Abdul and Debra Tannir Book 1
Sun Life Policy Evaluation
Complicated Questions. Simple Answers. Life Insured.
Abdul and Debra Tannir Sun Life Policy Evaluation April 12 , 2022
Gary H. Scholnick, CLU ChFC | Advanced income Strategies, LLC | o 248.723.1020 | f 248.723.1022
Abdul
Pay Loan Interest
Accrue Loan Interest
Sun Life Illustration 5
Sun Life Illustration 6
Prudential Life
Pol Policy Yr Year
Net
Net
Total
Projctd
Net
Net
Net
Total
Projctd
Net
Net
Total
Projctd
Net
Att
O/S Annual
Cash Death Future Gain @ Att
O/S Annual
Cash Death Future Gain @ Annual
Death Future Gain @
Age
Loan Outlay Value Benefit
Outlay Death
Age
Loan Outlay Value Benefit
Outlay Death
Outlay Benefit
Outlay Lifetime
29 03/21
or Death
30 03/22 68 259,306 6,946 34,236 331,268
68 259,306 6,946 34,236 331,268
16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000
31 03/23
69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97
4% 10,372 43,119 261,301 10,372 52,043 263,767 10,372 60,956 266,232 10,372 69,800 268,697 10,372 78,535 271,162 10,372 87,143 273,627 10,372 104,010 278,558 10,372 112,333 281,023 10,372 120,617 283,488 10,372 128,857 285,953 10,372 145,042 290,883 10,372 152,867 293,349 10,372 160,449 295,814 10,372 167,885 298,399 10,372 182,429 303,880 10,372 189,593 306,696 10,372 196,752 309,496 10,372 203,960 312,223 10,372 218,970 317,295 10,372 227,257 319,768 10,372 236,346 322,241 10,372 246,336 324,713 10,372 257,154 327,186 10,372 268,494 329,659 10,372 280,466 332,870
69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97
4% 4,336 37,083 255,265 4,062 39,455 251,179 4,382 41,874 247,150 4,748 44,331 243,228 5,149 46,824 239,452 5,564 49,356 235,840 6,359 54,555 229,102 6,710 57,237 225,927 7,029 59,974 222,845 7,338 62,754 219,850 8,027 68,387 214,228 8,433 71,205 211,687 8,870 74,019 209,384 9,304 76,835 207,324 10,066 82,517 203,836 10,365 85,410 202,319 10,583 88,364 200,861 10,722 91,403 199,385 10,668 97,887 195,936 10,440 101,434 193,685 10,082 105,234 190,887 9,654 109,294 187,451 9,275 113,565 183,399 9,104 117,926 178,917 9,332 122,191 174,384
32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59
10,372 95,625 276,092 79,552 196,540
5,976 51,930 232,398 41,163 191,235
16,798 500,000 134,384 365,616
10,372 137,017 288,418 131,413 157,005
7,667 65,564 216,966 76,266 140,700
16,798 500,000 218,374 281,626
10,372 175,203 301,100 183,274 117,826
9,708 79,664 205,487 120,608 84,879
16,798 500,000 302,364 197,636
10,372 211,307 314,822 235,135 79,687
10,758 94,562 197,787 173,102 24,685
16,798 500,000 386,354 113,646
Abdul
Pay Loan Interest
Sun Life Illustration 5
Prudential Life
Pol Policy Yr Year
Net
Net
Total
Projctd
Net
Net
Total
Projctd
Net
Att
O/S Annual
Cash Death Future Gain @
Annual
Death Future Gain @
Age
Loan Outlay Value Benefit
Outlay Death
Outlay Benefit
Outlay Lifetime
29 03/21
or Death
30 03/22 68 259,306 6,946 34,236 331,268
16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000 16,798 500,000
31 03/23
69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97
6% 15,558 43,119 261,301 15,558 52,043 263,767 15,558 60,956 266,232 15,558 69,800 268,697 15,558 78,535 271,162 15,558 87,143 273,627 15,558 104,010 278,558 15,558 112,333 281,023 15,558 120,617 283,488 15,558 128,857 285,953 15,558 145,042 290,883 15,558 152,867 293,349 15,558 160,449 295,814 15,558 167,885 298,399 15,558 182,429 303,880 15,558 189,593 306,696 15,558 196,752 309,496 15,558 203,960 312,223 15,558 218,970 317,295 15,558 227,257 319,768 15,558 236,346 322,241 15,558 246,336 324,713 15,558 257,154 327,186 15,558 268,494 329,659 15,558 280,466 332,870
32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59
15,558 95,625 276,092 115,855 160,237
16,798 500,000 134,384 365,616
15,558 137,017 288,418 193,646 94,772
16,798 500,000 218,374 281,626
15,558 175,203 301,100 271,438 29,662
16,798 500,000 302,364 197,636
15,558 211,307 314,822 349,230
‐ 34,408
16,798 500,000 386,354 113,646
Debra
Pay Loan Interest
Accrue Loan Interest
Sun Life Illustration 6
Sun Life Illustration 5
Prudential Life
Pol Policy Yr Year
Net
Net
Total
Projctd
Net
Net
Net
Total
Projctd
Net
Net
Total
Projctd
Net
Att
O/S Annual
Cash Death Future Gain @ Att
O/S Annual
Cash Death Future Gain @ Annual
Death Future Gain @
Age
Loan Outlay Value Benefit
Outlay Death
Age
Loan Outlay Value Benefit
Outlay Death
Outlay Benefit
Outlay Lifetime or Death
29 03/22 65 84,022
0 23,223 154,940
65 84,022
0 23,223 154,940
8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000
30 03/23
66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94
4% 3,363 26,684 122,426
66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94
4% 0 23,321 119,063
31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58
3,361 30,188 123,409 3,361 33,731 124,391 3,361 37,306 125,373 3,361 40,898 126,355 3,361 44,485 127,338 3,361 48,045 128,320 3,361 51,561 129,302 3,361 58,440 131,266 3,361 61,815 132,249 3,361 65,165 133,231 3,361 68,499 134,213 3,361 75,100 136,178 3,361 78,330 137,160 3,361 81,479 138,142 3,361 84,530 139,124 3,361 90,407 141,158 3,361 93,255 142,195 3,361 96,061 143,226 3,361 98,850 144,234 3,361 104,568 146,200 3,361 107,645 147,183 3,361 110,974 148,166 3,361 114,627 149,149 3,361 118,644 150,132
0 23,329 116,550 0 23,238 113,897 0 23,031 111,099 0 22,691 108,149 0 22,190 105,042 0 21,497 101,772 0 20,590 98,331 2,367 21,933 94,759 2,519 23,006 93,440 2,659 24,102 92,167 2,786 25,218 90,932 3,041 27,497 88,575 3,185 28,648 87,477 3,348 29,796 86,459 3,523 30,942 85,536 3,858 33,237 83,974 4,000 34,395 83,310 4,119 35,568 82,700 4,205 36,764 82,112 4,272 39,269 80,869 4,234 40,612 80,119 4,140 42,044 79,206 3,995 43,577 78,072 3,823 45,218 76,681
3,361 55,026 130,284 30,250 100,034
1,423 20,879 96,137 1,423 94,714
8,757 500,000 87,570 412,430
3,361 71,816 135,195 47,054 88,141
2,909 26,352 89,731 14,663 75,068
8,757 500,000 131,355 368,645
3,361 87,504 140,132 63,859 76,273
3,697 32,088 84,711 31,457 53,254
8,757 500,000 175,140 324,860
3,361 101,660 145,217 80,663 64,554
4,259 37,993 81,516 51,898 29,618
8,757 500,000 218,925 281,075
Debra
Pay Loan Interest
Sun Life Illustration 6
Prudential Life
Pol Policy Yr Year
Net
Net
Total
Projctd
Net
Net
Total
Projctd
Net
Att
O/S Annual
Cash Death Future Gain @
Annual
Death Future Gain @
Age
Loan Outlay Value Benefit
Outlay Death
Outlay Benefit
Outlay Lifetime or Death
29 03/22 65 84,022
0 23,223 154,940
8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000 8,757 500,000
30 03/23
66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94
6% 3,363 26,684 122,426
31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58
5,041 30,188 123,409 5,041 33,731 124,391 5,041 37,306 125,373 5,041 40,898 126,355 5,041 44,485 127,338 5,041 48,045 128,320 5,041 51,561 129,302 5,041 58,440 131,266 5,041 61,815 132,249 5,041 65,165 133,231 5,041 68,499 134,213 5,041 75,100 136,178 5,041 78,330 137,160 5,041 81,479 138,142 5,041 84,530 139,124 5,041 90,407 141,158 5,041 93,255 142,195 5,041 96,061 143,226 5,041 98,850 144,234 5,041 104,568 146,200 5,041 107,645 147,183 5,041 110,974 148,166 5,041 114,627 149,149 5,041 118,644 150,132
5,041 55,026 130,284 43,694 86,590
8,757 500,000 87,570 412,430
5,041 71,816 135,195 68,900 66,295
8,757 500,000 131,355 368,645
5,041 87,504 140,132 94,107 46,025
8,757 500,000 175,140 324,860
5,041 101,660 145,217 119,313 25,904
8,757 500,000 218,925 281,075
Complicated Questions. Simple Answers. Life Insured.
Gary H. Scholnick, CLU ChFC | Advanced income Strategies, LLC | o 248.723.1020 | f 248.723.1022
Made with FlippingBook Digital Publishing Software