Whole Life with Excess Funding

Guardian Life Insurance Illustration Planning Concept Based on the 2019 Dividend Scale

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 31 68 32 69 33 70 34 71 35 72 36 73 37 74 38 75 39 76 40 77 41 78 42 79 43 80 44 81 45 82 46 83 47 84 48 85 49 86 50 87 51 88 52 89 53 90 54 91 55 92 56 93 57 94 58 95 59 96 60 97 61 98 62 99 63 100 64 101 65 102 66 103 67 104 68 105 69 106 70 107 71 108 72 109 73 110 74 111 75 112

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

12,000 415,900 12,000 433,740 12,000 451,760 12,000 469,900 12,000 488,140 12,000 506,460 12,000 524,840 12,000 543,270 12,000 561,730 12,000 580,210 12,000 598,700 12,000 617,190 12,000 635,670 12,000 653,740 12,000 671,320 12,000 688,580 12,000 705,490 12,000 722,020 12,000 738,560 12,000 754,390 12,000 769,610 12,000 784,280 12,000 798,940 12,000 815,130 12,000 832,180 12,000 849,730 12,000 867,780 12,000 886,500 12,000 907,430 12,000 932,490

2,500 14,101 301,621 2,210 14,363 315,985 1,900 14,615 330,600 1,570 14,857 345,457 1,210 15,077 360,534 820 15,274 375,808 440 15,490 391,298 40 15,694 406,991 0 16,280 423,271 0 16,931 440,202 0 17,608 457,810 0 18,312 476,122 0 19,045 495,167 0 19,807 514,974 0 20,599 535,573 0 21,423 556,996 0 22,280 579,275 0 23,171 602,446 0 24,098 626,544 0 25,062 651,606 0 26,064 677,670 0 27,107 704,777 0 28,191 732,968 0 29,319 762,287 0 30,491 792,778 0 32,980 857,469 0 34,299 891,768 0 35,671 927,438 0 37,098 964,536 0 38,581 1,003,117 0 40,125 1,043,242 0 41,730 1,084,972 0 43,399 1,128,371 0 45,135 1,173,506 0 46,940 1,220,446 0 48,818 1,269,264 0 50,251 1,319,514 0 51,899 1,371,414 0 53,943 1,425,356 0 56,066 1,481,422 0 58,274 1,539,696 0 60,568 1,600,264 0 62,952 1,663,216 0 65,431 1,728,647 0 31,711 824,489

11,601 12,153 12,715 13,287 13,867 14,454 15,050 15,654 16,280 16,931 17,608 18,312 19,045 19,807 20,599 21,423 22,280 23,171 24,098 25,062 26,064 27,107 28,191 29,319 30,491 31,711 32,980 34,299 35,671 37,098 38,581 40,125 41,730 43,399 45,135 46,940 48,818 50,751 52,747 54,821 56,978 59,219 61,549 63,970 66,486

0 -10,933 124,069 0 -10,933 127,855 0 -10,933 131,590 0 -10,933 135,233 0 -10,933 138,786 0 -10,933 142,212 0 -10,933 145,502 0 -10,933 148,629 0 -10,933 151,574 0 -10,933 154,318 0 -10,933 156,834 0 -10,933 159,110 0 -10,933 161,117 0 -10,933 162,671 0 -10,933 163,666 0 -10,933 164,189 0 -10,933 164,176 0 -10,933 163,576 0 -10,933 162,095 0 -10,933 159,276 0 -10,933 155,048 0 -10,933 149,317 0 -10,933 142,261 0 -10,933 133,995 0 -10,933 124,448 0 -10,933 113,252 0 -10,933 100,402

708,169 694,115 679,830 665,333 650,646 635,752 620,662 605,359 590,030 574,664 559,212 543,639 527,901 512,189 496,538 480,822 464,954 448,885 431,895 414,084 395,373 375,577 354,296 330,068 303,075 273,629 241,793 207,424 170,143 129,968 84,698 44,764 45,841 46,935 48,033 49,135 50,251 51,899 53,943 56,066 58,274 60,568 62,952 65,431 68,007

0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 0 -10,933 500 -10,433

85,877 70,895 57,475 48,342 44,764 45,841 46,935 48,033 49,135 50,251 51,899 53,943 56,066 58,274 60,568 62,952 65,431 68,007

12,000 966,410

0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000

847 879 912 945 981

-9,586 -8,707 -7,795 -6,850 -5,869 -4,852 -3,796

1,017 1,056

January 30, 2019 ID:6969

Version: 2.21.0

Page: 17 of 19