Life Insurance and College Savings Plan

Master Ayan Patel

Invest Inc Tax Rate 35% Guardian 2019 Divs 5.85%

Effective Rates of Return on All Cash Flows

Guardian Life

To Age 40

To Age 65

Reqrd Min

Reqrd Min

Vol Add'l

Annual Total Ann'l Premium Premium Premium Premium Premium Simple Plan Smart Plan Smart Plan Smart Plan Smart Plan 6.92% 4.91% 8.55% 12.36% 8.32% Annual Annual Total Ann'l

Policy

Att Age

Year

Equiv Gross >

Net Yield >

4.50%

3.19%

5.56%

8.03%

5.41%

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

19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582

34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292

34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292 34,292

1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9

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

0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0

0 0

0 0

0 0

‐50,000 ‐50,000 ‐50,000

‐50,000 ‐50,000 ‐50,000

‐50,000 ‐50,000 ‐50,000

‐50,000

‐50,000

‐50,000

0

0

0

0

0

0

0

0

0

‐250,000

‐4,741,855

‐250,000

0

0

0

0

‐100,000

‐5,698,951

0

0

‐100,000

70

70

0

0

‐100,000

75

75

0

0

‐100,000

80

80

0 0 0 0 0

0 0 0 0 0

‐100,000 ‐100,000 ‐100,000 ‐100,000

85 86 87 88 89 90

85 86 87 88 89 90

‐8,274,942

‐2,934,144

95

95

          ______________________           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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