Insurance Policy Rankings
Data-driven rankings of insurance policies by Internal Rate of Return (IRR). Compare whole life, IUL, and annuity products to find the best value for your money.
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Best Whole Life Insurance
Top whole life policies ranked by long-term IRR, including dividend performance and cash value growth.
Best IUL Policies
Indexed Universal Life policies compared by capped returns, participation rates, and historical IRR.
Best Annuities
Fixed, variable, and indexed annuities ranked by guaranteed returns and overall IRR performance.
How We Rank Policies
Our rankings are based on the Internal Rate of Return (IRR) — the most accurate way to compare investments with different cash flow patterns. Unlike simple return percentages, IRR accounts for thetiming of every premium payment and cash value withdrawal.
We collect policy illustrations from major carriers, model realistic premium and cash value scenarios, and calculate IRR using the Newton-Raphson method. Rankings are updated quarterly to reflect new illustrations and dividend announcements.
Disclaimer: Rankings are for educational purposes only and do not constitute financial advice. Actual policy performance may vary. Consult a licensed insurance professional before making purchase decisions.