A short form captures the key details from your policy illustration: premiums, years paid, and projected values at future ages. Most people complete it in about 5-10 minutes with their illustration in hand.
Step-by-step guidance is included for major carriers, with general instructions for others.
The tool calculates your policy’s return over time, estimates the cost of comparable term life insurance coverage, and builds a side-by-side comparison using return assumptions that you control.
We use the same Internal Rate of Return (IRR) framework financial analysts have applied to whole life policies for decades. The math is transparent, and every output ties directly back to your inputs.
Your full analysis opens as an interactive report. Adjust return assumptions, toggle between more conservative scenarios, or change term coverage. Every table and chart updates live.
The report maps out the math and head-to-head comparisons, giving you the structured data required to evaluate your options. Your report ends where your decision begins.
One-time. No subscription. No account required.
The report cuts through the noise. It presents the numbers in context, lays out assumptions clearly, and shows the results without telling you what to do.
Every policy is unique. Mapping its historical and carrier-projected cash flows brings to light the underlying math in ways that may not be visible from the illustration alone.
Illustrations often highlight the growth rate of the cash value alone, while omitting the premiums you paid to build it. Our IRR calculation treats every premium payment as a cash outflow. This provides the net annualized return on your total out-of-pocket cost—not just the growth of the policy’s internal balance.
Comparing your policy to a 'term and invest' strategy is a standard benchmark, yet modeling it accurately is a complex spreadsheet exercise. It requires precise term rates, year-by-year compounding, and realistic market assumptions. The tool automates the calculation and lets you stress-test the assumption.
Whole life policies carry front-loaded commissions and fees, so surrender values in the first several years are typically below cumulative premiums. We map this gap explicitly, allowing you to see the precise year your policy's cash value reaches parity with your total out-of-pocket payments.
I bought a whole life policy in my mid-twenties and was spending about $1,800 a year in premiums for a $155,000 death benefit. My agent walked me through the illustration. At a glance, it seemed reasonable.
I spent my career analyzing business cash flows and capital structures. When I applied that same framework to my own policy, I saw that eight years of premiums still exceeded the surrender value. I decided to model the math myself.
The process took weeks: reconstructing the premium schedule, calculating returns across multiple time horizons, estimating comparable term coverage, and modeling an invest-the-difference alternative under different assumptions. That’s when it became clear — there was no reason this analysis should be so difficult or inaccessible.
This tool is what that work should have been: a clear, structured report with assumptions stated plainly and the numbers presented in context. It doesn’t tell you what to do. It shows you what the math says.
No subscription. No account required. Pay once, get the full report... and the interactive model that goes with it.
Ten minutes of data entry. An interactive, assumption-transparent report. $39, once.
One-time payment. No subscription. No account required.