Life Insurance and College Savings Plan

Dr Rachel Clopton

Annual Premium

   Guaranteed Level Term Insurance

Guardian Life

Annual Premiums / Pref Best Risk

$2M

$2M 2,000,000

Policy

Att Age

Year

Carrier

10 Year

20 Year

To Age 95

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

Lincoln 1

448 475 465 463 828 755 819 663

794 837 811 851

Protective 1 Principal 1 Securian 1

8,801

Lincoln 2

1,174 1,197 1,255 1,091 1,540 3,040

Protective 2 Principal 2 Securian 2

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

Guardian 1 Guardian 2

900

1,980

Carrier 1 Carrier 2

Convertible to end of initial Level Period Convertible with Waiver of Premium

Term Life Face Amount

Net Amount @ Risk    

    Annual Increasing     Term Premium

$$$  

       Increasing Pure        Mortality Risk is        Not Offset by Any        Guar Cash Values

38

100

Insured's Age

58

95