Raider Family

BUILD CASH VALUES

WHAT'S IT WORTH?

CAN I DO BETTER?

Whole Life Policy ‐ Base Funding

Scenario A

After Tax

12.36%

7.78%

5.75%

4.78%

Base 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 200,000 200,104 200,571 201,195 201,951 202,757 203,761 204,957 206,433 208,407 210,862 213,792 217,192 221,057 225,355 230,062 235,142 240,576 246,362 252,409 258,576 264,888 271,343 277,949 284,718 291,649 298,744 305,997 313,413 321,009 328,816 336,858 345,146 353,687 362,473 371,507 380,806 390,382 396,140 402,199 408,569 415,267 422,304 429,707 437,470 445,626 454,214 463,248 472,721 482,610 492,885 503,534 514,581 526,067 538,023 550,564

Yr Age

Premium Cash Value

Age 60

Age 70

Age 80

Age 50

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

2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,430

0 0

0

2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490

2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490

2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,430

2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,490 2,430

104

840

1,091 3,077 5,114 7,366 9,730

2,626 4,454 6,432 8,456

10,524 12,634 14,786 16,982 19,220 21,502 23,828 26,208 28,654 31,166 33,750 36,406 39,138 41,736 44,408 47,150 49,958 52,830 55,764 58,762 61,818 64,930 68,098 71,318 74,584 77,892 81,236 84,612 88,016 91,442 94,894 98,372 101,878 105,412 108,968 112,538 116,106 119,660 123,186 126,674 130,126 133,540 136,922 140,272 143,588 146,860 150,074 153,236 156,302

12,209 14,895 17,796 20,922 24,280 27,888 31,748 35,875 40,283 44,977 49,971 55,284 60,838 66,447 72,330 78,488 84,936 91,681 98,729 106,095 113,775 121,788 130,148 138,885 148,007 157,525 167,445 177,765 188,498 199,661 211,272 220,822 230,758 241,104 251,877 263,076 274,717 286,770 299,262 312,211 325,635 339,538 353,926 368,786 384,117 399,936 416,258 433,120 450,545

‐ 271,343

‐ 345,146

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

‐ 422,304

‐ 514,581

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.