At age 65, the current cash-value IRRs are Strategy A: 3.72%; Strategy B: 3.72%; Strategy C: 3.88%.
Advisor calculator · PDF comparison
Compare the outcome—not only the headline value.
Upload up to three illustration PDFs and compare them at the same policy year. The calculator converts the confirmed values into comparable premium totals and annual rates of return.
Files are read only in your browser and are not stored. Because insurer formats differ, review every extracted value before relying on the comparison.
PDF illustration upload
Compare up to three illustrations.
Select one, two, or three insurer PDFs at the same time. The calculator reads them locally in your browser and attempts to map the values for the policy year selected below.
- Use redacted illustrations whenever possible.
- Scanned or image-only PDFs may require manual entry.
- Always verify extracted values against the original illustration.
Maximum 3 files · 20 MB each · files are not uploaded or saved
Review and correct
Confirm one policy year from each illustration.
Advisor confirmation required. PDF layouts differ by insurer and product. Correct any missing or mismatched values before using the analysis.
Illustration 1
Illustration 2
Illustration 3
Comparison at policy year 20
What the values are actually showing.
IRR assumes annual premiums are paid at the beginning of each policy year and the selected value is received at the end of the evaluation year.
| Measure | Strategy A | Strategy B | Strategy C |
|---|---|---|---|
| Total premiums to year 20 | $200,000 | $240,000 | $180,000 |
| Guaranteed cash value | $180,000 | $210,000 | $160,000 |
| Current cash value | $300,000 | $360,000 | $275,000 |
| Guaranteed cash-value IRR | -1.01% | -1.29% | -1.14% |
| Current cash-value IRR | 3.72% | 3.72% | 3.88% |
| Guaranteed death-benefit IRR | 8.10% | 8.10% | 8.55% |
| Current death-benefit IRR | 11.93% | 11.41% | 12.36% |
| Non-guaranteed share of current cash value | 40.00% | 41.67% | 41.82% |
“The higher IRR tells us which value grows more efficiently under these inputs. It does not tell us which policy better matches your need for liquidity, guarantees, or estate value.”
“At this policy year, which outcome matters most: accessible cash, guaranteed value, or the amount ultimately reaching the family?”
Important assumptions
- PDF extraction is a convenience feature, not a substitute for checking the original insurer illustration.
- Current values are non-guaranteed unless the illustration states otherwise.
- IRR is one comparison measure; it does not reflect suitability, tax, access, surrender consequences, or policy-specific features.
- PDFs and entered information stay in this browser and are cleared when the page is refreshed or closed.