Whole Life Insurance Cash Value Charts

All types of whole life insurance accumulate cash value. When you get the policy, there will be a cash value chart that clearly outlines the minimum guaranteed cash value in each policy year. Knowing how much cash value will accrue over time is critically important in determining whether or not whole life insurance is right for you. For that reason, below are multiple whole life cash value charts for different coverage amounts and ages to give you an estimate of how much cash value will accumulate over time.

Updated 03-09-26 Updated on March 09, 2026

16 minute read

Key Takeaways

The cash value of any given policy varies based on factors such as the annual premium, your age when you first bought it, and whether it’s a dividend-paying policy.
There are many ways to utilize the cash value, such as withdrawing it, paying policy premiums, or increasing the death benefit.
Cash value grows tax-deferred, and withdrawing it won’t trigger a tax liability, since the IRS doesn’t consider it income.

What Factors Influence Cash Value Growth?

With whole life insurance, every time you make a payment, a portion is credited to the cash value account. Furthermore, this account also earns interest, typically 3-4%. Your ongoing premiums, plus interest, will cause the cash value to continually grow as long as you’re alive. Also, some whole life policies pay dividends, which, if reinvested, will also bolster cash value growth.

If you’re in the market for a whole life policy, it’s wise to request an illustration. A life insurance illustration will showcase the cash value projections. Most illustrations will show minimum guaranteed and non-guaranteed cash value figures.

The guaranteed values are the insurer’s absolute minimum cash value figures. The non-guaranteed cash value figures are predictions based on the insurance company’s past investment performance (typically the last ten years).

If you already have a whole life insurance policy, you can call the company and request an in-force illustration to understand where your cash value currently stands and what it’s projected to be in the future.

Dividend Paying (Participating) Whole Life Insurance Cash Value Charts

Participating whole life insurance policies build much more cash value than non-participating ones. Furthermore, they will pay dividends that can be used in a variety of ways, such as increasing the death benefit, paying policy premiums, being withdrawn as cash, or being left on deposit to bolster cash value growth.

Below are some participating whole life insurance cash value charts for coverage ranging from $100,000 to $1 million.

$100,000 participating whole life insurance cash value chart

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 31)	Female	$890	$0	$0	$100,000
	Male	$1,013	$0	$0	$100,000
5 (age 35)	Female	$890	$120	$2,176	$102,484
	Male	$1,013	$140	$2,564	$102,588
10 (age 40)	Female	$890	$190	$7,221	$106,714
	Male	$1,013	$218	$8,259	$106,950
15 (age 45)	Female	$890	$268	$13,553	$112,340
	Male	$1,013	$307	$15,377	$112,745
20 (age 50)	Female	$890	$359	$21,547	$119,283
	Male	$1,013	$410	$24,272	$119,932
25 (age 55)	Female	$890	$468	$31,548	$127,555
	Male	$1,013	$534	$35,295	$128,532
30 (age 60)	Female	$890	$591	$43,926	$137,197
	Male	$1,013	$664	$48,894	$138,524
35 (age 65)	Female	$890	$734	$59,253	$148,224
	Male	$1,013	$821	$65,630	$149,903
40 (age 70)	Female	$890	$899	$78,032	$160,735
	Male	$1,013	$1,003	$85,792	$162,843
45 (age 75)	Female	$890	$1,095	$100,739	$174,858
	Male	$1,013	$1,223	$109,631	$177,524
50 (age 80)	Female	$890	$1,331	$127,318	$190,843
	Male	$1,013	$1,469	$136,880	$194,215
55 (age 85)	Female	$890	$1,591	$157,101	$208,988
	Male	$1,013	$1,736	$167,189	$213,124
60 (age 90)	Female	$890	$1,880	$188,739	$229,606
	Male	$1,013	$2,029	$198,758	$234,590

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 41)	Female	$1,262	$0	$0	$100,000
	Male	$1,473	$0	$0	$100,000
5 (age 45)	Female	$1,262	$187	$3,666	$102,751
	Male	$1,473	$218	$4,261	$102,912
10 (age 50)	Female	$1,262	$287	$11,086	$107,465
	Male	$1,473	$331	$12,603	$107,873
15 (age 55)	Female	$1,262	$404	$20,323	$113,688
	Male	$1,473	$462	$22,977	$114,369
20 (age 60)	Female	$1,262	$543	$31,778	$121,394
	Male	$1,473	$619	$35,727	$122,430
25 (age 65)	Female	$1,262	$699	$45,867	$130,608
	Male	$1,473	$794	$51,244	$132,068
30 (age 70)	Female	$1,262	$877	$63,130	$141,339
	Male	$1,473	$993	$69,926	$143,331
35 (age 75)	Female	$1,262	$1,089	$84,009	$153,692
	Male	$1,473	$1,232	$92,024	$156,355
40 (age 80)	Female	$1,262	$1,343	$108,463	$167,907
	Male	$1,473	$1,500	$117,307	$171,401
45 (age 85)	Female	$1,262	$1,624	$135,905	$184,269
	Male	$1,473	$1,791	$145,476	$188,662
50 (age 90)	Female	$1,262	$1,936	$165,134	$203,081
	Male	$1,473	$2,109	$174,897	$208,471

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 51)	Female	$1,923	$0	$0	$100,000
	Male	$2,229	$0	$0	$100,000
5 (age 55)	Female	$1,923	$303	$6,027	$103,255
	Male	$2,229	$352	$6,920	$103,449
10 (age 60)	Female	$1,923	$456	$17,126	$108,809
	Male	$2,229	$527	$19,348	$109,331
15 (age 65)	Female	$1,923	$639	$30,725	$116,124
	Male	$2,229	$728	$34,515	$117,016
20 (age 70)	Female	$1,923	$846	$47,295	$125,178
	Male	$2,229	$963	$52,740	$126,562
25 (age 75)	Female	$1,923	$1,087	$67,210	$136,038
	Male	$2,229	$1,245	$74,031	$138,140
30 (age 80)	Female	$1,923	$1,371	$90,542	$148,864
	Male	$2,229	$1,551	$98,335	$151,900
35 (age 85)	Female	$1,923	$1,685	$116,748	$163,935
	Male	$2,229	$1,880	$125,447	$167,987
40 (age 90)	Female	$1,923	$2,033	$144,726	$181,548
	Male	$2,229	$2,240	$153,828	$186,738

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 61)	Female	$3,234	$0	$0	$100,000
	Male	$3,696	$0	$0	$100,000
5 (age 65)	Female	$3,234	$538	$10,035	$104,242
	Male	$3,696	$607	$11,453	$104,476
10 (age 70)	Female	$3,234	$766	$27,111	$111,385
	Male	$3,696	$902	$30,434	$112,153
15 (age 75)	Female	$3,234	$1,078	$47,642	$120,692
	Male	$3,696	$1,232	$52,565	$122,242
20 (age 80)	Female	$3,234	$1,428	$71,233	$132,431
	Male	$3,696	$1,619	$77,701	$134,888
25 (age 85)	Female	$3,234	$1,790	$97,566	$146,702
	Male	$3,696	$2,025	$105,270	$150,323
30 (age 90)	Female	$3,234	$2,190	$125,678	$163,720
	Male	$3,696	$2,446	$134,094	$168,692

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 71)	Female	$5,772	$0	$0	$100,000
	Male	$6,591	$0	$0	$100,000
5 (age 75)	Female	$5,772	$986	$17,473	$105,931
	Male	$6,591	$1,144	$19,062	$106,517
10 (age 80)	Female	$5,772	$1,487	$44,323	$116,350
	Male	$6,591	$1,669	$48,430	$117,670
15 (age 85)	Female	$5,772	$2,023	$73,818	$130,248
	Male	$6,591	$2,260	$80,348	$132,618
20 (age 90)	Female	$5,772	$2,545	$104,576	$147,856
	Male	$6,591	$2,903	$112,317	$151,864

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $100,000 participating whole life policy.

$250,000 participating whole life insurance cash value chart

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 31)	Female	$2,113	$0	$0	$250,000
	Male	$2,420	$0	$0	$250,000
5 (age 35)	Female	$2,113	$300	$5,441	$256,210
	Male	$2,420	$351	$6,410	$256,469
10 (age 40)	Female	$2,113	$474	$18,052	$266,785
	Male	$2,420	$544	$20,648	$267,376
15 (age 45)	Female	$2,113	$669	$33,884	$280,850
	Male	$2,420	$767	$38,442	$281,864
20 (age 50)	Female	$2,113	$898	$53,868	$298,207
	Male	$2,420	$1,024	$60,681	$299,829
25 (age 55)	Female	$2,113	$1,169	$78,870	$318,886
	Male	$2,420	$1,335	$88,237	$321,329
30 (age 60)	Female	$2,113	$1,477	$109,814	$342,992
	Male	$2,420	$1,659	$122,235	$346,310
35 (age 65)	Female	$2,113	$1,835	$148,132	$370,559
	Male	$2,420	$2,053	$164,076	$374,756
40 (age 70)	Female	$2,113	$2,247	$195,081	$401,838
	Male	$2,420	$2,507	$214,479	$407,108
45 (age 75)	Female	$2,113	$2,739	$251,849	$437,145
	Male	$2,420	$3,057	$274,077	$443,809
50 (age 80)	Female	$2,113	$3,327	$318,294	$477,109
	Male	$2,420	$3,673	$342,200	$485,537
55 (age 85)	Female	$2,113	$3,977	$392,752	$522,471
	Male	$2,420	$4,341	$417,973	$532,810
60 (age 90)	Female	$2,113	$4,699	$471,848	$574,015
	Male	$2,420	$5,072	$496,894	$586,475

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 41)	Female	$3,042	$0	$0	$250,000
	Male	$3,570	$0	$0	$250,000
5 (age 45)	Female	$3,042	$467	$9,165	$256,877
	Male	$3,570	$546	$10,652	$257,281
10 (age 50)	Female	$3,042	$718	$27,714	$268,662
	Male	$3,570	$829	$31,508	$269,683
15 (age 55)	Female	$3,042	$1,010	$50,808	$284,219
	Male	$3,570	$1,154	$57,442	$285,923
20 (age 60)	Female	$3,042	$1,358	$79,445	$303,486
	Male	$3,570	$1,548	$89,316	$306,075
25 (age 65)	Female	$3,042	$1,748	$114,668	$326,520
	Male	$3,570	$1,986	$128,111	$330,169
30 (age 70)	Female	$3,042	$2,192	$157,824	$353,347
	Male	$3,570	$2,482	$174,816	$358,327
35 (age 75)	Female	$3,042	$2,723	$210,021	$384,230
	Male	$3,570	$3,080	$230,060	$390,886
40 (age 80)	Female	$3,042	$3,358	$271,159	$419,767
	Male	$3,570	$3,750	$293,268	$428,502
45 (age 85)	Female	$3,042	$4,060	$339,763	$460,673
	Male	$3,570	$4,476	$363,691	$471,654
50 (age 90)	Female	$3,042	$4,839	$412,835	$507,702
	Male	$3,570	$5,272	$437,242	$521,177

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 51)	Female	$4,693	$0	$0	$250,000
	Male	$5,460	$0	$0	$250,000
5 (age 55)	Female	$4,693	$758	$15,067	$258,137
	Male	$5,460	$879	$17,299	$258,622
10 (age 60)	Female	$4,693	$1,140	$42,815	$272,022
	Male	$5,460	$1,316	$48,369	$273,326
15 (age 65)	Female	$4,693	$1,597	$76,813	$290,310
	Male	$5,460	$1,821	$86,288	$292,540
20 (age 70)	Female	$4,693	$2,116	$118,237	$312,946
	Male	$5,460	$2,407	$131,851	$316,404
25 (age 75)	Female	$4,693	$2,717	$168,025	$340,096
	Male	$5,460	$3,113	$185,077	$345,349
30 (age 80)	Female	$4,693	$3,428	$226,355	$372,160
	Male	$5,460	$3,877	$245,837	$379,750
35 (age 85)	Female	$4,693	$4,213	$291,870	$409,839
	Male	$5,460	$4,699	$313,617	$419,968
40 (age 90)	Female	$4,693	$5,083	$361,815	$453,870
	Male	$5,460	$5,600	$384,571	$466,846

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 61)	Female	$7,972	$0	$0	$250,000
	Male	$9,127	$0	$0	$250,000
5 (age 65)	Female	$7,972	$1,346	$25,087	$260,606
	Male	$9,127	$1,518	$28,633	$261,189
10 (age 70)	Female	$7,972	$1,914	$67,778	$278,463
	Male	$9,127	$2,256	$76,086	$280,383
15 (age 75)	Female	$7,972	$2,695	$119,106	$301,731
	Male	$9,127	$3,080	$131,411	$305,604
20 (age 80)	Female	$7,972	$3,570	$178,082	$331,079
	Male	$9,127	$4,049	$194,253	$337,220
25 (age 85)	Female	$7,972	$4,476	$243,916	$366,754
	Male	$9,127	$5,064	$263,174	$375,808
30 (age 90)	Female	$7,972	$5,475	$314,196	$409,300
	Male	$9,127	$6,115	$335,234	$421,729

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 71)	Female	$14,316	$0	$0	$250,000
	Male	$16,364	$0	$0	$250,000
5 (age 75)	Female	$14,316	$2,465	$43,683	$264,828
	Male	$16,364	$2,860	$47,654	$266,291
10 (age 80)	Female	$14,316	$3,717	$110,807	$290,875
	Male	$16,364	$4,172	$121,076	$294,174
15 (age 85)	Female	$14,316	$5,058	$184,545	$325,620
	Male	$16,364	$5,650	$200,869	$331,546
20 (age 90)	Female	$14,316	$6,361	$261,441	$369,641
	Male	$16,364	$7,258	$280,792	$379,661

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $250,000 participating whole life policy.

$500,000 participating whole life insurance cash value chart

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 31)	Female	$4,108	$0	$0	$500,000
	Male	$4,711	$0	$0	$500,000
5 (age 35)	Female	$4,108	$600	$10,882	$512,421
	Male	$4,711	$702	$12,821	$512,939
10 (age 40)	Female	$4,108	$949	$36,103	$533,569
	Male	$4,711	$1,089	$41,297	$534,752
15 (age 45)	Female	$4,108	$1,338	$67,767	$561,701
	Male	$4,711	$1,533	$76,883	$563,727
20 (age 50)	Female	$4,108	$1,796	$107,735	$596,413
	Male	$4,711	$2,049	$121,362	$599,658
25 (age 55)	Female	$4,108	$2,339	$157,740	$637,773
	Male	$4,711	$2,670	$176,474	$642,659
30 (age 60)	Female	$4,108	$2,954	$219,629	$685,984
	Male	$4,711	$3,319	$244,470	$692,621
35 (age 65)	Female	$4,108	$3,670	$296,265	$741,118
	Male	$4,711	$4,105	$328,151	$749,512
40 (age 70)	Female	$4,108	$4,494	$390,161	$803,676
	Male	$4,711	$5,015	$428,958	$814,216
45 (age 75)	Female	$4,108	$5,477	$503,697	$874,290
	Male	$4,711	$6,114	$548,153	$887,617
50 (age 80)	Female	$4,108	$6,654	$636,589	$954,217
	Male	$4,711	$7,346	$684,399	$971,075
55 (age 85)	Female	$4,108	$7,954	$785,503	$1,044,942
	Male	$4,711	$8,682	$835,946	$1,065,620
60 (age 90)	Female	$4,108	$9,398	$943,695	$1,148,030
	Male	$4,711	$10,145	$993,789	$1,172,949

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 41)	Female	$5,950	$0	$0	$500,000
	Male	$7,000	$0	$0	$500,000
5 (age 45)	Female	$5,950	$934	$18,329	$513,754
	Male	$7,000	$1,092	$21,305	$514,562
10 (age 50)	Female	$5,950	$1,436	$55,429	$537,324
	Male	$7,000	$1,657	$63,015	$539,365
15 (age 55)	Female	$5,950	$2,021	$101,615	$568,438
	Male	$7,000	$2,308	$114,884	$571,846
20 (age 60)	Female	$5,950	$2,715	$158,890	$606,972
	Male	$7,000	$3,097	$178,633	$612,150
25 (age 65)	Female	$5,950	$3,495	$229,336	$653,040
	Male	$7,000	$3,971	$256,222	$660,339
30 (age 70)	Female	$5,950	$4,384	$315,649	$706,695
	Male	$7,000	$4,965	$349,632	$716,654
35 (age 75)	Female	$5,950	$5,446	$420,042	$768,461
	Male	$7,000	$6,160	$460,121	$781,773
40 (age 80)	Female	$5,950	$6,716	$542,317	$839,534
	Male	$7,000	$7,499	$586,535	$857,005
45 (age 85)	Female	$5,950	$8,120	$679,526	$921,346
	Male	$7,000	$8,953	$727,382	$943,308
50 (age 90)	Female	$5,950	$9,678	$825,670	$1,015,404
	Male	$7,000	$10,544	$874,485	$1,042,355

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 51)	Female	$9,221	$0	$0	$500,000
	Male	$10,738	$0	$0	$500,000
5 (age 55)	Female	$9,221	$1,517	$30,133	$516,273
	Male	$10,738	$28,006	$34,599	$517,244
10 (age 60)	Female	$9,221	$2,280	$85,630	$544,044
	Male	$10,738	$76,116	$96,738	$546,653
15 (age 65)	Female	$9,221	$3,194	$153,626	$580,620
	Male	$10,738	$129,281	$172,575	$585,080
20 (age 70)	Female	$9,221	$4,232	$236,474	$625,893
	Male	$10,738	$186,538	$263,702	$632,808
25 (age 75)	Female	$9,221	$5,435	$336,049	$680,192
	Male	$10,738	$244,961	$370,154	$690,698
30 (age 80)	Female	$9,221	$6,855	$452,709	$744,320
	Male	$10,738	$302,057	$491,673	$759,499
35 (age 85)	Female	$9,221	$8,425	$583,739	$819,677
	Male	$10,738	$355,347	$627,234	$839,936
40 (age 90)	Female	$9,221	$10,167	$723,629	$907,740
	Male	$10,738	$398,310	$769,142	$933,691

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 61)	Female	$15,715	$0	$0	$500,000
	Male	$17,999	$0	$0	$500,000
5 (age 65)	Female	$15,715	$40,222	$50,173	$521,211
	Male	$17,999	$45,878	$57,265	$522,379
10 (age 70)	Female	$15,715	$104,845	$135,556	$556,925
	Male	$17,999	$116,865	$152,172	$560,766
15 (age 75)	Female	$15,715	$174,497	$238,212	$603,462
	Male	$17,999	$189,815	$262,823	$611,208
20 (age 80)	Female	$15,715	$243,606	$356,164	$662,157
	Male	$17,999	$261,043	$388,506	$674,440
25 (age 85)	Female	$15,715	$308,448	$487,831	$733,508
	Male	$17,999	$325,101	$526,348	$751,616
30 (age 90)	Female	$15,715	$363,769	$628,392	$818,599
	Male	$17,999	$376,791	$670,469	$843,458

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 71)	Female	$28,268	$0	$0	$500,000
	Male	$32,332	$0	$0	$500,000
5 (age 75)	Female	$28,268	$69,104	$87,366	$529,656
	Male	$32,332	$73,917	$95,308	$532,583
10 (age 80)	Female	$28,268	$164,869	$221,613	$581,749
	Male	$32,332	$177,597	$242,152	$588,348
15 (age 85)	Female	$28,268	$252,906	$369,090	$651,241
	Male	$32,332	$271,294	$401,739	$663,092
20 (age 90)	Female	$28,268	$324,140	$522,882	$739,281
	Male	$32,332	$339,847	$561,583	$759,322

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $500,000 participating whole life policy.

$1,000,000 participating whole life insurance cash value chart

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 31)	Female	$8,140	$0	$0	$1,000,000
	Male	$9,347	$0	$0	$1,000,000
5 (age 35)	Female	$8,140	$17,107	$21,763	$1,024,841
	Male	$9,347	$1,404	$25,642	$1,025,878
10 (age 40)	Female	$8,140	$57,510	$72,206	$1,067,139
	Male	$9,347	$2,178	$82,593	$1,069,504
15 (age 45)	Female	$8,140	$103,976	$135,534	$1,123,401
	Male	$9,347	$3,067	$153,767	$1,127,454
20 (age 50)	Female	$8,140	$157,756	$215,470	$1,192,825
	Male	$9,347	$4,097	$242,723	$1,199,316
25 (age 55)	Female	$8,140	$219,213	$315,480	$1,275,545
	Male	$9,347	$5,340	$352,947	$1,285,318
30 (age 60)	Female	$8,140	$288,354	$439,257	$1,371,967
	Male	$9,347	$6,637	$488,940	$1,385,241
35 (age 65)	Female	$8,140	$366,284	$592,529	$1,482,235
	Male	$9,347	$8,210	$656,302	$1,499,024
40 (age 70)	Female	$8,140	$452,656	$780,322	$1,607,352
	Male	$9,347	$10,029	$857,915	$1,628,430
45 (age 75)	Female	$8,140	$546,397	$1,007,394	$1,748,578
	Male	$9,347	$12,228	$1,096,306	$1,775,234
50 (age 80)	Female	$8,140	$642,606	$1,273,176	$1,908,433
	Male	$9,347	$14,691	$1,368,798	$1,942,148
55 (age 85)	Female	$8,140	$733,746	$1,571,005	$2,089,883
	Male	$9,347	$17,364	$1,671,890	$2,131,238
60 (age 90)	Female	$8,140	$810,909	$1,887,389	$2,296,058
	Male	$9,347	$20,289	$1,987,577	$2,345,897

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 41)	Female	$11,825	$0	$0	$1,000,000
	Male	$13,925	$0	$0	$1,000,000
5 (age 45)	Female	$11,825	$29,624	$36,658	$1,027,508
	Male	$13,925	$34,350	$42,610	$1,029,124
10 (age 50)	Female	$11,825	$88,515	$110,858	$1,074,647
	Male	$13,925	$100,085	$126,030	$1,078,730
15 (age 55)	Female	$11,825	$155,411	$203,231	$1,136,875
	Male	$13,925	$174,830	$229,768	$1,143,692
20 (age 60)	Female	$11,825	$230,985	$317,779	$1,213,944
	Male	$13,925	$258,119	$357,265	$1,224,299
25 (age 65)	Female	$11,825	$315,073	$458,673	$1,306,079
	Male	$13,925	$349,265	$512,445	$1,320,677
30 (age 70)	Female	$11,825	$408,274	$631,297	$1,413,389
	Male	$13,925	$447,504	$699,264	$1,433,308
35 (age 75)	Female	$11,825	$509,433	$840,085	$1,536,920
	Male	$13,925	$550,274	$920,242	$1,563,545
40 (age 80)	Female	$11,825	$613,273	$1,084,634	$1,679,067
	Male	$13,925	$651,344	$1,173,070	$1,714,008
45 (age 85)	Female	$11,825	$711,689	$1,359,052	$1,842,691
	Male	$13,925	$745,631	$1,454,764	$1,886,615
50 (age 90)	Female	$11,825	$795,172	$1,651,339	$2,030,806
	Male	$13,925	$821,478	$1,748,969	$2,084,709

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 51)	Female	$18,367	$0	$0	$1,000,000
	Male	$21,401	$0	$0	$1,000,000
5 (age 55)	Female	$18,367	$48,895	$60,266	$1,032,546
	Male	$21,401	$56,012	$69,197	$1,034,488
10 (age 60)	Female	$18,367	$135,523	$171,260	$1,088,088
	Male	$21,401	$152,231	$193,475	$1,093,305
15 (age 65)	Female	$18,367	$231,605	$307,252	$1,161,239
	Male	$21,401	$258,562	$345,150	$1,170,160
20 (age 70)	Female	$18,367	$337,110	$472,948	$1,251,786
	Male	$21,401	$373,076	$527,404	$1,265,616
25 (age 75)	Female	$18,367	$450,164	$672,098	$1,360,383
	Male	$21,401	$489,922	$740,308	$1,381,395
30 (age 80)	Female	$18,367	$566,239	$905,418	$1,488,640
	Male	$21,401	$604,115	$983,346	$1,518,998
35 (age 85)	Female	$18,367	$676,321	$1,167,479	$1,639,354
	Male	$21,401	$710,693	$1,254,468	$1,679,871
40 (age 90)	Female	$18,367	$769,937	$1,447,258	$1,815,479
	Male	$21,401	$796,620	$1,538,284	$1,867,382

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 61)	Female	$31,355	$0	$0	$1,000,000
	Male	$35,923	$0	$0	$1,000,000
5 (age 65)	Female	$31,355	$80,443	$100,346	$1,042,422
	Male	$35,923	$91,756	$114,531	$1,044,757
10 (age 70)	Female	$31,355	$209,689	$271,112	$1,113,851
	Male	$35,923	$233,730	$304,343	$1,121,533
15 (age 75)	Female	$31,355	$348,994	$476,424	$1,206,923
	Male	$35,923	$379,630	$525,646	$1,222,415
20 (age 80)	Female	$31,355	$487,213	$712,329	$1,324,314
	Male	$35,923	$522,086	$777,012	$1,348,880
25 (age 85)	Female	$31,355	$616,896	$975,663	$1,467,016
	Male	$35,923	$650,202	$1,052,697	$1,503,231
30 (age 90)	Female	$31,355	$727,539	$1,256,783	$1,637,198
	Male	$35,923	$753,583	$1,340,937	$1,686,916

End Of Policy Year	Gender	Annual Premium	Expected Annual Dividend	Total Expected Cash Value	Total Expected Death Benefit
1 (age 71)	Female	$56,461	$0	$0	$1,000,000
	Male	$64,588	$0	$0	$1,000,000
5 (age 75)	Female	$56,461	$138,207	$174,733	$1,059,311
	Male	$64,588	$147,834	$190,615	$1,065,165
10 (age 80)	Female	$56,461	$329,737	$443,227	$1,163,499
	Male	$64,588	$355,193	$484,305	$1,176,696
15 (age 85)	Female	$56,461	$505,811	$738,181	$1,302,482
	Male	$64,588	$542,588	$803,477	$1,326,184
20 (age 90)	Female	$56,461	$648,281	$1,045,765	$1,478,562
	Male	$64,588	$679,694	$1,123,166	$1,518,644

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $1,000,000 participating whole life policy.

Non-Dividend Paying (Non-Participating) Whole Life Insurance Cash Value Charts

Standard whole life insurance policies differ from participating policies in one primary way- they don’t pay dividends. Of course, they still build cash value, but at a lesser pace. Where standard whole life policies rise above is that they tend to cost less than participating policies.

Below are some standard whole-life insurance cash value charts for coverage ranging from $100,000 to $1 million.

$100,000 whole life insurance cash value chart (non-participating)

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 31)	Female	$831	$0
	Male	$891	$0
5 (age 35)	Female	$831	$1,477
	Male	$891	$1,827
10 (age 40)	Female	$831	$5,186
	Male	$891	$6,033
15 (age 45)	Female	$831	$9,591
	Male	$891	$10,883
20 (age 50)	Female	$831	$14,847
	Male	$891	$16,579
25 (age 55)	Female	$831	$20,924
	Male	$891	$23,171
30 (age 60)	Female	$831	$27,832
	Male	$891	$30,706
35 (age 65)	Female	$831	$35,678
	Male	$891	$39,180
40 (age 70)	Female	$831	$44,445
	Male	$891	$48,397
45 (age 75)	Female	$831	$54,000
	Male	$891	$58,051
50 (age 80)	Female	$831	$63,808
	Male	$891	$67,570
55 (age 85)	Female	$831	$73,067
	Male	$891	$76,413
60 (age 90)	Female	$831	$80,855
	Male	$891	$83,380

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 41)	Female	$1,213	$0
	Male	$1,323	$0
5 (age 45)	Female	$1,213	$2,579
	Male	$1,323	$2,927
10 (age 50)	Female	$1,213	$8,234
	Male	$1,323	$9,122
15 (age 55)	Female	$1,213	$14,776
	Male	$1,323	$16,291
20 (age 60)	Female	$1,213	$22,210
	Male	$1,323	$24,486
25 (age 65)	Female	$1,213	$30,652
	Male	$1,323	$33,701
30 (age 70)	Female	$1,213	$40,089
	Male	$1,323	$43,725
35 (age 75)	Female	$1,213	$50,373
	Male	$1,323	$54,225
40 (age 80)	Female	$1,213	$60,932
	Male	$1,323	$64,579
45 (age 85)	Female	$1,213	$70,903
	Male	$1,323	$74,200
50 (age 90)	Female	$1,213	$79,305
	Male	$1,323	$81,794

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 51)	Female	$1,929	$0
	Male	$2,087	$0
5 (age 55)	Female	$1,929	$4,512
	Male	$2,087	$5,030
10 (age 60)	Female	$1,929	$12,824
	Male	$2,087	$14,305
15 (age 65)	Female	$1,929	$22,266
	Male	$2,087	$24,734
20 (age 70)	Female	$1,929	$32,817
	Male	$2,087	$36,079
25 (age 75)	Female	$1,929	$44,318
	Male	$2,087	$47,963
30 (age 80)	Female	$1,929	$56,129
	Male	$2,087	$59,684
35 (age 85)	Female	$1,929	$67,289
	Male	$2,087	$70,580
40 (age 90)	Female	$1,929	$76,716
	Male	$2,087	$79,199

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 61)	Female	$3,018	$0
	Male	$3,168	$0
5 (age 65)	Female	$3,018	$7,295
	Male	$3,168	$8,251
10 (age 70)	Female	$3,018	$19,839
	Male	$3,168	$22,024
15 (age 75)	Female	$3,018	$33,513
	Male	$3,168	$36,452
20 (age 80)	Female	$3,018	$47,558
	Male	$3,168	$50,686
25 (age 85)	Female	$3,018	$60,840
	Male	$3,168	$63,924
30 (age 90)	Female	$3,018	$72,096
	Male	$3,168	$74,428

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 71)	Female	$5,348	$0
	Male	$5,361	$0
5 (age 75)	Female	$5,348	$11,999
	Male	$5,361	$13,502
10 (age 80)	Female	$5,348	$30,492
	Male	$5,361	$32,745
15 (age 85)	Female	$5,348	$48,000
	Male	$5,361	$50,655
20 (age 90)	Female	$5,348	$62,898
	Male	$5,361	$64,916

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $100,000 non-participating whole life policy.

$250,000 whole life insurance cash value chart (non-participating)

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 31)	Female	$1,995	$0
	Male	$2,116	$0
5 (age 35)	Female	$1,995	$3,692
	Male	$2,116	$4,567
10 (age 40)	Female	$1,995	$12,965
	Male	$2,116	$15,082
15 (age 45)	Female	$1,995	$23,977
	Male	$2,116	$27,207
20 (age 50)	Female	$1,995	$37,117
	Male	$2,116	$41,447
25 (age 55)	Female	$1,995	$52,310
	Male	$2,116	$57,927
30 (age 60)	Female	$1,995	$69,580
	Male	$2,116	$76,765
35 (age 65)	Female	$1,995	$89,195
	Male	$2,116	$97,950
40 (age 70)	Female	$1,995	$111,112
	Male	$2,116	$120,992
45 (age 75)	Female	$1,995	$135,000
	Male	$2,116	$145,127
50 (age 80)	Female	$1,995	$159,520
	Male	$2,116	$168,925
55 (age 85)	Female	$1,995	$182,667
	Male	$2,116	$191,032
60 (age 90)	Female	$1,995	$202,137
	Male	$2,116	$208,450

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 41)	Female	$2,937	$0
	Male	$3,218	$0
5 (age 45)	Female	$2,937	$6,447
	Male	$3,218	$7,317
10 (age 50)	Female	$2,937	$20,587
	Male	$3,218	$22,805
15 (age 55)	Female	$2,937	$36,940
	Male	$3,218	$40,727
20 (age 60)	Female	$2,937	$55,525
	Male	$3,218	$61,215
25 (age 65)	Female	$2,937	$76,632
	Male	$3,218	$84,252
30 (age 70)	Female	$2,937	$100,222
	Male	$3,218	$109,312
35 (age 75)	Female	$2,937	$125,932
	Male	$3,218	$135,562
40 (age 80)	Female	$2,937	$152,330
	Male	$3,218	$161,450
45 (age 85)	Female	$2,937	$177,257
	Male	$3,218	$185,500
50 (age 90)	Female	$2,937	$198,262
	Male	$3,218	$204,485

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 51)	Female	$4,459	$0
	Male	$5,127	$0
5 (age 55)	Female	$4,459	$11,280
	Male	$5,127	$12,575
10 (age 60)	Female	$4,459	$32,060
	Male	$5,127	$35,762
15 (age 65)	Female	$4,459	$55,665
	Male	$5,127	$61,835
20 (age 70)	Female	$4,459	$82,042
	Male	$5,127	$90,197
25 (age 75)	Female	$4,459	$110,795
	Male	$5,127	$119,907
30 (age 80)	Female	$4,459	$140,322
	Male	$5,127	$149,210
35 (age 85)	Female	$4,459	$168,222
	Male	$5,127	$176,450
40 (age 90)	Female	$4,459	$191,790
	Male	$5,127	$197,997

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 61)	Female	$6,510	$0
	Male	$7,818	$0
5 (age 65)	Female	$6,510	$18,240
	Male	$7,818	$20,627
10 (age 70)	Female	$6,510	$49,597
	Male	$7,818	$55,060
15 (age 75)	Female	$6,510	$83,782
	Male	$7,818	$91,130
20 (age 80)	Female	$6,510	$118,895
	Male	$7,818	$126,715
25 (age 85)	Female	$6,510	$152,100
	Male	$7,818	$159,810
30 (age 90)	Female	$6,510	$180,240
	Male	$7,818	$186,070

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 71)	Female	$11,569	$0
	Male	$13,262	$0
5 (age 75)	Female	$11,569	$29,997
	Male	$13,262	$33,755
10 (age 80)	Female	$11,569	$76,230
	Male	$13,262	$81,862
15 (age 85)	Female	$11,569	$120,000
	Male	$13,262	$126,637
20 (age 90)	Female	$11,569	$157,245
	Male	$13,262	$162,290
Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 01/22/2026. Illustrated values are for a $250,000 non-participating whole life policy.

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $250,000 non-participating whole life policy.

$500,000 whole life insurance cash value chart (non-participating)

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 31)	Female	$3,932	$0
	Male	$4,170	$0
5 (age 35)	Female	$3,932	$7,385
	Male	$4,170	$9,135
10 (age 40)	Female	$3,932	$25,930
	Male	$4,170	$30,165
15 (age 45)	Female	$3,932	$47,955
	Male	$4,170	$54,415
20 (age 50)	Female	$3,932	$74,235
	Male	$4,170	$82,895
25 (age 55)	Female	$3,932	$104,620
	Male	$4,170	$115,855
30 (age 60)	Female	$3,932	$139,160
	Male	$4,170	$153,530
35 (age 65)	Female	$3,932	$178,390
	Male	$4,170	$195,900
40 (age 70)	Female	$3,932	$222,225
	Male	$4,170	$241,985
45 (age 75)	Female	$3,932	$270,000
	Male	$4,170	$290,255
50 (age 80)	Female	$3,932	$319,040
	Male	$4,170	$337,850
55 (age 85)	Female	$3,932	$365,335
	Male	$4,170	$382,065
60 (age 90)	Female	$3,932	$404,275
	Male	$4,170	$416,900

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 41)	Female	$5,811	$0
	Male	$6,373	$0
5 (age 45)	Female	$5,811	$12,895
	Male	$6,373	$14,635
10 (age 50)	Female	$5,811	$41,175
	Male	$6,373	$45,610
15 (age 55)	Female	$5,811	$73,880
	Male	$6,373	$81,455
20 (age 60)	Female	$5,811	$111,050
	Male	$6,373	$122,430
25 (age 65)	Female	$5,811	$153,265
	Male	$6,373	$168,505
30 (age 70)	Female	$5,811	$200,445
	Male	$6,373	$218,625
35 (age 75)	Female	$5,811	$251,865
	Male	$6,373	$271,125
40 (age 80)	Female	$5,811	$304,660
	Male	$6,373	$322,900
45 (age 85)	Female	$5,811	$354,515
	Male	$6,373	$371,000
50 (age 90)	Female	$5,811	$396,525
	Male	$6,373	$408,970

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 51)	Female	$8,850	$0
	Male	$10,191	$0
5 (age 55)	Female	$8,850	$22,560
	Male	$10,191	$25,150
10 (age 60)	Female	$8,850	$64,120
	Male	$10,191	$71,525
15 (age 65)	Female	$8,850	$111,330
	Male	$10,191	$123,670
20 (age 70)	Female	$8,850	$164,085
	Male	$10,191	$180,395
25 (age 75)	Female	$8,850	$221,590
	Male	$10,191	$239,815
30 (age 80)	Female	$8,850	$280,645
	Male	$10,191	$298,420
35 (age 85)	Female	$8,850	$336,445
	Male	$10,191	$352,900
40 (age 90)	Female	$8,850	$383,580
	Male	$10,191	$395,995

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 61)	Female	$12,952	$0
	Male	$15,563	$0
5 (age 65)	Female	$12,952	$36,480
	Male	$15,563	$41,255
10 (age 70)	Female	$12,952	$99,195
	Male	$15,563	$110,120
15 (age 75)	Female	$12,952	$167,565
	Male	$15,563	$182,260
20 (age 80)	Female	$12,952	$237,790
	Male	$15,563	$253,430
25 (age 85)	Female	$12,952	$304,200
	Male	$15,563	$319,620
30 (age 90)	Female	$12,952	$360,480
	Male	$15,563	$372,140

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 71)	Female	$23,035	$0
	Male	$26,425	$0
5 (age 75)	Female	$23,035	$59,995
	Male	$26,425	$67,510
10 (age 80)	Female	$23,035	$152,460
	Male	$26,425	$163,725
15 (age 85)	Female	$23,035	$240,000
	Male	$26,425	$253,275
20 (age 90)	Female	$23,035	$314,490
	Male	$26,425	$324,580

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $500,000 non-participating whole life policy.

$1,000,000 whole life insurance cash value chart (non-participating)

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 31)	Female	$7,833	$0
	Male	$8,308	$0
5 (age 35)	Female	$7,833	$14,770
	Male	$8,308	$18,270
10 (age 40)	Female	$7,833	$51,860
	Male	$8,308	$60,330
15 (age 45)	Female	$7,833	$95,910
	Male	$8,308	$108,830
20 (age 50)	Female	$7,833	$148,470
	Male	$8,308	$165,790
25 (age 55)	Female	$7,833	$209,240
	Male	$8,308	$231,710
30 (age 60)	Female	$7,833	$278,320
	Male	$8,308	$307,060
35 (age 65)	Female	$7,833	$356,780
	Male	$8,308	$391,800
40 (age 70)	Female	$7,833	$444,450
	Male	$8,308	$483,970
45 (age 75)	Female	$7,833	$540,000
	Male	$8,308	$580,510
50 (age 80)	Female	$7,833	$638,080
	Male	$8,308	$675,700
55 (age 85)	Female	$7,833	$730,670
	Male	$8,308	$764,130
60 (age 90)	Female	$7,833	$808,550
	Male	$8,308	$833,800

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 41)	Female	$11,590	$0
	Male	$12,715	$0
5 (age 45)	Female	$11,590	$25,790
	Male	$12,715	$29,270
10 (age 50)	Female	$11,590	$82,350
	Male	$12,715	$91,220
15 (age 55)	Female	$11,590	$147,760
	Male	$12,715	$162,910
20 (age 60)	Female	$11,590	$222,100
	Male	$12,715	$244,860
25 (age 65)	Female	$11,590	$306,530
	Male	$12,715	$337,010
30 (age 70)	Female	$11,590	$400,890
	Male	$12,715	$437,250
35 (age 75)	Female	$11,590	$503,730
	Male	$12,715	$542,250
40 (age 80)	Female	$11,590	$609,320
	Male	$12,715	$645,800
45 (age 85)	Female	$11,590	$709,030
	Male	$12,715	$742,000
50 (age 90)	Female	$11,590	$793,050
	Male	$12,715	$817,940

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 51)	Female	$17,668	$0
	Male	$20,352	$0
5 (age 55)	Female	$17,668	$45,120
	Male	$20,352	$50,300
10 (age 60)	Female	$17,668	$128,240
	Male	$20,352	$143,050
15 (age 65)	Female	$17,668	$222,660
	Male	$20,352	$247,340
20 (age 70)	Female	$17,668	$328,170
	Male	$20,352	$360,790
25 (age 75)	Female	$17,668	$443,180
	Male	$20,352	$479,630
30 (age 80)	Female	$17,668	$561,290
	Male	$20,352	$596,840
35 (age 85)	Female	$17,668	$672,890
	Male	$20,352	$705,800
40 (age 90)	Female	$17,668	$767,160
	Male	$20,352	$791,990

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 61)	Female	$25,873	$0
	Male	$31,095	$0
5 (age 65)	Female	$25,873	$72,960
	Male	$31,095	$82,510
10 (age 70)	Female	$25,873	$198,390
	Male	$31,095	$220,240
15 (age 75)	Female	$25,873	$335,130
	Male	$31,095	$364,520
20 (age 80)	Female	$25,873	$475,580
	Male	$31,095	$506,860
25 (age 85)	Female	$25,873	$608,400
	Male	$31,095	$639,240
30 (age 90)	Female	$25,873	$720,960
	Male	$31,095	$744,280

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 71)	Female	$46,038	$0
	Male	$52,818	$0
5 (age 75)	Female	$46,038	$119,990
	Male	$52,818	$135,020
10 (age 80)	Female	$46,038	$304,920
	Male	$52,818	$327,450
15 (age 85)	Female	$46,038	$480,000
	Male	$52,818	$506,550
20 (age 90)	Female	$46,038	$628,980
	Male	$52,818	$649,160

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $1,000,000 non-participating whole life policy.

Final Expense Whole Life Insurance Cash Value Charts

Final expense policies are a type of whole life insurance, which means they build cash value. It’s important to know that the purpose of these policies is to have lifelong coverage that will surely be there to pay off your end-of-life expenses.

They are not built for optimal cash value growth. While they do build cash value, it’s minimal, and you should view it as icing on the cake rather than a reason to buy this type of policy.

Below are some sample cash value charts for final expense plans.

$10,000 final expense whole life cash value chart

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 31)	Female	$190	$0
	Male	$221	$0
5 (age 35)	Female	$190	$147
	Male	$221	$182
10 (age 40)	Female	$190	$518
	Male	$221	$603
15 (age 45)	Female	$190	$958
	Male	$221	$1,088
20 (age 50)	Female	$190	$1,484
	Male	$221	$1,657
25 (age 55)	Female	$190	$2,091
	Male	$221	$2,316
30 (age 60)	Female	$190	$2,782
	Male	$221	$3,070
35 (age 65)	Female	$190	$3,566
	Male	$221	$3,917
40 (age 70)	Female	$190	$4,442
	Male	$221	$4,838
45 (age 75)	Female	$190	$5,397
	Male	$221	$5,803
50 (age 80)	Female	$190	$6,377
	Male	$221	$6,755
55 (age 85)	Female	$190	$7,300
	Male	$221	$7,637
60 (age 90)	Female	$190	$8,074
	Male	$221	$8,330

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 41)	Female	$246	$0
	Male	$290	$0
5 (age 45)	Female	$246	$257
	Male	$290	$292
10 (age 50)	Female	$246	$823
	Male	$290	$911
15 (age 55)	Female	$246	$1,476
	Male	$290	$1,628
20 (age 60)	Female	$246	$2,219
	Male	$290	$2,447
25 (age 65)	Female	$246	$3,063
	Male	$290	$3,369
30 (age 70)	Female	$246	$4,006
	Male	$290	$4,371
35 (age 75)	Female	$246	$5,033
	Male	$290	$5,420
40 (age 80)	Female	$246	$6,087
	Male	$290	$6,455
45 (age 85)	Female	$246	$7,081
	Male	$290	$7,415
50 (age 90)	Female	$246	$7,913
	Male	$290	$8,168

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 51)	Female	$282	$0
	Male	$356	$0
5 (age 55)	Female	$282	$450
	Male	$356	$502
10 (age 60)	Female	$282	$1,281
	Male	$356	$1,429
15 (age 65)	Female	$282	$2,224
	Male	$356	$2,472
20 (age 70)	Female	$282	$3,278
	Male	$356	$3,606
25 (age 75)	Female	$282	$4,426
	Male	$356	$4,793
30 (age 80)	Female	$282	$5,604
	Male	$356	$5,964
35 (age 85)	Female	$282	$6,715
	Male	$356	$7,050
40 (age 90)	Female	$282	$7,645
	Male	$356	$7,902

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 61)	Female	$381	$0
	Male	$506	$0
5 (age 65)	Female	$381	$728
	Male	$506	$824
10 (age 70)	Female	$381	$1,979
	Male	$506	$2,200
15 (age 75)	Female	$381	$3,344
	Male	$506	$3,641
20 (age 80)	Female	$381	$4,743
	Male	$506	$5,062
25 (age 85)	Female	$381	$6,063
	Male	$506	$6,380
30 (age 90)	Female	$381	$7,168
	Male	$506	$7,414

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 71)	Female	$615	$0
	Male	$812	$0
5 (age 75)	Female	$615	$1,193
	Male	$812	$1,346
10 (age 80)	Female	$615	$3,032
	Male	$812	$3,265
15 (age 85)	Female	$615	$4,767
	Male	$812	$5,046
20 (age 90)	Female	$615	$6,219
	Male	$812	$6,442

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $10,000 final expense whole life policy.

$25,000 final expense whole life cash value chart

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 31)	Female	$412	$0
	Male	$490	$0
5 (age 35)	Female	$412	$369
	Male	$490	$456
10 (age 40)	Female	$412	$1,295
	Male	$490	$1,508
15 (age 45)	Female	$412	$2,396
	Male	$490	$2,720
20 (age 50)	Female	$412	$3,710
	Male	$490	$4,144
25 (age 55)	Female	$412	$5,229
	Male	$490	$5,791
30 (age 60)	Female	$412	$6,955
	Male	$490	$7,675
35 (age 65)	Female	$412	$8,915
	Male	$490	$9,793
40 (age 70)	Female	$412	$11,106
	Male	$490	$12,096
45 (age 75)	Female	$412	$13,493
	Male	$490	$14,509
50 (age 80)	Female	$412	$15,942
	Male	$490	$16,887
55 (age 85)	Female	$412	$18,252
	Male	$490	$19,094
60 (age 90)	Female	$412	$20,185
	Male	$490	$20,826

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 41)	Female	$552	$0
	Male	$660	$0
5 (age 45)	Female	$552	$644
	Male	$660	$731
10 (age 50)	Female	$552	$2,057
	Male	$660	$2,279
15 (age 55)	Female	$552	$3,691
	Male	$660	$4,071
20 (age 60)	Female	$552	$5,548
	Male	$660	$6,119
25 (age 65)	Female	$552	$7,658
	Male	$660	$8,422
30 (age 70)	Female	$552	$10,015
	Male	$660	$10,928
35 (age 75)	Female	$552	$12,583
	Male	$660	$13,551
40 (age 80)	Female	$552	$15,219
	Male	$660	$16,137
45 (age 85)	Female	$552	$17,703
	Male	$660	$18,537
50 (age 90)	Female	$552	$19,784
	Male	$660	$20,420

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 51)	Female	$642	$0
	Male	$825	$0
5 (age 55)	Female	$642	$1,126
	Male	$825	$1,257
10 (age 60)	Female	$642	$3,202
	Male	$825	$3,574
15 (age 65)	Female	$642	$5,560
	Male	$825	$6,180
20 (age 70)	Female	$642	$8,195
	Male	$825	$9,015
25 (age 75)	Female	$642	$11,065
	Male	$825	$11,984
30 (age 80)	Female	$642	$14,011
	Male	$825	$14,910
35 (age 85)	Female	$642	$16,789
	Male	$825	$17,626
40 (age 90)	Female	$642	$19,114
	Male	$825	$19,756

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 61)	Female	$888	$0
	Male	$1,202	$0
5 (age 65)	Female	$888	$1,820
	Male	$1,202	$2,060
10 (age 70)	Female	$888	$4,949
	Male	$1,202	$5,501
15 (age 75)	Female	$888	$8,359
	Male	$1,202	$9,103
20 (age 80)	Female	$888	$11,859
	Male	$1,202	$12,655
25 (age 85)	Female	$888	$15,159
	Male	$1,202	$15,951
30 (age 90)	Female	$888	$17,921
	Male	$1,202	$18,536

End Of Policy Year	Gender	Annual Premium	Cash Value
1 (age 71)	Female	$1,475	$0
	Male	$1,966	$0
5 (age 75)	Female	$1,475	$2,982
	Male	$1,966	$3,366
10 (age 80)	Female	$1,475	$7,582
	Male	$1,966	$8,163
15 (age 85)	Female	$1,475	$11,919
	Male	$1,966	$12,615
20 (age 90)	Female	$1,475	$15,549
	Male	$1,966	$16,107

Rates are calculated at a non-tobacco preferred rating, rounded to the nearest dollar, and are valid as of 03/09/2026. Illustrated values are for a $25,000 final expense whole life policy.

How The Cash Value Can Be Used

The owner of a whole life insurance policy is entitled to use the cash value however they desire. Here are the various ways cash value can be utilized:

Loans: You can withdraw any of the cash value and spend the money however you prefer. When you withdraw cash value from a life insurance policy, it counts as a loan against the policy. Loans do not have to be repaid, but they will reduce the death benefit. For example, if you have a $50,000 life insurance policy and have an outstanding $10,000 loan, the insurer will only pay out $40,000 when you die. Loans also accrue interest (typically about 2%), so it’s best to pay them back to keep the loan balance from continually growing over time.
Pay premiums: The cash value can be used to pay your policy premiums.
Automatic premium loan: This helpful feature automatically withdraws some of your cash value to pay policy premiums when you fail to do so. The point of this feature is to keep the policy from lapsing due to non-payment. If you choose to enable this feature, the policy will withdraw cash value to keep the policy in force until the cash value runs out.
Reduced paid-up life insurance: This option lets you convert your policy to paid-up life insurance. The cash value is converted into a corresponding amount of paid-up life insurance. How much life insurance you get depends on how much cash value you have when you exercise this option. For example, if you have $50,000 in cash value, it will likely convert to roughly $75,000-$120,000 of paid-up life insurance.
Additional paid-up life insurance: If your policy pays dividends, you can opt to use them to buy PUA’s (additional paid-up life insurance). In essence, instead of taking the dividend as cash, you opt to increase the death benefit.
Cash payment: If you have a dividend-paying policy, you can request that the money be sent to you to spend however you’d like.

When Is Whole Life The Right Policy To Buy?

Whole life insurance is a type of life insurance that is right for those who want lifetime coverage with a guaranteed fixed price and rate of cash value growth. For example, whole life is an ideal option if you need it to cover your funeral expenses, want to leave money to a surviving spouse who depends on your income, or have estate planning needs.

However, it’s important to compare whole life vs term life insurance before you make any final decisions. Term life insurance is significantly less expensive for a much larger death benefit. However, term life insurance expires after a number of years, unlike whole life insurance.

Ultimately, term life insurance is a suitable option for those who need to cover a temporary liability, such as income replacement, or pay off debts, such as a mortgage.

Frequently Asked Questions

Do you have to pay taxes on cash value?

Cash value grows tax-deferred. Furthermore, it’s virtually impossible to incur a tax burden on cash value withdrawals because the IRS does not treat them as income. The only time cash value withdrawals will be considered income is when the amount exceeds the total premiums you’ve paid into the policy (which will essentially never happen).

Does the cash value ever decrease?

The cash value in a whole life policy is guaranteed to increase. It cannot decrease on its own. The only way the cash value in a whole life policy could decrease is if the policy owner elected to withdraw it or utilize it to pay policy premiums.

What happens to the cash value after you die?

The cash value in a whole life policy is only pertinent while you’re alive. It can be used in various ways outlined above, all of which are when you’re living. After you die, it becomes null and void and does not pay out in addition to the death benefit.

What happens to the cash value in a whole life policy when you cancel?

When you cancel a whole life policy, the insurer will refund you the net surrender value, which is normally equivalent to the current cash value.

Does term life insurance have cash value?

Term life insurance does not accrue cash value. Only permanent life insurance policies (whole life and universal life) accumulate cash value.

Anthony Martin

Choice Mutual CEO & Writer

Author

Nationally licensed life insurance agent with over 16 years of experience.
Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.

Anthony Martin is a nationally licensed insurance expert with over 16 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.

Jeff Root

Life Insurance Expert, Choice Mutual Fact Checker

Editor

Nationally licensed life insurance agent with over 20 years of experience
Best selling Amazon author.

Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.

David Duford

Life Insurance Expert, Choice Mutual Fact Checker

Editor

Nationally licensed life insurance agent with over 15 years of experience
Best selling Amazon author of five insurance sales books.

David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.

Jeff Root

Life Insurance Expert, Choice Mutual Fact Checker

Editor

Nationally licensed life insurance agent with over 20 years of experience
Best selling Amazon author.

David Duford

Life Insurance Expert, Choice Mutual Fact Checker

Editor

Nationally licensed life insurance agent with over 15 years of experience
Best selling Amazon author of five insurance sales books.

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Table Of Contents

What factors influence cash value growth?
Dividend-paying whole life cash value charts
Non-dividend-paying whole life cash value charts
Final expense whole life cash value charts
How you can use the cash value
Is whole life insurance right for you?
FAQs

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