Joshi, Sarika

Guardian Life Insurance Illustration Numeric Summary Sarika Joshi, Female Age 38, Preferred Plus NT

Benefit

Premium ** $11,870.00

$1,000,000

Whole Life 99

Enhanced Accelerated Benefit Rider Waiver of Premium

$420.00

Index Participation Feature (50% initial allocation)

Total First Year Premium

$12,290.00

Dividend Option: Paid Up Additions (D)

Guaranteed

Non-Guaranteed - Current

Non-Guaranteed - Intermediate

AGE AT ANNUAL CASH DEATH CASH DEATH POL START PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT YR OF YEAR # ## ## #* ##* ##* #* ##* ##* 5 42 12,290 23,910 1,000,000 12,290 25,922 1,006,692 12,290 24,897 1,003,291 10 47 12,290 80,560 1,000,000 12,290 94,645 1,043,082 12,290 87,408 1,021,006 20 57 12,290 223,740 1,000,000 12,290 323,927 1,248,415 12,290 269,564 1,113,904 33 70 11,870 449,600 1,000,000 11,870 826,978 1,657,856 11,870 604,401 1,270,645 38 75 11,870 546,660 1,000,000 11,870 1,107,685 1,864,113 11,870 765,811 1,338,438 43 80 11,870 645,400 1,000,000 11,870 1,452,107 2,110,681 11,870 944,483 1,412,708 48 85 11,870 738,510 1,000,000 11,870 1,868,652 2,414,881 11,870 1,134,705 1,496,919 53 90 11,870 817,460 1,000,000 11,870 2,350,403 2,784,291 11,870 1,323,732 1,590,087 NET CASH DEATH NET

Applicant's Statement:

I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or lower. The agent has told me they are not guaranteed.

EILUS_Owner1_eSig1

EILUS_Owner2_eSig1

Applicant's (Owner's) Signature

Additional Signature (if required)

Date

Insurance Producer's Statement:

I certify that this illustration has been presented to the applicant and that I have explained that any non- guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration.

EILUS_Agent1_eSig1 Producer's Signature

Date

August 28, 2019 ID:6692/Case ID:12734233

Version: 2.24.1

Page: 10 of 18