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Whole Life Calculator

Returns on whole life policy vs. inflation calculator Do the returns on my whole life policy beat inflation?

     This is about that whole life policy you bought; part of the estate you want to leave to your family when you move on. It is quite a sum. And it will be a beautiful reminder of what you can do for your family even when you are gone. But, consider this - what if the returns on your whole life policy do not beat inflation in the long term? It would mean that the maturity amount paid out to your near and dear ones would see erosion in value. The effort you put in to pay the premiums and the total premium amount you paid would have not given the kind of value that you were hoping to. Now what?

     Let's say you have this thing...this tool that gives you the definitive answer to whether the returns on your whole life policy will beat inflation or not...

What if this tool took in your age, your sum assured your mode of paying premiums (monthly, quarterly, semi-annually, annually), annual premium amount, and policy term, and showed you via a simple bar chart that your whole life policy does indeed beat inflation long-term (Or not, as the case may be)? What if you are given the freedom (via a couple of cool-looking sliders) to adjust inflation rates as well as projected annual bonuses on your policy, so that you can actually judge the exact point up to which your whole life policy can be a wealth creator, beating inflation?

     What if this tool has an age bracket (12-85 years) that takes in the lowest and highest ages for which there is insurance cover, across insurers? Welcome to the returns on whole life policy vs. inflation calculator!


Happy calculating!

Note: All calculators and comparators are made based on certain assumptions which may not be true in your case. You should consult your personal financial advisor before taking any decision. Apnaloan disclaims any responsibility for any decision taken based on these calculators and comparators.