Term vs. Whole Life
"Buy term, invest the difference" vs. a whole-life policy's projected cash value, at the same point in time.
Inputs
How this is calculated
The annual premium difference (whole life − term) is invested each year at your chosen return, compounding as a future value of an annuity-due. Compared directly against the insurer's projected cash value at the same year — this ignores life cover continuing past year N with term renewal/conversion costs, which a full plan should also account for.
Estimate
Invested value of the difference
HK$584,891
Whole life cash value
HK$280,000
Term + invest ahead by
HK$304,891
For information only. Not advice, recommendation, or solicitation. Data has not been independently verified — always verify directly with the authorised intermediary or fund provider before making decisions.