Joshi, Sarika

Guardian Life Insurance Illustration

Planning Concept Based on the 2019 Dividend Scale 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

CASH VALUE

AGE

BASE

BASE

NET

AT

POLICY GUAR.

END OF

CUM AFTER CUM

OF

NET

NET

START ANNUAL CASH YEAR

NET

NET

TAX NET A/T

ALL

CASH DEATH

POL OF YR YEAR 1 38 2 39 3 40 4 41 5 42 6 43 7 44 8 45 9 46 10 47 11 48 12 49 13 50 14 51 15 52 16 53 17 54 18 55 19 56 20 57 21 58 22 59 23 60 24 61 25 62 26 63 27 64 28 65 29 66 30 67

PREM VALUE DIVIDEND PREM PREM OUTLAY OUTLAY ADDS VALUE BENEFIT

#

## *

# *

# *

# *

# *

## *

## *

## *

##

11,870 11,870 11,870 11,870 11,870 11,870 11,870 11,870 11,870 11,870

0 0

0 12,290 12,290 12,290 320 12,290 24,580 12,290 428 12,290 36,870 12,290 550 12,290 49,160 12,290 654 12,290 61,450 12,290 1,132 12,290 73,740 12,290 1,683 12,290 86,030 12,290 2,229 12,290 98,320 12,290

12,290 24,580 36,870 49,160 61,450 73,740 86,030 98,320

0

0 1,000,000 320 1,000,320 5,606 1,001,992 15,535 1,004,118 25,922 1,006,692 37,665 1,009,989 50,369 1,015,264 64,072 1,022,581 78,816 1,031,832 94,645 1,043,082

320 756

4,850

14,210 23,910 34,470 45,410 56,760 68,470 80,560

1,325 2,012 3,195 4,959 7,312

2,850 12,290 110,610 12,290 110,610 3,480 12,290 122,900 12,290 122,900 4,149 12,290 135,190 12,290 135,190 4,840 12,290 147,480 12,290 147,480 5,531 12,290 159,770 12,290 159,770 6,286 12,290 172,060 12,290 172,060 7,034 12,290 184,350 12,290 184,350 7,850 12,290 196,640 12,290 196,640 8,673 12,290 208,930 12,290 208,930 9,569 12,290 221,220 12,290 221,220 10,484 12,290 233,510 12,290 233,510

10,346 14,085

11,870

93,040

18,584

111,624 1,056,221

11,870 105,910 11,870 119,180 11,870 132,860 11,870 146,950 11,870 161,460 11,870 176,390 11,870 191,750 11,870 207,530 11,870 223,740 11,870 239,240 11,870 255,110 11,870 271,340 11,870 287,900 11,870 304,790 11,870 321,990 11,870 339,490 11,870 357,250 11,870 375,270 11,870 393,540

23,883 129,793 1,071,209 30,000 149,180 1,087,935 37,018 169,878 1,106,306 44,948 191,898 1,126,306 53,879 215,339 1,147,836 63,835 240,225 1,170,895 74,911 266,661 1,195,420 87,145 294,675 1,221,422

11,027 12,290 245,800 12,290 245,800 100,187 323,927 1,248,415

11,304 11,593 11,939 12,315 12,724 13,207 13,716 14,278 14,891 15,535

0 245,800 0 245,800 0 245,800 0 245,800 0 245,800 0 245,800 0 245,800 0 245,800 0 245,800 0 245,800

0 245,800 101,199 340,439 1,242,955 0 245,800 102,497 357,607 1,238,387 0 245,800 104,144 375,484 1,234,727 0 245,800 106,174 394,074 1,232,027 0 245,800 108,624 413,414 1,230,297 0 245,800 111,570 433,560 1,229,579 0 245,800 115,045 454,535 1,229,921 0 245,800 119,534 476,784 1,232,221 0 245,800 124,675 499,945 1,235,590 0 245,800 130,510 524,050 1,240,039

August 28, 2019 User ID: 54ghs ID:6692

Version: 2.24.1

Page: 15 of 18