Risikolebens-vs-Kapitallebensversicherungsrechner — Formel

Buy Term and Invest the Difference

This strategy compares two approaches:

1. Whole life: Higher premiums that build cash value inside the policy 2. Term + invest: Lower premiums, invest the savings in the market

Formula for Invested Savings

FV = Monthly Savings x [(1+r)^n - 1] / r

Where r is the monthly investment return and n is total months.

Considerations

  • Whole life guarantees cash value; investments carry market risk
  • Whole life has tax advantages on cash value growth
  • Term life expires; whole life is permanent

    • Lösungsbeispiel

    $40/month term vs $350/month whole life over 20 years at 7% return.

    1. Monthly savings = $350 - $40 = $310
    2. Total term premiums = $40 x 240 = $9,600
    3. Total whole life premiums = $350 x 240 = $84,000
    4. Invested at 7% for 20 years = $310 x [(1.00583)^240 - 1] / 0.00583 = ~$161,400