Whole Life Insurance Analysis
Rate of return analysis on policies already in force, worked from a real inforce illustration rather than a hypothetical. Math only, no recommendations.
August 18, 2026
The death benefit is cheap to replace with term. What is actually at stake in a surrender is the accumulated value, walked through on a real inforce illustration, at five return rates.
August 13, 2026
The dividend rate is not the return. The IRR calculation walked through on a real inforce illustration, at five tax rates and three fee levels.