Make your monthly commitment count

Protect today.
Build for tomorrow.

Explore how one monthly commitment can fund term life insurance and a long-term investment plan.

01Pay Yourself First

Start with the amount you can commit each month.

Monthly commitment ($)Your total monthly budget for insurance and investing.

02Income Protection / Term Insurance Coverage

Estimate each person's income protection target, then enter their quoted coverage and premium.

Your income protection

Monthly Income to be replaced ($)

Annual income · monthly × 12$0

Coverage needed · 10× annual income$0

Monthly income × 12 × 10

Your coverage amount ($)

Length of term (years)

Your monthly premium ($)

Include spouse

Spouse income protection

Spouse Monthly Income to be replaced ($)

Annual income · monthly × 12$0

Coverage needed · 10× annual income$0

Monthly income × 12 × 10

Spouse coverage amount ($)

Spouse term length (years)

Spouse monthly premium ($)

Check Include spouse to enable these inputs. Term length is shared: editing either term updates both policies.

The 10× annual income figure is a starting estimate, not a determination that coverage is sufficient for every household. Debts, dependents, existing assets and other needs may change the amount.

Total monthly insurance premiums

Total premiums over years

03Invest the Difference

Combine an initial balance with the rest of your monthly commitment.

Initial investment / rollover amount ($)Invested at the start of the projection. Included once, separately from monthly contributions. This is a balance illustration, not a recommendation to roll over an account.

Monthly difference to invest ($)Automatically calculated: commitment minus total monthly insurance premiums.

Assumed annual return (%)Editable illustration for an S&P 500-style investment; not a historical average or forecast.

Monthly investment needed to match total premiums by year

This target is the investment balance, including your initial balance and contributions. It does not mean the insurer refunds premiums or that investment gains alone repay them.

04 / Your complete overview

Projected accumulated investment value

At the end of years

Initial investment / rollover

Monthly contributions over term

Total invested, including initial balance

Projected growth

Monthly investment

Total term premiums

TERM LIFE COVERAGE DURING THE TERM

Death benefit is conditional on an in-force policy and its terms. It is separate from accumulated investment value. Term coverage generally ends at expiration; this illustration assumes no cash value.

Your money over time

Projected investmentInitial balance + contributions

Year	Invested	Projected value

The impact of your return

Saving vs. investing

Same starting balance. Same monthly amount. See the projected difference after years.

Bank savings0.1% assumed annual rate

Interest earned:

Money market account3% assumed annual rate

Interest earned:

Investment projection% assumed annual return

Projected growth:

Potential growth difference

Compared with bank savings

Compared with a money market account

Uses your initial investment / rollover and monthly investment difference for the full term. The dollar gap is hypothetical opportunity cost, not money already lost. Rates are illustrative assumptions you requested, not current account quotes. Bank and money market account rates may change. Investment returns vary and losses are possible; these choices have different risks and liquidity. A money market account is distinct from a money market mutual fund. Taxes, fees and inflation are excluded.

Calculation assumptions & sources

Starts with the entered initial investment or rollover balance, compounded for the full term. Contributions occur at month end. Annual effective return is converted to a monthly rate: r = (1 + annual return)^(1/12) − 1. For n months, future value = initial balance × (1+r)^n + monthly contribution × ((1+r)^n − 1) / r; at 0%, it equals initial balance plus contributions. Required monthly investment = max(0, total term premiums − projected future value of initial balance) divided by the same growth factor. The premium-matching target is part of the monthly difference, not an additional contribution. Premiums stay constant throughout the term. When spouse coverage is included, both policies use the same term length. Their monthly premiums and coverage amounts are added; each death benefit applies to its respective insured person.

Projections assume a constant return and reinvested earnings. They exclude taxes, fees and inflation. Actual investment returns vary and losses are possible; past performance does not guarantee future results. The S&P 500 is an index and cannot be invested in directly. No current or historical S&P 500 data is used.

Income protection estimate = monthly income × 12 × 10, calculated independently for each spouse. Selected coverage is entered separately and is not automatically changed by the estimate.