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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