Raider Family

FUND PERMANENT DEATH BENEFIT

LEVERAGE TAX DEFERRED SAVINGS

Whole Life Policy ‐ Base Funding

Whole Life Policy ‐ Benefit of Additions

Scenario A

Scenario B

Base Whole Life

Voluntary Additional Premium

Att

Total

Total Guar

Total Curr Cash Val

Net Srvr Benefit

Add'l Vol

Incr Guar

Incr Curr Cash Val

Add'l Net Cum Guar

Yr Age

Premium Cash Val

Premium Cash Val

Srvr Bnft

Liquid

1 28

2,490

0

0

200,000

3,074

2,739

2,739

11,533

89%

2 29

2,490

0

104

200,104

3,074

2,812

2,897

11,318

3 30

2,490

840

1,091

200,571

3,074

2,888

3,034

11,347

4 31

2,490

2,626

3,077

201,195

3,074

2,966

3,179

11,292

5 32

2,490

4,454

5,114

201,951

3,074

3,043

3,331

11,249

6 33

2,490

6,432

7,366

202,757

3,074

3,124

3,490

11,221

7 34

2,490

8,456

9,730

203,761

3,074

3,205

3,660

11,205

8 35

2,490

10,524

12,209

204,957

3,074

3,287

3,835

11,201

9 36

2,490

12,634

14,895

206,433

3,074

3,368

4,020

11,209

10 37

2,490

14,786

17,796

208,407

3,074

3,453

4,213

11,232

100%

Some Helpful Observations Term vs Whole Life

Best Time to Purchase a Term Insurance Policy is the Day Before you Die

Best Time to Purchase a Whole Life Policy is @ Youngest Age and Best Health ‐ Today

Term Insurance May Be Purchased and Later Converted to Whole Life @ Issuing Carrier Preserving Initial Risk Class

Whole Life Requires a Level Premium Funding Commitment to Achieve Value

Plan for Level Funding to Continue at least Half Way to Life Expectancy

Thereafter, Past and Future Dividends May Be Sufficient to Pay Current Premiums Due

Base Whole Life Funding Accumulates Guaranteed Cash Values Plus Future Dividend Earnings

** Voluntary Additional Funding Increases Living and Death Benefits Immediately

** Total Cash Values Maintain Their High Water Mark. They NEVER Reduce in Value

No Forfeiture of Value Occurs by Near Term Death Regardless of Over Funding Policy

Policy Cash Values May Be Accessed During Life Without Tax on Deferred Growth

Death (and Ultimately Living) Benefits Are Received Income Tax Free

Most Insureds Survive or Cancel Their Term Life Coverages and Forfeit Entire Premium Cost

** Whole Life Returns Total Premiums Paid Plus Substantial Additional Death Benefits

** Mutual Company Dividends Traditionally Derive Largely From Investment Grade & Government Bonds

** Guardian Life is the Only Carrier to Offer Dividend Participation in Indexed (Equity) Fund Performance

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.