What Is The Rate Of Return On Whole Life Insurance? 
What sounds like a simple question , actually requires a two part answer . Life insurance creates cash at death . Calculating the rate of return for the death benefit would involve the ratio of the total premiums paid to the total death benefit including dividends if any . In the early years the rate of return would be very high . The rate of return on the cash value is often referred to as the internal rate of return -LRB- IRR -RRB- and involves the ratio of the premiums paid less any riders to the cash surrender value . If you have further questions , please do not hesitate to contact me . 