Premium vs Investment Return Comparator
Calculate the opportunity cost of paying high premiums for traditional plans vs buying term and investing.
Quick Summary: Premium vs Investment Return Comparator
The BTIR strategy for FY 2026-27 involves separating insurance and investment. By buying a pure term plan and investing the surplus in equity MFs, you can potentially build a corpus 3x larger than traditional endowment plans with the same outlay.
How to use the Premium vs Investment Return Comparator
- 1
Input Policy Premium
Enter the annual premium of your traditional insurance policy.
- 2
Find Term Cost
Input the premium of a term plan for the same sum assured.
- 3
Project Investment
Calculate the growth of the remaining premium if invested in an Index Fund or SIP.
- 4
Compare Wealth
Analyze the difference in maturity corpus between the two approaches over 15-20 years.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.