Simulation Presets
Policy & Market Parameters
Diff invested: $2,620/yr
Early Cash Drag Breakdown (Yr 1-3)
Where each $1.00 of your bundled policy premium goes before reserve compounding begins:
⚠️ 78% Drag in Early Years
Surrender Break-Even: Yr 6
Unbundled Portfolio at Maturity
$118,128
Term Life + Invest Difference
Bundled Endowment Payout
$90,000
Net Wealth Advantage: +$28,128
Bundled Policy IRR
3.84%
Real (Net Inflation): 0.82%
Death Benefit Parity (Yr 10)
+$350,000
Term: $500k vs Bundled: $150k
Trajectory Comparison: Cash Value & Protection
Scrub Timeline Inspection: Year 10
Term + Index Ahead
Key Mechanism: In year 6, pure index compounding overtakes bundled cash value completely. By year 20, unbundled investing leaves you with $28,128 more liquid wealth while providing 3.3x higher death coverage during your peak family dependency years.
Year-by-Year Policyholder Amortization Audit
| Year | Cumulative Premium | Bundled Cash Value | Unbundled (BTID) Wealth | Surrender Penalty Drag | Effective Term Coverage | Net Wealth Advantage |
|---|