Your policy 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 Mutual of Omaha's format:
Mutual of Omaha whole life spans participating traditional whole life and non-participating products such as final expense coverage, so your illustration may or may not include a dividend projection.
If the illustration shows two value sets, use the guaranteed cash surrender value column for the guaranteed schedule and the current dividend scale column for projected values. If it shows only guaranteed values, the policy is likely non-participating; enter those values in both columns.
Use the net cash surrender value wherever both a cash value and a surrender value are shown; 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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