Hemphill, Luke

Guardian Life Insurance Illustration

Planning Concept Based on the 2019 Dividend Scale 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

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 39 2 40 3 41 4 42 5 43 6 44 7 45 8 46 9 47 10 48 11 49 12 50 13 51 14 52 15 53 16 54 17 55 18 56 19 57 20 58 21 59 22 60 23 61 24 62 25 63 26 64 27 65 28 66 29 67 30 68

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700 7,700

0 0

15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000 15,000

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 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 0 0

0 15,000 0 15,000 0 15,000 0 15,000 0 15,000

15,000 30,000 45,000 60,000 75,000

6,768

527,003 553,365 580,418 607,355 634,160 661,002 688,208 716,420 745,610 775,728 806,674 838,461 871,124 904,726 939,347

14,247 27,166 41,870 57,279 73,658 91,081

4,965 11,250 17,700 24,550 31,565 38,760 46,135 53,760 61,630 69,735 78,065 86,590 95,300

0 15,000

90,000

0 15,000 105,000

0 15,000 120,000 109,601 0 15,000 135,000 129,273 0 15,000 150,000 150,190 0 15,000 165,000 172,407 0 15,000 180,000 195,982 0 15,000 195,000 220,968 0 15,000 210,000 247,416 0 15,000 225,000 275,391

7,700 104,170 7,700 113,175 7,700 122,320 7,700 131,605 7,700 141,100 7,700 150,170 7,700 159,375 7,700 168,670 7,700 178,000 7,700 187,340 7,700 196,700 7,700 206,080 7,700 215,515 7,700 225,035 7,700 234,635

0 15,000 240,000 304,675

974,784

0 15,000 255,000 335,310 1,010,738 0 15,000 270,000 367,374 1,047,305 0 15,000 285,000 400,912 1,084,529 0 15,000 300,000 436,049 1,122,373

0 0 0 0 0

0 0 0 0 0

0 300,000 457,085 1,129,336 0 300,000 479,034 1,137,339 0 300,000 501,907 1,146,337 0 300,000 525,696 1,156,448 0 300,000 550,424 1,167,751

0

0

0 300,000 576,158 1,180,255

-35,819 -35,819 -35,819 -35,819

0 -35,819 264,181 565,840 1,128,097 0 -35,819 228,362 554,819 1,077,644 0 -35,819 192,543 543,093 1,028,196

0 -35,819 156,724 530,618

979,631

March 10, 2019 User ID: 54ghs ID:9881

Version: 2.22.0

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