Joshi, Sarika

Guardian Life Insurance Illustration Planning Concept Based on the 2019 Dividend Scale

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 71 108 72 109 73 110 74 111 75 112 76 113 77 114 78 115 79 116 80 117 81 118 82 119 83 120

PREM VALUE DIVIDEND PREM PREM OUTLAY OUTLAY ADDS VALUE BENEFIT

#

## *

# *

# *

# *

# *

## *

## *

## *

##

0 1,000,000 138,185 0 1,000,000 144,887 0 1,000,000 151,914 0 1,000,000 159,282 0 1,000,000 167,007 0 1,000,000 175,107 0 1,000,000 183,600 0 1,000,000 192,504 0 1,000,000 201,841

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 0 245,800 0 245,800

0 245,800 1,988,396 2,988,396 2,988,396 0 245,800 2,133,283 3,133,283 3,133,283 0 245,800 2,285,198 3,285,198 3,285,198 0 245,800 2,444,480 3,444,480 3,444,480 0 245,800 2,611,487 3,611,487 3,611,487 0 245,800 2,786,594 3,786,594 3,786,594 0 245,800 2,970,194 3,970,194 3,970,194 0 245,800 3,162,698 4,162,698 4,162,698 0 245,800 3,364,539 4,364,539 4,364,539 0 245,800 3,576,169 4,576,169 4,576,169 0 245,800 3,798,063 4,798,063 4,798,063 0 245,800 4,030,719 5,030,719 5,030,719

0 1,000,000

211,630

0 1,000,000 221,894 0 1,000,000 232,656 0 1,000,000 243,940

0 245,800 4,274,659 5,274,659 5,274,659 THIS ILLUSTRATION IS BASED ON THE 2019 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEED ELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THE ACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN. THE ASSUMPTIONS ON WHICH NON-GUARANTEED ELEMENTS ARE BASED ARE SUBJECT TO CHANGE BY THE COMPANY. SEE TABULAR DETAIL FOR GUARANTEED VALUES AND OTHER IMPORTANT INFORMATION.

August 28, 2019 ID:6692

Version: 2.24.1

Page: 17 of 18