Insurance bundled with investing hides a 4–6% return — see the IRR, then compare buying term and investing the rest.
Compare buying cheap term insurance and investing the premium gap against a bundled cash-value/endowment policy.
The true annualised return (IRR) of a traditional endowment/savings policy — premiums in, maturity out.
Compare a ULIP's net-of-charges corpus against buying term cover and investing the rest in a mutual fund.
The real IRR of a money-back plan, where you get periodic survival payouts plus a final maturity amount.
Estimate the guaranteed surrender value of a traditional policy from premiums paid and the GSV factor.
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