Raider Family

BUILD CASH VALUES

WHAT'S IT WORTH?

CAN I DO BETTER?

Whole Life Policy ‐ Base + Excess Funding

Scenario A

After Tax

11.47% 7.56%

5.73%

4.84%

Base + Excess Funded Whole Life

Rate of Return ( Net IRR )

After Tax Return on ALL Cash Flow to Mortality . . .

Att

Base

Guar

Current Cash Val

Net Srvr Benefit 211,533 222,955 234,769 246,685 258,690 270,717 282,926 295,323 308,008 321,214 334,935 349,177 363,944 379,247 395,053 411,331 428,035 445,138 462,643 480,466 498,472 516,704 535,165 553,871 572,844 592,088 611,615 631,417 651,506 671,918 692,714 713,953 735,659 757,851 780,517 802,223 823,745 845,824 861,886 878,569 895,889 913,885 932,584 952,045 972,266 993,318

Yr Age

Premium Cash Value

Age 55

Age 65

Age 75

Age 45

1 28 2 29 3 30 4 31 5 32 6 33 7 34 8 35 9 36 10 37 11 38 12 39 13 40 14 41 15 42 16 43 17 44 18 45 19 46 20 47 21 48 22 49 23 50 24 51 25 52 26 53 27 54 28 55 29 56 30 57 31 58 32 59 33 60 34 61 35 62 36 63 37 64 38 65 39 66 40 67 41 68 42 69 43 70 44 71 45 72 46 73 47 74 48 75 49 76 50 77 51 78 52 79 53 80 54 81 55 82 56 83

5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 4,639 4,168 4,068

2,739 5,551 9,279

2,739 5,740 9,761

5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564

5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564

5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 4,639 4,168 4,068

5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 5,564 4,639 4,168 4,068

14,031 18,902 24,004 29,233 34,588 40,066 45,671 51,403 57,264 63,253 69,373 75,640 82,075 88,679 95,461 102,427 109,582 116,721 124,057 131,583 139,296 147,191 155,266 163,528 171,965 180,577 189,359 198,311 207,416 216,669 226,059 235,575 244,387 252,871 261,438 268,829 276,281 283,796 291,364 298,960 306,562 314,136 321,658 329,107 336,481 343,782 351,022 358,199 365,306 372,326 379,230 386,027

14,926 20,294 26,036 32,060 38,374 45,080 52,194 59,734 67,720 76,178 85,117 94,566 104,552 115,084 126,189 137,903 150,158 162,788 176,034 189,903 204,427 219,620 235,503 252,111 269,442 287,533 306,415 326,158 346,775 368,299 390,744 414,106 437,589 461,604 486,587 508,535 531,382 555,180 579,973 605,755 632,575 660,360 689,184

‐ 535,165

‐ 735,659

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 0 0 0 0

‐ 932,584

719,081 1,015,287 750,089 1,038,210 782,230 1,062,083 815,513 1,086,861 849,919 1,112,486 885,443 1,138,934 922,124 1,166,264 960,008 1,194,570 999,165 1,223,919

‐ 1,166,264

392,627 1,039,652 1,254,568

See Presentation Appendix for Home Office Illustrations including Details of All Policy Features, Benefits and Costs.

Male Age 28, Preferred Plus NT

Guardian Life Insurance Company of America

11/14/22

Policy Values Reflect Dividernds. Dividends are Not Guaranteed.