From birth to age 40 to 45, the internal rate of return on your cash value would be approximately 4.0%, according to the 2020 dividend. If you are older, the return decreases since insurance costs are higher, so your cash value is approximately 3.5 to 4% depending on the current years’ dividend. There is not a specific year or cut-off, just a gradual change. Think of this calculation: $100,000 cash at 1% for 20 years = $122,019 but at 4% it will = $219,112 because 1 to 4 is a 300% difference.