Your Policy Exposed

The math that decides everything

What is your policy actually costing you?

Enter your numbers. We'll show what the same coverage costs as term insurance, and what investing the difference could grow to. Even using the industry's own illustrated numbers, the gap is the story.

Your policy type

IULWhole lifeUniversal life

Monthly premium ($)

Coverage amount ($)

Your age

Years you've had the policy

Replacement term length

20-year term30-year term

Growth assumption

S&P 100-yr total return (10.34%)Inflation-adjusted (7.17%)Conservative (7.00%)

1Same $500,000 of protection as 30-year level term: ~$39/month — versus the $400 you pay now. That frees up $361/month.

2$361/month invested at 7.00% (conservative, dividends reinvested) grows to: $62,484in 10 years · $188,055in 20 · $440,410 in 30. Your policy credits the index without dividends— and dividends have been roughly a third of the market's total return for a century.

3The $14,400 you've already paid in over 3 years would be worth about $15,972if it had been invested instead. Here's the part most people don't know: some policyholders have recovered their premiums— when the insurer's file is missing the documents the law required. That's what we check for, free.

Educational estimates, not advice or a quote. Term rates assume a healthy non-smoker and are deliberately estimated on the high side; real quotes vary by health class and carrier. S&P 500 figures use the 100-year total return series with dividends reinvested; the real-return option is CPI-adjusted; past performance does not guarantee future results. Cash value, surrender charges and taxes affect any real comparison — that is exactly why we review the actual policy documents. Do not cancel or stop paying any policy based on this page. Whether any premium is recoverable depends entirely on your policy, your state, and your insurer's file; many policies have no claim.

Check if my premiums are recoverable →Watch how this works