Estimate the key financial tradeoff behind whole life insurance using your own assumptions. This calculator shows the main result, supporting amounts, and a clear interpretation so you can compare coverage or policy choices. Results are planning estimates only; policy definitions, exclusions, underwriting, taxes, benefit offsets, and actual claims can change the outcome.
The main result summarizes the selected whole life insurance scenario. Supporting results expose the amounts behind it so you can see which assumption drives the answer.
Insurance contracts vary. This educational estimate is not insurance, legal, tax, medical, or financial advice and does not replace a policy illustration or professional review.
At 1% annually over 20 years, cumulative probability is 18.21%. A $150,000 funding gap produces a $27,314 probability-weighted gap.
Use values from the policy illustration or quote and a probability or cost assumption you can document. Test more than one scenario.
No. It is a mathematical scenario estimate, not a prediction, guarantee, or eligibility decision.
Use after-tax or before-tax values consistently. Ask a qualified adviser how benefits and premiums are treated in your situation.
Use the same time period and assumptions, then separately compare exclusions, definitions, riders, financial strength, and benefit limits.
Yes. Enter them where provided and review the contract because their treatment varies by policy.
| Output | Meaning |
|---|---|
| Cumulative loss probability | Calculated from the assumptions entered above |
| Unfunded amount | Calculated from the assumptions entered above |
| Probability-weighted gap | Calculated from the assumptions entered above |