How to Calculate Yield Rate for a insurance Policy

Friends,

I am trying to calculate yield rate for insurance policy in excel sheet. What I mean by yield rate is elaborated below;

Say I have taken an Insurance policy of x amount.
I am paying annual premium of say y amount, every year
I have paid annual premium for say 15 years
I get maturity amount after 15 years say z
I want to know what is the yield rate I got on the maturity amount for the amounts paid by me over 15 years.

I know that you might suggest a formula and I would rather appreciate, if you can provide me an excel template that would help me calculate yield rate, without making mistake in putting up formula.

I appreciate your time and attention.

With regards ::: Jack

Hello !!!!
Anybody who can help....please ?

hello Jack,

check out the link below:
http://www.spreadsheetzone.com/templateview.aspx?i=146

there is an excel template for free download.

best wishes..

SSM