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    Whole Life vs Term Life Comparison

    Model 'buy term and invest the rest' against a whole life policy over a set horizon.

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    $
    $
    $
    %
    Invest-the-difference advantage
    $313K/year
    Term + invest future value$394K
    Whole life cash value (est.)$81K
    Annual premium difference$3,900

    If you can earn the assumed return, buying term and investing the premium difference often outperforms whole life cash value growth. Whole life offers guarantees and lifelong coverage that this model does not capture.

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