Term Insurance + SIP vs Traditional LIC Endowment Plan Calculator — Compare BTIR Strategy Returns

Why You Should Never Mix Insurance with Investment

Traditional endowment and money-back life insurance policies offer low insurance cover (often only 10 times the annual premium) and generate modest returns of 5% to 6% per annum, which fails to beat inflation. The smart financial strategy is BTIR (Buy Term and Invest the Rest): purchase a high-cover pure term plan for a fraction of the cost and invest the saved premium into an equity mutual fund SIP delivering historically 12% to 14% returns.

Term + SIP vs Endowment Calculator

⚖️ BTIR Strategy vs Traditional Policy Calculator

Annual Investment Budget (Rs. )

Policy Tenure (Years)

Expected Mutual Fund Return (%)

📜 Traditional Endowment Policy

Life Cover Given: Rs. 6.0 Lakhs

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Maturity Value (~5.5%): Rs. 23,40,000

🚀 Term Plan + Equity SIP (BTIR)

Life Cover Given: Rs. 1.0 Crore (16x Higher!)

Maturity Value (12%): Rs. 49,95,000

Calculating wealth difference...

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Disclaimer: The calculations provided by these calculators are estimates based on standard rules and current policies. For official government declarations, financial planning, or investments, please consult with a certified financial planner. — Global Info Wiki Editorial Team