Investment-Linked Plan vs Term + Investment Calculator

Your Inputs

Simple assumptions you can override anytime.

Step 1 · Enter details

Age (years)

Total annual premium you pay for this policy (₹ / any currency)

Policy / investment term (years)

Life cover / Sum assured (you can edit)

Tip: Many advisors suggest 10–15× annual income. You can also use 10× premium as a rough starting point.

Risk profile for investment (sets default return assumptions)

Portion of investment-linked premium actually invested (after insurance & charges)

% of total premium Fixed amount invested per year

Example: 85% means ₹85000 is invested if premium is 100000.

If you roughly know the actual amount invested each year, put it here.

Expected return from investment-linked plan (% per year)

Expected return from separate investment (% per year)

Annual premium for pure term plan (same life cover)

You can use this estimate or overwrite it with a quote from any term insurance calculator.

All calculations are estimates using constant growth assumptions. Real returns, costs and insurance charges will differ.

Comparison Result

Same yearly outgo, similar cover – which choice may build more wealth?

Step 2 · See result

Key metrics

Metric

Investment-Linked Plan
Insurance + investment

Term + Investment
Pure term & SIP

Amount invested per year

–

After insurance & charges

–

After term premium

Expected maturity corpus

–

At end of policy term

–

If you invest the difference

Life cover / death benefit

–

Sum assured / minimum cover

–

Term plan sum assured

Flexibility & Liquidity

Investment-Linked Plan: Lower flexibility. Exits or changes may involve surrender charges or reduced benefits.

Term + Investment: Higher flexibility. You can adjust or stop investments; insurance is pure risk cover.

Risk & Behaviour

Investment-Linked Plan: Acts like forced savings, but returns depend on charges, bonuses and policy type.

Term + Investment: Requires discipline to keep investing regularly, but can be more transparent and liquid.

💡 Run a calculation to see which path may build more corpus.

Use the same total premium and similar life cover to compare an investment-linked insurance plan with a simple term plan plus separate investment.

Visual comparison

Corpus comparison

Growth over time

Investment-Linked Plan (ULIP or Endowment) vs Term Insurance + Investment

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