Life Insurance Fee Comparator
Concretely understand the weight of a life insurance contract's fees on your capital over time, by comparing two fee structures.
My current contract
Since inception (5 years): €2,000.00
Allocation
The split between unit-linked funds and the euro fund must always add up to 100%.
Euro fund share
Fees
Not factored into the projection below: this version does not simulate switches between funds.
Compared contract
Since inception (5 years): €2,000.00
Allocation
The split between unit-linked funds and the euro fund must always add up to 100%.
Euro fund share
Fees
Not factored into the projection below: this version does not simulate switches between funds.
Projection parameters
Horizon
Estimated results — My current contract
Estimated final value
€57,305.42
Total future contributions
€27,000.00
Estimated cumulative annual fees
€5,732.60
Estimated net return after fees
+3%
Estimated results — Compared contract
Estimated final value
€59,401.02
Total future contributions
€27,000.00
Estimated cumulative annual fees
€3,637.00
Estimated net return after fees
+3.3%
Compared growth of both contracts
Estimated impact of fees
Estimated final value difference
€2,095.59
A difference of about 0.3% in annual fees represents roughly €2,095.59 of difference in final capital over 15 years in this simulation.
What this simulation does not calculate
Keep in mind
- This simulation is educational: it is neither a forecast nor a contract recommendation.
- The gross returns entered are assumptions, not guaranteed figures — especially for unit-linked funds.
- No taxation is calculated here: only the weight of the wrapper and fees is compared.
No data from this simulation is stored: all calculations stay in your browser.