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Team Cocco Financial Planning
Cash Flow Strategy & Wealth Distribution 3
IFR Module 246 — Advanced Comparative Benefits Analysis
Purpose:
Go deeper than premiums and death benefits. Compare two strategies across projected values at key milestones, net present value, and critical living benefits like disability waiver, long-term care riders, and chronic illness acceleration.
Strategy Inputs
Strategy A
Strategy Name
Protection Amount ($)
Annual Cost ($)
Value at Year 10 ($)
Value at Year 20 ($)
Value at Year 30 ($)
Discount Rate for NPV (%)
Strategy B
Strategy Name
Protection Amount ($)
Annual Cost ($)
Value at Year 10 ($)
Value at Year 20 ($)
Value at Year 30 ($)
Discount Rate for NPV (%)
Living Benefits Comparison
Living Benefit
Strategy A
Strategy B
Disability Waiver of Premium
Not Included
Included
Not Included
Included
Long-Term Care Rider
Not Available
Included
Not Available
Included
Chronic Illness Accelerated Benefit
Not Available
Included
Not Available
Included
Cash Value Access (Loans/Withdrawals)
Not Available
Available
Not Available
Available
Guaranteed Insurability Option
Not Included
Included
Not Included
Included
Terminal Illness Benefit
Not Included
Included
Not Included
Included
Analyze Strategies
Net Present Value — Strategy A
$0
Current Term Life
Net Present Value — Strategy B
$0
Whole Life + Riders
Side-by-Side Comparison at Key Milestones
Living Benefits Score