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.
ParityPoint is a calculator, not an advisor. It is not affiliated with Ohio National or any carrier, broker, or investment firm.
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 Ohio National's format:
Ohio National stopped issuing new life insurance policies in 2021. This analysis applies to an existing in-force policy, which the company continues to service.
Participating Ohio National whole life illustrations separate guaranteed values from values on the current dividend scale. Use the guaranteed cash surrender value column for the guaranteed schedule and the current-scale column for projected values.
As an existing policyholder you retain the right to request a free in-force illustration. Use it for current values, since an original sales illustration may be years out of date.
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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