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 Northwestern Mutual's format:
Northwestern Mutual illustrations use numbered columns. Guaranteed values typically appear in columns 1–4; look for "Guaranteed Net Cash Surrender Value" or "Accumulated Value."
Current dividend scale values typically appear in columns 5–8, under the "Current Scale" heading, in the "Net Cash Surrender Value" or "Accumulated Value" rows.
The accumulated value rate-of-return columns in NM illustrations are themselves IRR figures: the breakeven return an alternative investment would need to match the projected surrender value given identical cash flows.
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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