Hemphill, Luke

Guardian Life Insurance Illustration Numeric Summary Luke Hemphill, Male Age 39, Preferred Plus NT

Benefit

Premium **

$500,000

Whole Life 99

$7,700.00

Enhanced Accelerated Benefit Rider Paid Up Additions Rider (Scheduled) PUA Waiver of Premium ($6,882.30/year)

$6,882.30

$192.70 $225.00

Waiver of Premium

Index Participation Feature (50% initial allocation)

Total First Year Premium

$15,000.00

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

Guaranteed

Non-Guaranteed - Current

Non-Guaranteed - Intermediate

AGE AT ANNUAL CASH DEATH CASH DEATH POL START PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT YR OF YEAR # ## ## #* ##* ##* #* ##* ##* 5 43 15,000 52,842 622,339 15,000 57,279 634,160 15,000 55,067 628,261 10 48 15,000 127,168 716,810 15,000 150,190 775,728 15,000 138,248 745,260 20 58 15,000 299,558 842,916 15,000 436,049 1,122,373 15,000 360,770 968,629 32 70 7,700 434,770 786,037 7,700 886,458 1,484,316 7,700 615,565 1,066,384 37 75 7,700 489,381 765,218 7,700 1,151,943 1,689,653 7,700 740,252 1,116,180 42 80 7,700 538,570 745,915 7,700 1,474,054 1,940,759 7,700 872,160 1,172,947 47 85 7,700 577,515 728,016 7,700 1,857,114 2,252,295 7,700 1,005,201 1,238,401 52 90 7,700 604,421 711,420 7,700 2,289,568 2,619,227 7,700 1,130,535 1,307,863 NET CASH DEATH NET

Applicant's Statement:

I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. The agent has told me they are not guaranteed.

EILUS_Owner1_eSig1

EILUS_Owner2_eSig1

Applicant's (Owner's) Signature

Additional Signature (if required)

Date

Insurance Producer's Statement:

I certify that this illustration has been presented to the applicant and that I have explained that any non- guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration.

EILUS_Agent1_eSig1 Producer's Signature

Date

March 10, 2019 ID:9881

Version: 2.22.0

Page: 11 of 19