The Cash Value Projections tool models how your policy cash values may grow over time based on your recorded snapshots and assumptions you provide.
What Cash Value Projections Does
This tool takes your recorded snapshot history and projects future cash value growth. It uses the growth patterns from your actual data combined with assumptions you set to model potential future values.
All projections carry the label Modeled · Illustrative · Not recorded. Projected values are estimates based on assumptions and are not guarantees of future performance. Actual results depend on carrier dividend scales and policy performance.
How to Use Cash Value Projections
- Navigate to Tools — click Tools in the sidebar, then select CV Projections
- Select a policy — choose which policy to project, or view a combined projection across all policies
- Set your assumptions — enter your assumed growth rate based on your carrier's historical dividend scale
- Choose a timeframe — select how many years into the future to project
- View the projection — review the chart showing your recorded values alongside projected future values
Reading the Results
The projection chart displays:
- Recorded values (solid line) — your actual cash values from snapshots, labeled Actual
- Projected values (dashed line) — modeled future cash values, labeled Projected
- Year-by-year breakdown — a table showing projected cash value, death benefit, and growth rate for each year
Adjusting Assumptions
You can adjust the assumed growth rate to explore different scenarios. This helps you compare:
- Conservative growth assumptions based on lower dividend scales
- Historical growth assumptions based on your carrier's track record
- Multiple scenarios side by side to see the range of possible outcomes
Record new snapshots regularly. The more data points the tool has, the more useful the projected trend becomes.