Tool 06 · Compare
Term life plus investing
versus unit link
Two ways to combine protection and savings.
- 3 min
- Nothing is stored
- Results downloadable as PDF
1You and your cover
2Budget and assumptions
Your result
+Rp 68 m
Difference at end of term
Rp 120.000
Estimated term cost
Rp 2.880.000
Invest the difference
Rp 540 m
Total premiums paid
An educational estimate, not financial advice.
Result details
Plain-language verdict
On these assumptions, buying term cover and investing the difference leaves you with more at the end of the term.
Estimated term cost
Rp 120.000
Per month, rough estimate only
Invest the difference
Rp 2.880.000
Left over each month after term cover
Term + invest fund
Rp 913 m
After 15 years at 7%
Unit-link fund
Rp 844 m
After 15 years, simplified model
Total premiums paid
Rp 540 m
Rp 3.000.000 × 180 months for the unit-link option
Why it's calculated this way
Move the sliders to see which structure fits your budget, your discipline, and how long you plan to hold the product.
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Simplified illustration only. Actual term premiums, unit-link charges and fund values depend on the specific product, age, health and charges. Not financial advice or a quote.