How much is too much to pay for life insurance?
Life insurance premiums are based on the cost of insurance (COI) charges, fixed administration expenses (FAEs), cash value based "wrap fees" (e.g., M&Es), and premium loads charged by the insurer, and the policy interest/earnings credited to premiums paid in excess of these policy charges. Use the Policy Pricing Calculator from TheInsuranceAdvisor.com to calculate premiums based on benchmark expenses and a policy interest/earnings of your choosing by completing the below inputs and clicking the [Calculate] button at the bottom of this page.




Product Type
  Product Type

  Pricing Style
  Survivorship:
Primary Insured
  Gender Male:
Female:
Current Age Nearest
  Health Profile
Tobacco User?
Death Benefit Assumptions
  Death Benefit
Death Benefit Option
Level-Option A/1

Increasing-Option B/2
Premium Assumptions
Pay Premiums for how many years?
One Time Lump Sum Deposit?
(or, leave blank)
Interest/Earnings Rate Assumptions
Assumed Net Rate of Return

© TheInsuranceAdvisor.com, Inc. (TIA). U.S. Patent #6,456,979. All rights reserved. 1301 West Fletcher Ave., Tampa, FL 33612.