$300/Year Term vs $3,000/Year Whole Life: BTID Wins by $54K Over 20 Years at 7%
We ran a healthy 35-year-old's $500K term ($300/yr) against a comparable whole life policy ($3,000/yr) through the calculator — investing the $2,700/yr difference at 7% clears typical whole life cash value by over $54,000 in 20 years.