What is my return on a whole life policy? Cash paid at death $   Average yearly dividend $   Current age     Years you have owned policy     Years until your death     Your state + federal tax rate   % Your dividend income is Applied towards future premiums Invested elsewhere at a rate of % Spent within 2 months of receipt If you wish to claim the cash value Years until you claim cash value     Cash value at that time $   Current cash value $   Your premiums Premium amount $   Premium payments per year