Whole vs Term Life Insurance Calculator
Compare whole life and term insurance scenarios by premium, cash value, fees, tax drag, and stress case.
Korea-related planning note
This English page is a planning estimate. If the topic involves Korean taxes, pensions, insurance, loans, or public programs, confirm the current Korean rules, limits, and eligibility before acting.
Scenario inputs
Adjust the assumptions to compare gross value, cost drag, tax drag, and downside value.
Net ending value
$326,059
Gross value before drag
$402,158
Estimated tax
$5,784
Fee and tax drag
$76,099
Total contributions
$274,000
Net gain
$52,059
19%
Downside value
$244,545
Scenario readout
Stress case can fall below contributions
This comparison uses simplified assumptions so alternatives can be reviewed on the same after-cost basis.
Related calculators
- Insurance Portfolio OptimizerCompare insurance portfolio coverage, premium budget, fee drag, and stress-case protection value.
- Life Insurance Needs CalculatorEstimate life insurance coverage need from target protection, annual premium, fee drag, and stress assumptions.
- Insurance Coverage Gap CalculatorEstimate whether current insurance coverage leaves a financial gap after premiums, fees, and stress assumptions.
- Private Health Insurance CalculatorCompare private health insurance premium cost, expected benefit value, tax drag, and claim stress scenarios.
- FIRE Retirement Age CalculatorEstimate financial independence timing from assets, annual savings, return, cost drag, and downside scenario.
- Pension vs IRP CalculatorCompare retirement-account scenarios using contributions, tax relief, fees, return, and downside assumptions.