Life Insurance and College Savings Plan

Master Ayan Patel

Minimum Premium

   $3M Whole Life / Base

Guardian Life

Required Guaranteed

Projected

Projected

Total Cash Value

Minimum

Total Cash Value

Net

Policy

Att Age

Annual

Death Benefit

Year

Premium

1 2 3 4 5 6 7 8 9

1 2 3 4 5 6 7 8 9

14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710 14,710

0 0 0 0

0

3,000,000 3,003,810 3,057,947 3,110,526 3,161,061 3,210,993 3,260,689 3,310,677 3,370,105 3,438,637 3,793,442 3,900,313 3,882,122 3,867,351 3,855,218 3,845,278 3,837,215 3,821,867 3,823,353 3,972,584 3,994,171 4,017,309 5,075,872 5,150,765 3,901,767

3,810 7,787 11,894 16,428 32,055 48,437 66,434 86,102 107,593 211,554 242,070 258,321 275,035 292,413 310,560 329,592 423,618 445,265

180

11,160 22,620 34,530 46,860 59,730 114,840 129,300 143,970 158,880 174,180 189,990 206,400 282,360 299,250

10

10

14 15 16 17 18 19 20 25 26 39 40 41 64 65 35

14 15 16 17 18 19 20 25 26 39 40 41 64 65 35

485,010

697,389

589,320 617,550 646,590

849,909 892,601 937,184

1,537,650 1,582,860

2,699,477 2,816,359

70

70

14,710

1,814,550

3,469,244

5,569,562

75

75

14,710

2,048,280

4,243,114

6,070,271

80

80

14,710

2,269,410

5,142,702

6,675,649

85 86 87 88 89 90

85 86 87 88 89 90

14,710 14,710 14,710 14,710 14,710 14,710

2,458,920 2,492,280 2,523,750 2,553,330 2,581,170 2,607,450

6,161,654 6,378,503 6,597,428 6,817,794 7,040,385 7,264,299

7,414,829 7,579,307 7,747,835 7,919,807 8,095,871 8,274,942

95

95

14,710

2,745,060

8,436,641

9,165,785

          ______________________           Policy Values Reflect Dividend Additions from Guardian Life's 2019 Dividend Scale           Carrier Dividends are Never Guaranteed           See Attached Home Office Illustration of All Policy Costs, Features and Benefits