Life Insurance and College Savings Plan
Master Ayan Patel
Aggregate Premium
$3M Whole Life / Excess Funding
Guardian Life
Voluntary Additional
Projected Guaranteed
Projected
Projecetd
Additional
Net
Total Cash Value
Net
Policy
Att Age
Annual
Annual Income
Cash Value
Death Benefit
Year
Premium
Guar Liquidity / Annl Avg
98.8%
1 2 3 4 5 6 7 8 9
1 2 3 4 5 6 7 8 9
19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582 19,582
0 0 0 0 0 0 0 0 0 0 0 0 0 0
19,136 19,551 20,028 20,507 20,964 21,428 21,898 22,391 22,886 23,407 25,007 25,174
19,136 42,936 67,849 93,873 121,327 160,957 202,468 246,809 294,097 344,571 578,470 644,955 679,505 715,117 700,423 685,120 669,282 564,800 593,130
3,283,792 3,560,141 3,879,756 4,190,536 4,492,099 4,786,327 5,074,233 5,356,552 5,642,941 5,933,399 7,133,778 7,443,562 7,460,125 7,484,972 7,095,285 6,724,052 6,363,871 4,709,398 4,727,246 5,054,313 4,491,855 4,525,275 5,630,084 5,598,951 4,923,173
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
0 0 0 0 0 0 0 0 0 0 0 0 0
‐50,000 ‐50,000 ‐50,000
‐50,000
0
0
924,459
0
1,126,042 920,466 965,969 2,748,024 2,760,284
‐250,000
0
0
‐100,000
70
70
0
‐100,000
2,803,274
5,341,279
75
75
0
‐100,000
2,791,140
4,972,228
80
80
0
‐100,000
2,656,821
4,451,575
85 86 87 88 89 90
85 86 87 88 89 90
0 0 0 0 0 0
‐100,000 ‐100,000 ‐100,000 ‐100,000
2,309,383 2,204,901 2,084,334 1,946,125 1,895,285 1,830,870
3,733,779 3,560,008 3,372,721 3,170,404 3,057,929 2,934,144
0 0
95
95
0
0
1,318,666
2,076,282
______________________ 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
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