Whole Life with Excess Funding

Guardian Life Insurance Illustration

Planning Concept Based on the 2019 Dividend Scale Rachel Clopton, Female Age 38, Preferred Plus NT

Benefit

Premium ** $12,000.00

$1,000,000

Whole Life 99

Enhanced Accelerated Benefit Rider Paid Up Additions Rider (Scheduled) PUA Waiver of Premium ($23,410.00/year)

$23,410.00

$723.37 $400.00

Waiver of Premium

Index Participation Feature (50% initial allocation)

Total First Year Premium

$36,533.37

See schedule of Index Participation Feature allocation. Dividend Option: Paid Up Additions (D)

Guaranteed

Non-Guaranteed

AGE

BASE

BASE

AFTER NET

AT

POLICY GUAR.

TAX

AFTER CUM TAX NET A/T

NET

NET

START ANNUAL CASH

NET ANNUAL CUM LOAN

CASH DEATH

POL OF YR YEAR 1 38 2 39 3 40 4 41 5 42 6 43 7 44 8 45 9 46 10 47 11 48 12 49 13 50 14 51 15 52 16 53 17 54 18 55 19 56 20 57 21 58 22 59 23 60 24 61 25 62 26 63 27 64 28 65 29 66 30 67

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000

0 0

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 -15,143

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 36,533 0 36,533

36,533 73,067

23,028 1,107,682 47,620 1,211,590 80,006 1,314,995

6,530

0 36,533 109,600

16,960 27,720 39,310 51,260 63,570 76,210 89,190

0 36,533 146,133 117,758 1,416,777 0 36,533 182,667 157,416 1,517,528 0 36,533 219,200 199,548 1,617,444 0 36,533 255,734 244,210 1,717,032 0 36,533 292,267 291,556 1,817,685 0 -20,100 272,167 284,544 1,718,033 0 -20,100 252,067 277,520 1,625,506 0 -52,600 199,467 236,555 1,425,429 0 -52,600 146,867 193,845 1,232,593 0 -20,100 126,767 183,174 1,149,992 0 -20,100 106,667 172,131 1,069,546

12,000 102,500 12,000 116,130 12,000 130,060 12,000 144,310 12,000 158,850 12,000 173,680 12,000 188,800 12,000 204,220 12,000 219,900 12,000 235,860 12,000 250,910 12,000 266,220 12,000 281,800 12,000 297,640 12,000 313,740 12,000 330,130 12,000 346,780 12,000 363,690 12,000 380,860 12,000 398,270

5,254

5,254

297 -20,100

86,567 160,528 1,001,678

5,468 40,561 45,815 5,180 42,690 88,505 4,830 44,880 133,385 4,440 12,709 146,094 4,080 13,090 159,185 3,720 13,494 172,679 2,520 13,032 185,711 1,410 12,637 198,348 930 12,887 211,235 460 13,162 224,397 0 13,464 237,860 0 14,272 252,132 0 10,085 262,217

2,593 -32,500 5,010 -32,500

54,067 135,085 21,567 107,865

961,405 919,065 874,575 862,226 849,495 837,201 825,279 813,122 800,705 788,033 775,135 762,495 750,905 735,538 721,979

7,550 -32,500 -10,933

78,795 82,126 85,355 88,111 91,499 94,922 98,345

8,269 9,010

0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933

9,774

10,512 11,227 11,957 12,702 13,464 14,272 10,085 10,526 11,058

0 -10,933 101,773

0 -10,933 105,231 0 -10,933 108,672 0 -10,933 112,534 0 -10,933 116,398 0 -10,933 120,249

939

11,465 273,682

2,780 13,838 287,521

January 30, 2019 User ID: 54ghs ID:6969

Version: 2.21.0

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