定期寿险与终身寿险比较器
比较定期寿险和终身寿险的保费、保障范围和现金价值差异，帮助您根据需求选择最合适的寿险产品。
Monthly Savings (Buy Term)
$310
Monthly Savings (Buy Term) vs Term Life Monthly Premium
公式
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
计算示例
$40/month term vs $350/month whole life over 20 years at 7% return.
- 01Monthly savings = $350 - $40 = $310
- 02Total term premiums = $40 x 240 = $9,600
- 03Total whole life premiums = $350 x 240 = $84,000
- 04Invested at 7% for 20 years = $310 x [(1.00583)^240 - 1] / 0.00583 = ~$161,400
常见问题
Is term or whole life better?
For most people, term life is more cost-effective. The "buy term and invest the difference" strategy typically produces more wealth over time. Whole life may benefit those in specific estate planning or tax situations.
What happens when term life expires?
When your term expires, coverage ends. If you still need insurance, you may be able to renew at a much higher rate or convert to a permanent policy. Many people no longer need coverage by then.
Does whole life build cash value?
Yes, but slowly. Whole life premiums are split between insurance cost and cash value. The cash value grows tax-deferred but typically earns 1-4% -- much less than market returns.
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