--- title: What is the Internal Rate of Return on the cash value? description: 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 --- [Skip to content](https://info.prosperitythinkers.com/migration/knowledge/what-is-the-internal-rate-of-return-on-the-cash-value#main-content) English Show submenu for translations Prosperity Thinkers™, LLC Open main navigation Close main navigation - English Show submenu for translations - Contact us Contact us How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://info.prosperitythinkers.com/migration/knowledge?hsLang=en) 2. [How Does it Work?](https://info.prosperitythinkers.com/migration/knowledge/how-does-it-work?hsLang=en) # What is the Internal Rate of Return on the cash value? 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. - [What Is Whole Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-is-whole-life-insurance?hsLang=en) - [How Does it Work?](https://info.prosperitythinkers.com/migration/knowledge/how-does-it-work?hsLang=en) - [Is Whole Life Insurance Right for Me?](https://info.prosperitythinkers.com/migration/knowledge/is-whole-life-insurance-right-for-me?hsLang=en) - [What About Term Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-about-term-life-insurance?hsLang=en) - [How to Setup my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-setup-my-policy?hsLang=en) - [How to Use my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-use-my-policy?hsLang=en) - [Building Generational Wealth](https://info.prosperitythinkers.com/migration/knowledge/building-generational-wealth?hsLang=en) [![Prosperity Thinkers logo](https://info.prosperitythinkers.com/hs-fs/hubfs/small%20pt%20logo.png?width=88&height=66&name=small%20pt%20logo.png "Prosperity Thinkers logo")](https://info.prosperitythinkers.com/?hsLang=en) [mailto:email@email.com](mailto:email@email.com) Copyright © 2026, Prosperity Thinkers™, LLC