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Term vs Whole Life Calculator

Side-by-side cost + cash value comparison over 20-30 years.

Current Age

Coverage Amount

Time Horizon (years)

Investment Return % (term route)

After 20 years — Term + Invest the Difference wins by

$10,839

Term annual$33

Whole life annual$390

Term-route invested FV$15,519

Whole life cash value typically lags 'buy term + invest the difference' by 30-60% over 20 years. Numbers approximate; actual rates vary by carrier and health.