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 MassMutual's format:
MassMutual illustrations separate guaranteed and non-guaranteed values into labeled column groups. Use the "Guaranteed" columns for the guaranteed cash surrender value schedule.
For projected values, use the columns labeled with the current dividend scale, in the "Net Cash Surrender Value" row at each age.
If your illustration shows both "Cash Value" and "Net Cash Surrender Value," use the net figure; it reflects what you would actually receive on surrender.
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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