Hemphill, Luke

Luke Hemphill CRNA

Invest Tax

Effective Rates of Return on All Cash Flows

35%

Guardian Life

To Age 55

To Age 65

To Age 73

Guardian 2019 Divs 5.85%

Reqrd Min

Vol Add'l

Annual

Annual

Total Ann'l

Total Ann'l

Total Ann'l

Pol

Att Age

Premium Premium Premium Premium Premium

Simple Plan

Smart Plan

Smart Plan

Smart Plan

Smart Plan

Year

6.34% 9.90% 23.63% 12.21% 8.43%

Equiv Grs > Net Yield >

4.12%

6.44%

15.36%

7.94%

5.48%

1 2 3 4 5 6 7 8 9

39 40 41 42 43 44 45 46 47 48 53 54 55 56 57 58 59 64 65 66 67 68 69 70 71 72 73 83 84 85 86 87 88 89 90 91 92 93 95 96 97

7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925 7,925

7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075 7,075

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

10

15 16 17 18 19 20 21 26 27 28 29 30 31 32 33 34 35 45 46 47 48 49 50 51 52 53 54 55 57 58 59

‐995,738

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

‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819

‐1,163,916

‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐35,819 ‐794,229

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

‐869,489

          ______________________           Policy Values Reflect Dividend Additions from Guardian Life's 2019 Dividend Scale           Carrier Dividends are Never Guaranteed.  Premiums include Disability Waiver           See AIS Bookshelf for Home Office Illustrations of Policy Values, Features and Benefits