Whole Life Insurance Cost Calculator
Last updated: July 2026
Estimate whole life insurance premiums and a simplified projected cash value using editable premium and accumulation assumptions.
Estimated monthly whole life premium
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- Estimated annual premium: —
- Total premiums over projection: —
- Simplified projected cash value: —
- Coverage amount: —
On this page
Quick summary: Estimate whole life insurance premiums and a simplified projected cash value using editable premium and accumulation assumptions. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate whole life insurance premiums and a simplified projected cash value using editable premium and accumulation assumptions. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
The premium estimate uses coverage and an entered rate per $1,000. The simplified cash-value projection treats a selected premium share as an annual contribution growing at the entered rate.
Important limitations
Whole life policies include guarantees, expenses, dividends, surrender charges and underwriting features not captured here. Use an official policy illustration before making a decision.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.