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 76 113 77 114 78 115 79 116 80 117 81 118 82 119 83 120

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

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 68,007 1,796,654 0 70,684 1,867,338 0 73,467 1,940,805 0 76,360 2,017,165 0 79,366 2,096,530 0 82,490 2,179,021 0 85,738 2,264,759

69,102 71,821 74,646 77,583 80,636 83,808 87,106 90,534

1,095 1,136 1,179 1,224 1,270 1,318 1,368 1,420

-2,701 -1,564

70,684 73,467 76,360 79,366 82,490 85,738 89,114 92,622

70,684 73,467 76,360 79,366 82,490 85,738 89,114

-385 839

2,109

3,427 4,795 6,215

0 92,622 THIS ILLUSTRATION IS BASED ON THE 2019 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEED ELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THE ACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN. THE ASSUMPTIONS ON WHICH NON-GUARANTEED ELEMENTS ARE BASED ARE SUBJECT TO CHANGE BY THE COMPANY. SEE TABULAR DETAIL FOR GUARANTEED VALUES AND OTHER IMPORTANT INFORMATION. 89,114 2,353,872

January 30, 2019 ID:6969

Version: 2.21.0

Page: 18 of 19