{"id":18540,"date":"2021-07-13T20:00:00","date_gmt":"2021-07-13T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/term-life-whole-life-insurance.html"},"modified":"2026-03-27T08:28:48","modified_gmt":"2026-03-27T00:28:48","slug":"term-life-whole-life-insurance","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/term-life-whole-life-insurance.html","title":{"rendered":"Term vs Whole Life Insurance- What\u2019s Best For You?"},"content":{"rendered":"\n<p>For the average individual, life insurance just isn\u2019t the topic we talk about at the dining table, but it doesn\u2019t change the fact that it\u2019s one of the key elements to ensure that our wealth and hard work aren\u2019t wasted. The premise of paying for the premiums on life insurance is to ensure our children are well off even when we\u2019re gone.&nbsp;<\/p>\n<!--more-->\n<p>As for those who are keen on delving deeper into this topic, however, comes the debate of whether term life insurance is better, or whole life? Both of these are similar, yet their client\u2019s desire for life is quite different. With that said, the goal of this piece is to help clear up the confusion and hopefully, help you make an informed decision.&nbsp;<\/p>\n<h2>1. What is term life insurance?<\/h2>\n<p>By definition, a term life insurance covers you for a specified number of years and has no cash value associated with it. Because of this, the premiums are often lower when compared with whole life policies. However, it will still depend on the number of years you want coverage for. Here are the features of term life insurance:&nbsp;<\/p>\n<h3>Benefits of term life insurance<\/h3>\n<ul>\n<li aria-level=\"1\">Because the coverage lasts for a specified number of years instead of your entire life, the premium payments are usually fixed for this period. That means you won\u2019t have to worry about inflation, as long as your income can cover it.&nbsp;<\/li>\n<li aria-level=\"1\">What\u2019s more, is that if you\u2019ve outlived this period, this policy can easily be converted into a whole life policy.&nbsp;<\/li>\n<li aria-level=\"1\">One more thing is that because there is no cash value accumulation for this, the premiums are generally much lower when compared to whole life insurance.<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/term-life-whole-life-insurance-01.jpg?w=640&#038;ssl=1\" alt=\"term-life-whole-life-insurance-01\"  style=\"width: 676px;\"><\/p>\n<h3>Cons of term life insurance<\/h3>\n<ul>\n<li aria-level=\"1\">It may be quite a hassle to some because when you renew your policy or want to switch over to a whole life insurance, the company may request you to submit a physical exam all over again.&nbsp;<\/li>\n<li aria-level=\"1\">Technically speaking, as you get older, the risk of your death gets higher, so with that thought, insurance companies may not renew your policy as you get further into retirement. Or, it may be limited to only a short number of years.&nbsp;<\/li>\n<li aria-level=\"1\">As with that, the cost of the premiums may increase by a lot with each policy renewal.&nbsp;<\/li>\n<\/ul>\n<h2>2. What is whole life insurance?&nbsp;<\/h2>\n<p>Sometimes referred to as permanent insurance, whole life insurance combines your life insurance, as well as investments. The investment part of this insurance is called \u201ccash value\u201d and is placed in a different account known as a \u201ccash value account\u201d.&nbsp;<\/p>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/term-life-whole-life-insurance-02.jpg?w=640&#038;ssl=1\" alt=\"term-life-whole-life-insurance-02\"  style=\"width: 674px;\"><\/p>\n<p>With whole life insurance, part of your monthly premium payment goes to the insurance coverage and the rest will go to an investment account. Think of this like a separate savings account that is managed by the insurance company but you have the right to withdraw any of those amounts plus interest if and when you\u2019re in dire need of it.&nbsp;<\/p>\n<h3>Benefits of whole life insurance<\/h3>\n<ul>\n<li aria-level=\"1\">The most obvious is that this insurance lasts a lifetime.&nbsp;<\/li>\n<li aria-level=\"1\">Secondly, you have the benefit of cash value accumulation. This can also be an extension of your emergency fund. For instance, if you\u2019ve lost your job and couldn\u2019t maintain the premiums, you can actually use the money in the cash value account to cover it until you get another job.&nbsp;<\/li>\n<\/ul>\n<h3>Cons of whole life insurance<\/h3>\n<ul>\n<li aria-level=\"1\">As you can probably tell, the combination of life insurance and cash value adds up to a higher premium.&nbsp;<\/li>\n<li aria-level=\"1\">Although the cash value part may sound like a huge advantage, you\u2019re actually better off investing in other types of products such as stocks, index funds, ETFs, or REITs.&nbsp;<\/li>\n<\/ul>\n<h2>3. So, should you get term or whole life insurance?&nbsp;<\/h2>\n<p>When you contemplate this question, it really goes back to the real purpose you\u2019re purchasing the product. This is just a tool that protects your loved ones and shields your investments and assets in the event of your passing. It is not designed to be a money-making scheme.&nbsp;<\/p>\n<p>Ideally, it\u2019s better to prioritise getting out of debt, bulking up on savings and investments, then only think about buying life insurance. But if you still want peace of mind, you can always buy a smaller coverage and upgrade later on. You don\u2019t want to put money into a life insurance policy if it\u2019s not necessary, but it\u2019s always good to be prepared for the rainy days.&nbsp;<\/p>\n<p>If you\u2019re still unsure of which one to get, it may be worth it to speak to a consultant or a licensed life insurance professional who can delve deeper into the topic. Just be sure to understand how it all works before making the choice.<\/p>\n<p><a href=\"https:\/\/www.comparehero.my\/insurance\/articles\/types-of-insurance-policies-you-need\" role=\"button\"><br>Find Out About Other Types of Insurance You Need<br><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For the average individual, life insurance just isn\u2019t the topic we talk about at the dining table, but it doesn\u2019t change the fact that it\u2019s one of the key elements to ensure that our wealth and hard work aren\u2019t wasted. The premise of paying for the premiums on life insurance is to ensure our children&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":555,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[556],"tags":[],"class_list":["post-18540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Term vs Whole Life Insurance- What\u2019s Best For You? - CompareHero<\/title>\n<meta name=\"description\" content=\"Whole life insurance gives you lifelong coverage while term life insurance covers you for a shorter period. 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Why you should get life insurance The difference between medical and life insurance and medical insurance Life insurance companies in Malaysia Adding to our life insurance\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-32.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-32.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-32.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-32.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17628,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/reasons-to-have-insurance-policy.html","url_meta":{"origin":18540,"position":1},"title":"4 Reasons Why It&#8217;s Important To Have An Insurance Policy","author":"CompareHero","date":"20 February 2022","format":false,"excerpt":"We all know what insurance is for and why it\u2019s vital to have one. In spite of that, not everyone has an insurance policy as they might just want to rely on their savings for rainy days. Paying monthly premiums might seem like a hassle for some. However, there are\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/reasons-to-have-insurance-policy-featured-image.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/reasons-to-have-insurance-policy-featured-image.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/reasons-to-have-insurance-policy-featured-image.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/reasons-to-have-insurance-policy-featured-image.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/reasons-to-have-insurance-policy-featured-image.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17731,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/types-of-insurance-policies-you-need.html","url_meta":{"origin":18540,"position":2},"title":"5 Types Of Insurance You Need But May Not Have","author":"CompareHero","date":"6 July 2021","format":false,"excerpt":"One of life\u2019s harshest realities is that we can never turn back time. Along with this is the fact that there is an infinite number of events that might go wrong that we might not be prepared for. Sometimes, it\u2019s less severe, but sometimes, these events can really make a\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/types-of-insurance-policies-you-need-featured-image.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/types-of-insurance-policies-you-need-featured-image.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/types-of-insurance-policies-you-need-featured-image.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/types-of-insurance-policies-you-need-featured-image.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/types-of-insurance-policies-you-need-featured-image.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18715,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/difference-between-life-insurance-and-medical-insurance.html","url_meta":{"origin":18540,"position":3},"title":"What Is The Difference Between Life Insurance And Medical Insurance?","author":"CompareHero","date":"7 March 2021","format":false,"excerpt":"With the uncertain economic situation, ensuring that you and your loved ones will be financially covered should any unwanted circumstances happen is crucial. Well, in a nutshell, Life insurance is insurance that covers the risk of life and pays out an assured sum on the happening of the specified event.\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-life-insurance-medical-insurance.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-life-insurance-medical-insurance.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-life-insurance-medical-insurance.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-life-insurance-medical-insurance.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-life-insurance-medical-insurance.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":8017,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/medical-cards-healthcare-2.html","url_meta":{"origin":18540,"position":4},"title":"5 Things You Should Know Before Getting a Medical Card in Malaysia","author":"CompareHero","date":"5 October 2021","format":false,"excerpt":"If you take a closer look at the risk of health issues and the rising costs of hospitalisation and medical care, ensuring that you and your loved ones are covered by a comprehensive medical insurance plan is as important as ever. Ex-Health Minister Datuk Seri Dr S. Subramaniam shared in\u2026","rel":"","context":"In &quot;Insurance&quot;","block_context":{"text":"Insurance","link":"https:\/\/www.comparehero.my\/blog\/insurance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17968,"url":"https:\/\/www.comparehero.my\/blog\/insurance\/car-insurance-survey-2019.html","url_meta":{"origin":18540,"position":5},"title":"Car Insurance Survey 2019","author":"CompareHero","date":"22 October 2020","format":false,"excerpt":"Loading... This is an online survey organized by Compargo Malaysia Sdn Bhd (1050769-U) for CompareHero.my. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE YOU PARTICIPATE IN THIS SURVEY AS THEY CONTAIN TERMS AND CONDITIONS INCLUDING DISCLAIMERS AND LIMITATION OF OUR LIABILITIES. 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