Your whole life illustration shows projected values. It does not show the annualized return on the premiums that produced them. Enter three numbers to see your IRR to date, then run the full analysis against your complete illustration.
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The full analysis needs your projected cash surrender values at 5-year age intervals, on both a guaranteed and current dividend scale basis. Here is where they live in Guardian's format:
Guardian illustrations group values under "Guaranteed" and "Non-Guaranteed (Current Dividend Scale)" headings. Use the cash surrender value column in each group.
Paid-up additions appear as a separate component in some Guardian illustrations; the total net cash surrender value line already includes them.
If your policy has an outstanding loan, use the net-of-loan surrender value where shown.
The report runs IRR on your policy's complete cash flow history, treating every premium as an outflow and the projected surrender value as the outcome, at every key age through 85. It then models an alternative strategy of surrendering, purchasing level term coverage priced to your age, gender, and health class, and investing the premium difference at a return assumption you control. Every assumption is stated and adjustable. The methodology is the Linton Yield Method, the framework the CFA Rate of Return Service has used since 1984. The report contains no recommendations; it ends with the math.
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