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 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

AGE

BASE

BASE

AFTER NET

AT

POLICY GUAR.

TAX

AFTER CUM TAX NET A/T

NET

NET

START ANNUAL CASH

NET ANNUAL CUM LOAN

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 PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

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

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

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 0 0 0

0 24,000 0 24,000 0 24,000 0 24,000

24,000 48,000 72,000 96,000

11,159 1,057,031 23,288 1,112,221 40,986 1,168,080 63,959 1,223,431 88,064 1,278,337

4,850

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

0 24,000 120,000

0 24,000 144,000 114,229 1,333,102 0 24,000 168,000 142,095 1,389,025 0 24,000 192,000 171,735 1,446,209 0 24,000 216,000 203,233 1,504,585 0 24,000 240,000 236,664 1,564,314 0 24,000 264,000 272,144 1,625,329 0 24,000 288,000 309,757 1,687,669 0 24,000 312,000 349,559 1,751,271 0 24,000 336,000 391,707 1,816,068 0 24,000 360,000 436,240 1,882,107 0 24,000 384,000 483,320 1,949,327 0 24,000 408,000 533,008 2,017,795 0 24,000 432,000 585,477 2,087,507 0 24,000 456,000 640,796 2,158,529 0 24,000 480,000 698,690 2,230,415

11,870

93,040

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

0 0 0 0 0 0 0

0 0 0 0 0 0 0

0 480,000 734,004 2,241,027 0 480,000 770,867 2,253,267 0 480,000 809,412 2,266,943 0 480,000 849,667 2,282,189 0 480,000 891,717 2,299,048 0 480,000 935,678 2,317,622 0 480,000 981,612 2,337,999

-64,440 -64,440 -64,440

0 -64,440 415,560 962,848 2,222,865 0 -64,440 351,120 942,924 2,112,256 0 -64,440 286,680 921,772 2,004,673

August 28, 2019 User ID: 54ghs ID:3204

Version: 2.24.1

Page: 16 of 19