Penn Mutual Policy Analysis

What is your Penn Mutual whole life policy actually returning?

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.

ParityPoint is a calculator, not an advisor. It is not affiliated with Penn Mutual or any carrier, broker, or investment firm.

Free Calculation: Your Return To Date
Based on premiums paid and current surrender value, this is your annualized return to date.
IRR measures the annualized return generated by your policy based on premiums paid and value accumulated over time.
Annualized return will appear here
Preview only. Full report uses your complete illustration data.
Data Entry Guidance

Finding the values in your Penn Mutual whole life illustration

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 Penn Mutual's format:

1

Penn Mutual illustrations use the "Guaranteed Basis" columns for the guaranteed schedule; use the row labeled "Net Cash Surrender Value."

2

Projected values appear under the "Current Dividend Scale" columns, in the same row.

3

Penn Mutual illustrations often include a midpoint scenario at 50% of the current dividend scale. The analysis includes a comparable conservative toggle, so you can enter the current-scale values and adjust from there.

Don't have a recent illustration? You have the right to request a free in-force illustration from Penn Mutual annually. Carriers are required to provide it within 30 days. Call the service number on your statement or use your online account.

What the full analysis shows

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.

Run the Full Analysis - $39

One-time payment. No subscription. 7-day refund if the analysis isn't useful.