The Valuable Internal Rate of Return (IRR) Generated by Life Insurance

Survivorship life insurance, insuring two individuals in one contract, is typically designed for family and estate tax planning needs.

These contracts provide excellent guaranteed returns for premiums paid.

Recently we proposed $10 million of coverage on a male age 60 and female age 58, both preferred non-smokers with an annual premium of $79,257 – guaranteed premiums and guaranteed coverage to age 101.

This created the following tax free internal rate of return (IRR).

Policy Year Tax Free IRR Death Benefit
10 44.58% $10 million
15 24.10% $10 million
20 15.54% $10 million
25 10.96% $10 million
30 8.16% $10 million
35 6.3% $10 million
40 4.9% $10 million

Please feel free to contact our office for details.


To meet the unique needs of each of our clients, customizing products to protect their incomes and their lifestyles.
For nearly 40 years we have promised to always provide the best quality solutions meeting our clients’ needs without regard to our personal financial interest.
Each of our clients has a unique concern he/she is looking to protect. We approach each opportunity with an open mind as to which solution will best serve our clients.