Joshi, Sarika

Sarika Joshi MD

Invest Tax

Effective Rates of Return on All Cash Flows

40%

Guardian Life

To Age 55

To Age 70

To Age 85

Guardian 2019 Divs 5.85%

Reqrd Min

Voluntary Additional

Annual

Total Ann'l

Total Ann'l

Total Ann'l

Pol

Att

Premium

Annual

Premium Premium Premium

Simple Plan

Smart Plan

Smart Plan

Smart Plan

Year

Age

Premium

7.57% 10.87% 27.20% 10.97% 7.98%

Equiv Grs > Net Yield >

4.54%

6.52%

16.32%

6.58%

4.79%

1 2 3 4 5 6 7 8 9

38 39 40 41 42 43 44 45 46 47 52 53 54 55 56 57 58 63 64 65 66 67 68 69 70 71 72 82 83 84 85 86 87 88 89 90 91 92 94 95 96

12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290

11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 11,710 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 0 0 0

24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000

24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000

24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000 24,000

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

‐2,063,507

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

‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440

‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐64,440 ‐691,161

‐1,762,412

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

‐1,677,633

          ______________________           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