Life Insurance and College Savings Plan

Dr Rachel Clopton

Minimum Premium

   $1M Base Whole Life

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

38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 85 86 87 88 89 90 80

12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,400 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000

0 0

0

1,000,000 1,000,200 1,001,099 1,002,112 1,003,686 1,005,875 1,009,058 1,014,487 1,022,207 1,032,172 1,044,334 1,058,701 1,075,233 1,093,845 1,114,548 1,100,603 1,087,925 1,076,297 1,065,747 1,056,233 1,047,732 1,040,199 1,033,551 1,027,776 1,022,847 1,018,741 1,015,437 1,013,763 1,012,874 1,012,770 1,013,457 1,014,944 1,017,250 1,162,791 1,180,279 1,198,363 1,217,032 1,236,145 1,255,325 1,089,081

200

6,530 16,960 27,720 39,310 51,260 63,570 76,210 89,190 102,500 116,130 130,060 144,310 158,850 173,680 188,800 204,220 219,900 235,860 250,910 266,220 281,800 297,640 313,740 330,130 346,780 363,690 380,860 398,270 415,900 433,740 451,760 722,020 738,560 754,390 769,610 784,280 798,940 635,670

6,940 17,721 29,011 41,307 54,590 68,942 84,388 100,990 118,807 137,906 158,294 180,083 203,293 214,544 226,186 238,277 250,794 263,766 276,044 288,768 301,979 315,679 329,888 344,650 359,958 376,264 393,186 410,745 428,948 447,830 467,402

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 48 49 50 51 52 53 43

705,112

854,948 887,248 919,736 952,402 985,200

1,018,402

58

95

12,000

886,500

1,195,065

1,337,038

          ______________________           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