Premium comparison
Term vs whole life, in real numbers.
Illustrative monthly premiums for a healthy non-smoker. Change the inputs to see how the term-vs-permanent gap shifts.
| Coverage type | What it does | Est. monthly |
|---|---|---|
| 10-year termLevel for 10 years | Temporary, most cover per dollar | $75.87/mo |
| 20-year termLevel for 20 years | Temporary, most cover per dollar | $110/mo |
| 30-year termLevel for 30 years | Temporary, most cover per dollar | $166/mo |
| Whole lifeLifelong + cash value | Never expires; builds value | $724/mo |
Illustrative estimates for a healthy non-smoker, drawn from comparative rate data — not an offer. Final premiums are set by the insurer after underwriting. No “lowest rate” claim is made; figures shown for comparison only.