Policy Premium Estimator
Get a rough estimate of what's possible with a properly designed whole life policy. Understand the trade-offs before your consultation.
Your Profile
$2,000/month
Your Estimated Policy
Preliminary estimates based on your inputs
Loan capacity at Year 10: $184,680
Cash value growth rate over 20+ years
Important
These are rough estimates only. Actual policy values depend on carrier, policy design, and underwriting. Request a custom illustration for accurate numbers.
Whole Life vs. “Buy Term and Invest the Difference”
Whole Life (This Estimate)
- +Guaranteed cash value growth
- +Tax-advantaged access via loans
- +Permanent death benefit
- +Creditor protection (varies by state)
- +Uninterrupted compounding
Term + Invest Difference
- ~Market-dependent returns
- ~Taxable withdrawals
- −Coverage expires at term end
- −No creditor protection
- −Requires discipline to actually invest
Term cost for same death benefit: ~$3,600/yr
The “right” choice depends on your goals, discipline, and need for liquidity. IBC practitioners prioritize the banking function over pure investment returns.
Understanding the Estimates
Why Age Matters
Younger applicants get more death benefit per dollar because they're statistically lower risk. But the real power of IBC comes from time—more years means more compounding.
Why Health Rating Matters
Better health means lower insurance costs, which means more of your premium goes toward cash value. But don't let imperfect health stop you—even standard rates work for IBC.
Policy Design Flexibility
A properly designed IBC policy maximizes cash value through paid-up addition riders. The base policy provides the death benefit; the PUA rider supercharges cash value growth.
Ready for a Custom Illustration?
These estimates give you a starting point. For actual numbers based on your health, carrier options, and specific goals, let's have a conversation.
Request Custom IllustrationNo obligation. No pressure. Just real numbers for your situation.