Skip to content
Families
Business
Wealth & Legacy
Learn
Founding Partner
ES
EN
Book Coaching →
Home
/
Insurance
/
Lesson 7
/
UL vs Term+Invest
UL
vs
Term + Invest
Comparación honesta de 30 años.
Your scenario
Current age
Death benefit ($)
UL premium anual
Term premium anual
Investment return
5% (conservative)
7% (S&P 500 avg)
10% (aggressive)
UL crediting rate
3% (min)
4% (current)
5% (optimistic)
Compare 30 years
Result at year 30
Estrategia 1: UL
Cash value + DB combined
Total premiums
—
Cash value year 30
—
Fees + COI
—
DB disponible
—
Net wealth año 30
—
Strategy 2: Term + Invest
Term life + diff invested
Term premium 30 años
—
Diff invertida/año
—
Portfolio año 30
—
DB años 1-30
—
Net wealth año 30
—
Cumulative difference
—
Considerations:
Term expira año 30. Para 95% familias, term+invest gana.
Back to lesson
Print