1
Pass Away Between the ages of 0 and 0
$0
Life insurance death benefit coverage
Primary: $0
Spouse: $0
Spouse: $0
Each policy pays upon the death of its insured. The total represents the selected policies.
Protection today. Possibilities tomorrow.
Proper Plan Calculator
See how term life coverage and consistent investing work together for your family.
Buy term & invest the difference10.5% assumed annual returnMonthly reinvestment
STEP 1
Protect what mattersLife Insurance/Income Protection
Primary insured
$
Enter thousands: 300 = $300,000
$/ mo
Spouse insured
$
Enter thousands: 300 = $300,000
$/ mo
Total life insurance coverage$0
Total monthly premiums$0
STEP 2
Investment Account
Build Your Future$/ month
10.5%Assumed annual return
Reinvested monthly
Reinvested monthly
Start at $0. A positive contribution below $30 adjusts to $30 when you finish entering it.
Minimum to match
total out of pocket$0 / month
total out of pocket$0 / month
Minimum to match
primary coverage amount$0 / month
primary coverage amount$0 / month
$0Life Insurance
+$0Investments
=$0Total Monthly
Contributions
×Contributions
12Months
=$0Amount Per Year
$0Total Yearly
×0Duration of Plan
(Selected Term)
=(Selected Term)
$0Total Out of Pocket
3 Possible Scenarios
During your 0-year plan
2
Terminal Illness
$0
Illustrative benefit · 70% of each policy's coverage
Primary: $0
Spouse: $0
Spouse: $0
Each insured must qualify separately. Benefits are subject to policy terms.
3
Still Living by the Age of 0
$0
At 10.5% annually
$0
At 12% annually
Bank · 0.01% annually$0
Money Market · 3.5% annually$0
Projected investment value with reinvested returns.
$0 contributed over 0 years.
Calculation method, benefits & assumptions
Calculates as you type · Projection: Illustrative index fund model using a 10.5% annual total return assumption, modeled at 0.875% per month. All modeled returns stay invested, and contributions are added at the end of each month. Total return includes price changes and reinvested dividends; dividends are not added again on top of the assumed return. Reinvesting returns produces compound growth. Scenario 3 also shows a 12% annual return comparison modeled at 1% per month, with the same month-end contributions and term. Bank (0.01%) and Money Market (3.5%) comparisons use illustrative fixed annual rates, modeled monthly with the same month-end contributions and term. These rates are assumptions, not current account offers. Actual fund returns and distribution dates vary. Both policies use the selected term. Combined benefits represent two separate policies, not a single payout for one insured event. Total out of pocket equals total monthly insurance premiums plus monthly investment contributions, multiplied by 12 and by the selected term in years. Contributed principal includes monthly investment contributions only. Monthly investments are added at month-end. Illustration only; returns are not guaranteed. Taxes, fees and inflation are excluded. Insurance benefits depend on policy terms, eligibility and approval; accelerated benefits may reduce the death benefit. Roth IRA eligibility and contribution limits apply.Minimum contribution calculations: Total out of pocket: Covers policy premiums and monthly investment contributions over the selected term. Coverage amount: Reaches $0 of primary coverage over the selected term. Based on 10.5% annually, reinvested monthly, with contributions at month-end. Rounded up to whole dollars; $30 minimum for positive monthly contributions. Illustrative returns are not guaranteed.