Term Insurance vs VUL Comparison
Compare the long-term cost and growth potential of Term Insurance versus a VUL / Investment-Linked Policy with the same coverage amount.
Policy Details
Used for the strategy of buying Term Insurance and investing the premium difference separately.
Comparison After {{ years }} Years
Total Term Premiums Paid
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Total VUL Premiums Paid
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Est. VUL Cash Value
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"Term + Invest" Portfolio Value
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Both strategies provide the same death benefit (coverage amount). Term Insurance has lower premiums, with the difference available to invest separately. A VUL / Investment-Linked Policy bundles insurance and investment into one premium, with returns that depend on the fund's actual performance. Actual results vary — these are simplified projections, not guarantees.
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