Finance

Whole Life Insurance Calculator

Built by Kevin Glover · @gloverbuilds · Verified formula

Compare whole life vs term + invest the difference. Cash value projection. Free calculator.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

How to Use This Calculator
Tips for Best Results

Vergleich

RLV 200.000 €: 8-15 €/Monat. KLV gleiche Deckung: 150-300 €/Monat — 10× teurer. Sparanteil KLV: 1-2% Rendite. ETF: 7-8%. RLV + ETF-Sparplan schlaegt KLV IMMER.

Empfehlung

RLV fuer 95%+ der Familien. Differenz in ETF investieren.

⚡ CalcWolf Insight

Dave Ramsey and Suze Orman both recommend term over whole life for 95%+ of families. The exception: high-net-worth estate planning using irrevocable life insurance trusts — irrelevant to most households.

Frequently asked questions

RLV oder KLV?▾

RLV + ETF ist IMMER besser. KLV hat schlechte Rendite bei hohen Kosten.

Kosten RLV?▾

200.000 €, 35 Jahre: 8-15 €/Monat.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →