My question is, I have a pair of clients, male and female, who each have a $100,000 whole life insurance policy. The cash value in His policy is $8750 while the cash value in hers is $8350. The monthly premium for his policy is $92 per month and hers is $80 per month. At the beginning of last year, the cash value of his policy was $7850 and hers was $7500. They both recieved a dividend in the policy equal to $250 each. The equivalent tax rate of return is 5.50% for each policy. They are both 42 years old. What is the yearly cost per thousand for each policy and what is the calculations used. Are they over or underpaying for each policy? I need someone who really understands this to answer. I trust the Transtutors brainpower. Are you up to the challenge? Please provide a graphic representation if you can. What is the yearly price per thousand per person. How does their premium compare to the Benchmark premium based on the yearly-price-per-thousand formula?