Life Insurance and College Savings Plan
Master Ayan Patel
Minimum Premium
$3M Whole Life / Base
Guardian Life
Required Guaranteed
Projected
Projected
Total Cash Value
Minimum
Total Cash Value
Net
Policy
Att Age
Annual
Death Benefit
Year
Premium
1 2 3 4 5 6 7 8 9
1 2 3 4 5 6 7 8 9
14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710
0 0 0 0
0
3,000,000 3,003,810 3,057,947 3,110,526 3,161,061 3,210,993 3,260,689 3,310,677 3,370,105 3,438,637 3,793,442 3,900,313 3,882,122 3,867,351 3,855,218 3,845,278 3,837,215 3,821,867 3,823,353 3,972,584 3,994,171 4,017,309 5,075,872 5,150,765 3,901,767
3,810 7,787 11,894 16,428 32,055 48,437 66,434 86,102 107,593 211,554 242,070 258,321 275,035 292,413 310,560 329,592 423,618 445,265
180
11,160 22,620 34,530 46,860 59,730 114,840 129,300 143,970 158,880 174,180 189,990 206,400 282,360 299,250
10
10
14 15 16 17 18 19 20 25 26 39 40 41 64 65 35
14 15 16 17 18 19 20 25 26 39 40 41 64 65 35
485,010
697,389
589,320 617,550 646,590
849,909 892,601 937,184
1,537,650 1,582,860
2,699,477 2,816,359
70
70
14,710
1,814,550
3,469,244
5,569,562
75
75
14,710
2,048,280
4,243,114
6,070,271
80
80
14,710
2,269,410
5,142,702
6,675,649
85 86 87 88 89 90
85 86 87 88 89 90
14,710 14,710 14,710 14,710 14,710 14,710
2,458,920 2,492,280 2,523,750 2,553,330 2,581,170 2,607,450
6,161,654 6,378,503 6,597,428 6,817,794 7,040,385 7,264,299
7,414,829 7,579,307 7,747,835 7,919,807 8,095,871 8,274,942
95
95
14,710
2,745,060
8,436,641
9,165,785
______________________ Policy Values Reflect Dividend Additions from Guardian Life's 2019 Dividend Scale Carrier Dividends are Never Guaranteed See Attached Home Office Illustration of All Policy Costs, Features and Benefits
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