I built this because I ran the math on my own policy.
I bought a whole life policy at 25 because someone I trusted told me it was a good idea, and for seven years I paid the premium without ever checking what it returned. The illustration my agent walked me through looked reasonable at a glance.
When I finally requested an inforce illustration and put the cash flows in a spreadsheet, the internal rate of return was nothing like the figure I had been carrying around in my head. After eight years I had paid in more than the policy would hand back on surrender. Seeing the policy expressed as cash flows and an annualized return changed how I understood it.
Building that analysis took weeks of manual work, and there is no reason it should be that inaccessible. ParityPoint is what that work should have been from the start. A structured report, every assumption stated plainly, the numbers in context, and no recommendation about what to do with them.
What lending money has to do with life insurance.
More than it sounds like. Two habits from the day job carry over almost unchanged.
The first is looking for the floor before anything else. A lender gets paid what the contract says and not a dollar more, no matter how well the business does. When there is no upside to bail you out, the only way to be wrong is to be wrong about the downside. So you find the worst honest case first and judge everything from there. A whole life illustration has a worst honest case. It is the guaranteed column, and on my own policy it was the column nobody had ever walked me through.
The second is reading projections for a living. Every deal I look at arrives with a forecast attached, built by people who believe it. My job is to take it seriously and then work out what happens if it does not come true. Do that across enough companies for enough years and you stop reading a projection as a plan and start reading it as one outcome out of several. A life insurance illustration is a projection. An unusually long one, running fifty or sixty years, and resting on a dividend rate the carrier is free to change.
None of that makes me right about your policy. It is just why the reports here put the guaranteed numbers next to the projected ones every time, instead of showing you the good column and moving on.
The policy behind every example on this site.
Worked examples here trace to one real document rather than a hypothetical. These are its terms.
| Carrier | Northwestern Mutual |
|---|---|
| Product | Whole Life Paid-Up at 65 |
| Issued | September 24, 2018, at age 25 |
| Face amount | $155,331 |
| Premium | $150.00 per month |
| Document analyzed | Inforce illustration dated December 11, 2025 |
Policy number and servicing agent details are withheld. Every other figure used in the articles comes from the illustration above and can be checked against it.
What I don't do.
I'm not an insurance agent, a broker, or a licensed adviser. I don't sell insurance and I don't sell investments. No carrier, agent, or fund company pays me anything, and nobody sends me a referral fee. You pay once for an analysis. That is the only money involved.
You also won't find a recommendation anywhere on this site. Nothing here will tell you to keep your policy, cancel it, or change it, and that is on purpose. I'm not licensed to advise you, and I don't know anything about the rest of your finances, your taxes, or what your family needs. What I can do is show you the math on your own policy plainly enough that you can decide for yourself, or hand it to someone who is qualified to advise you.
Put the numbers on the page.
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