A year-by-year picture
One line for each year, from year 0 to year 50. The left figure is what is paid that year; the right figure is what the illustration shows coming in.
Plan illustration
Curious how the numbers come together?
This little app lays a plan out one year at a time: what is paid, when the paying stops, and what the illustration shows coming back. Pick an example, move a slider, and watch the shape of the plan change.
Open the illustration Works on your phone. You can add it to your home screen.
Before you start
What you are looking at, in plain words.
The plan has two parts that sit side by side. Life insurance looks after protection, so the family is covered. Mutual funds look after growth, money left to work over the long run. The illustration puts both on one timeline so you can see how they meet.
A quote or a promise
It is not a premium quote, a guaranteed return or a contract. Real figures depend on the policy terms and on the funds, and mutual funds are subject to market risk.
Real worked examples
The figures follow worked examples prepared around ages 30 and 32. Move away from those ages and the sheet blends the examples to show how the plan changes shape.
Small, or short
A premium can be kept very small, or paid over a short period and then stop. In this illustration the payments run for 12 years, and after that nothing more is due.
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Read the result
Illustration only. Not a guaranteed return, a premium quote or a contract. Life insurance benefits depend on the terms of the policy; mutual funds are subject to market risk. To talk through real figures, get in touch with Anil.
Contact
Get in touch
Stuck on a line of the sheet? Ask Anil.
There is no rush. Send a WhatsApp message or an email whenever it suits you. If your question is about a life insurance policy you already hold, the advice is free.