Insurance
Model your life, disability, critical illness, and annuity policies within your retirement plan. Compare premiums vs. benefits, analyze tax impact, and see how insurance protects your financial future.
Life Insurance
Model term and permanent life insurance policies. See how death benefits protect your family and estate when you reach life expectancy.
Disability Insurance
Simulate disability scenarios with income replacement. When disabled, employment income is replaced by tax-efficient disability benefits.
Critical Illness
Model tax-free lump sum payouts for critical illness diagnosis. Test what-if scenarios to see how a diagnosis affects your financial plan.
Annuities
Configure prescribed and life annuities with guaranteed income streams. Optimize tax efficiency with survivor benefits and inflation indexing.
Stress Test Scenarios
Run what-if scenarios: simulate disability at a specific age or a critical illness diagnosis. See how your plan holds up when life throws a curveball.
Tax Impact Analysis
Understand how insurance affects your taxes. Prescribed annuities, non-taxable disability benefits, and tax-free death benefits — all modeled in your plan.
Premium vs. Benefit Analysis
Compare total premiums paid against benefits received. See ROI, break-even point, and net impact. Know exactly when your insurance pays for itself.
Comprehensive Results Dashboard
12+ charts and visualizations: net worth comparison, cash flow, income contribution, tax breakdown, payout timeline, policy-by-policy impact, and scenario comparison.
Inside Insurance
Insurance: configure life, disability, critical illness, and annuities; optional household stress tests; then success rate, Insurance Summary, Policy Breakdown, Income Contribution, and the Chart / Analysis views (net worth, cash flow, tax, payouts, premiums).
Insurance workspace
Under Projection Lab → Insurance: choose a retirement plan, then work with life, disability, critical illness, and annuities. Optional stress-test toggles set forced disability and critical-illness shock ages for you and your spouse when household planning is on.
How Insurance works
Model life, disability, critical illness, and annuities in your retirement plan. Run stress tests, see tax impact and premium vs. benefit—all from the Projection Lab.
- • Life insurance — Term and permanent; death benefits for family and estate.
- • Disability — Income replacement when disabled; tax-efficient benefits.
- • Critical illness — Tax-free lump sum; test diagnosis scenarios.
- • Annuities — Prescribed and life annuities; guaranteed income, survivor options.
- • Stress tests — Simulate disability or critical illness at a given age.
- • Tax & premium analysis — See how insurance affects taxes and when it pays for itself.
Watch the walkthrough video on the right to see Insurance in action.
For best quality, select 1080p in the video player settings (gear icon).
Key Benefits
Why model insurance in your retirement plan?
8 features: 4 insurance types + stress tests, tax analysis, premium vs. benefit, results dashboard
Stress tests for disability and critical illness scenarios
Premium vs. benefit analysis with ROI and break-even
Tax impact analysis — see how insurance affects your taxes
Individual and household (couple) plan support
Comprehensive charts: net worth, cash flow, payout timeline
Ready to Get Started?
Add your insurance policies to your retirement plan and see the full financial impact of your coverage.