A payment period is not an access date
Five annual payments do not mean a policy matures after five years. Check the actual term, access provisions and surrender values. Early surrender can return less than premiums paid.
The 300 Year Legacy Framework
Funding the Next Generation: The Five-Year Capital Worksheet
What can you commit without compromising what you need today?
Define the job your money must do before choosing how to hold it. Test a contribution against reserves, obligations and a lower-income year.
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Your working notes
Use broad descriptions, not account numbers, medical details or identity numbers. Repeat a section in your own copy for additional assets or options.
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| Annual contribution | Number of payments | Total contributed |
|---|---|---|
| USD 20,000 | 5 | USD 100,000 |
| USD 50,000 | 5 | USD 250,000 |
| USD 100,000 | 5 | USD 500,000 |
What must stay accessible
What could you need before the next five years are over?
A contribution you can sustain
What happens if income falls or costs rise?
The purpose of the capital
Who is it for, when is it needed, and in which currency?
Pay upfront
What does committing a lump sum change?
Five annual payments
What must remain true for the payment commitment to work?
Compare alternatives
Could cash, investments or savings insurance meet the purpose?
Your next decision
Record what needs checking before you commit to anything.
Compare functions, not labels
Savings insurance is one option alongside cash and investments, not a deposit or a recommendation. Separate insurer-guaranteed benefits from non-guaranteed illustrations and assess costs, coverage needs and currency exposure.
Background reading: MoneySense on endowment insurance, universal life risks and estate transfer arrangements. Product terms and personal circumstances must be checked separately.
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