Life Insurance and College Savings Plan

Dr Rachel Clopton

Invest Inc Tax Rate 35% Guardian 2019 Divs 5.85%

Effective Rates of Return on All Cash Flows

Guardian Life

To Age 56

To Age 70

Required

Voluntary

Minimum Additional

Total

Total

Policy

Att Age

Annual Annual Premium Premium Premium Premium Annual Annual

Year

Equiv Gross >

3.18% 2.07% 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

13.13%

17.49% 11.37%

9.74% 6.33%

Net Yield >

8.54%

24,133 24,133 24,133 24,133 24,133 24,133 24,133 24,133 ‐32,500 ‐32,500 ‐65,000 ‐65,000 ‐32,500 ‐32,500 ‐32,500 ‐32,500 ‐32,500 ‐32,500

36,533 36,533 36,533 36,533 36,533 36,533 36,533 36,533 ‐20,100 ‐20,100 ‐52,600 ‐52,600 ‐20,100 ‐20,100 ‐20,100 ‐32,500 ‐32,500 ‐32,500 ‐862,226

36,533 36,533 36,533 36,533 36,533 36,533 36,533 36,533 ‐20,100 ‐20,100 ‐52,600 ‐52,600 ‐20,100 ‐20,100 ‐20,100 ‐32,500 ‐32,500 ‐32,500

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

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

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

‐679,830

0

0 ‐431,895

58

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