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

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

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

0 65,657 1,734,607 0 68,241 1,802,848 0 70,928 1,873,777 0 73,721 1,947,497 0 76,623 2,024,120 0 79,640 2,103,760 0 82,775 2,186,535

66,716 69,340 72,068 74,904 77,851 80,914 84,097

1,059 -407,438 1,099 -406,339 1,140 -405,199 1,183 -404,016 1,228 -402,788 1,274 -401,514 1,322 -400,191

68,241 70,928 73,721 76,623 79,640 82,775 86,034

68,241 70,928 73,721 76,623 79,640

82,775

86,034 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.

March 10, 2019 ID:9881

Version: 2.22.0

Page: 18 of 19