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CFA’s Rate of Return (ROR) service estimates ” true” investment returns on any cash value life insurance policy — whole life, universal life or variable life. Using the Linton Yield Method, these returns are found by imputing values to the death protection, using market term life rates, and then deriving estimated investment returns on the cash values. You receive a computer printout showing average annual RORs for policy holding periods of (usually) 5, 10, 15, and 20 years. We also send a four-page explanation that includes much valuable information relevant to buying or owning cash value life insurance.