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 Paid Up Additions Rider (Scheduled) PUA Waiver of Premium ($11,342.50/year)

$11,342.50

$367.50 $420.00

Waiver of Premium

Index Participation Feature (50% initial allocation)

Total First Year Premium

$24,000.00

See schedule of Index Participation Feature allocation. 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 24,000 81,966 1,258,108 24,000 88,064 1,278,337 24,000 84,957 1,268,058 10 47 24,000 202,701 1,456,126 24,000 236,664 1,564,314 24,000 219,035 1,508,298 20 57 24,000 492,274 1,714,965 24,000 698,690 2,230,415 24,000 585,843 1,949,272 33 70 11,870 776,916 1,587,430 11,870 1,530,699 2,904,129 11,870 1,083,396 2,124,534 38 75 11,870 892,654 1,544,674 11,870 1,999,590 3,252,116 11,870 1,320,518 2,206,608 43 80 11,870 1,006,290 1,505,031 11,870 2,577,664 3,670,809 11,870 1,581,274 2,299,531 48 85 11,870 1,108,137 1,468,273 11,870 3,279,657 4,188,953 11,870 1,856,758 2,408,160 53 90 11,870 1,187,590 1,434,191 11,870 4,094,561 4,819,305 11,870 2,127,674 2,530,588 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:3204/Case ID:12734234

Version: 2.24.1

Page: 11 of 19