review the actual illustration and policy language with a qualified professional.