Hemphill, Luke

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 69 32 70 33 71 34 72 35 73 36 74 37 75 38 76 39 77 40 78 41 79 42 80 43 81 44 82 45 83 46 84 47 85 48 86 49 87 50 88 51 89 52 90 53 91 54 92 55 93 56 94 57 95 58 96 59 97 60 98 61 99 62 100 63 101 64 102 65 103 66 104 67 105 68 106 69 107 70 108 71 109 72 110 73 111 74 112 75 113

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

7,700 244,355 7,700 254,140 7,700 263,980 7,700 273,725 7,700 283,405 7,700 293,045 7,700 302,630 7,700 312,155 7,700 321,570 7,700 330,805 7,700 339,785 7,700 348,510 7,700 356,915 7,700 365,060 7,700 372,950 7,700 380,565 7,700 387,860 7,700 394,795 7,700 401,345 7,700 407,515 7,700 413,330 7,700 418,830 7,700 424,255 7,700 429,720 7,700 435,365 7,700 441,430 7,700 448,290 7,700 456,780 7,700 468,030 7,700 484,035

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

0 0 0 0

0 0 0 0

0 -35,819 120,905 517,398

931,836 884,756 838,357 792,669 758,410 729,424 699,047 667,316 634,196 599,687 563,770 526,375 487,460 446,797 404,029 358,876 348,788 337,911 326,239 313,646 300,094 285,354 268,978 249,871 228,393 204,729 178,561 149,405 116,483 78,535 41,437 42,428 43,424 44,434 45,446 46,471 48,208 50,106 52,078 54,129 56,260 58,475 60,777 63,170 65,657

0 -35,819 0 -35,819 0 -35,819

85,086 503,356 49,267 488,455 13,448 472,558

-13,448 23,266 23,266

895 -35,819 -22,371 455,459

0 38,182 61,448 0 39,710 101,158 0 41,298 142,456 0 42,950 185,406 0 44,668 230,074 0 46,455 276,529 0 48,313 324,842 0 50,245 375,087 0 52,255 427,342 0 54,345 481,688 0 56,519 538,207 0 21,528 559,735 0 22,389 582,125 0 23,285 605,410 0 24,216 629,626 0 25,185 654,811 0 26,192 681,004 0 27,240 708,244 0 28,330 736,573 0 29,463 766,036 0 30,641 796,678 0 31,867 828,545 0 33,142 861,687 0 34,467 896,154 0 35,846 932,000 0 37,280 969,280 0 38,771 1,008,052 0 40,322 1,048,374 0 41,935 1,090,309 0 43,612 1,133,921 0 45,357 1,179,278 0 46,471 1,225,749 0 48,208 1,273,957 0 50,106 1,324,063 0 52,078 1,376,141 0 54,129 1,430,270 0 56,260 1,486,529 0 58,475 1,545,004 0 60,777 1,605,781 0 63,170 1,668,950

2,363 -35,819 -58,190 437,147 3,891 -35,819 -94,009 417,664 5,479 -35,819 -129,828 396,927 7,131 -35,819 -165,647 374,848 8,849 -35,819 -201,466 351,309 10,636 -35,819 -237,285 326,170 12,494 -35,819 -273,104 299,356 14,426 -35,819 -308,923 270,729 16,436 -35,819 -344,742 240,091 18,526 -35,819 -380,561 207,140

20,700 -35,819 -416,380 171,675

21,528 22,389 23,285 24,216 25,185 26,192 27,240 28,330 29,463 30,641 31,867 33,142 34,467 35,846 37,280 38,771 40,322 41,935 43,612 45,357 47,144 48,998 50,925 52,928 55,010 57,174 59,423 61,761 64,190

0 -416,380 171,066 0 -416,380 169,379 0 -416,380 166,480 0 -416,380 162,245 0 -416,380 156,661 0 -416,380 149,546 0 -416,380 140,862 0 -416,380 129,565 0 -416,380 116,712

0 -416,380 102,547

0 -416,380 0 -416,380 0 -416,380 0 -416,380 0 -416,380 0 -416,380 0 -416,380 0 -416,380 0 -416,380 0 -416,380 673 -415,707 791 -414,917 820 -414,097 850 -413,247 882 -412,365 914 -411,450 949 -410,502 984 -409,518 1,021 -408,497

87,355 72,060 57,754 46,445 41,437 42,428 43,424 44,434 45,446 46,471 48,208 50,106 52,078 54,129 56,260 58,475 60,777 63,170 65,657

0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000 0 500,000

March 10, 2019 ID:9881

Version: 2.22.0

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