Joshi, Sarika

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

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 31 68 32 69 33 70 34 71 35 72 36 73 37 74 38 75 39 76 40 77 41 78 42 79 43 80 44 81 45 82 46 83 47 84 48 85 49 86 50 87 51 88 52 89 53 90 54 91 55 92 56 93 57 94 58 95 59 96 60 97 61 98 62 99 63 100 64 101 65 102 66 103 67 104 68 105 69 106 70 107

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

11,870 412,020 11,870 430,710 11,870 449,600 11,870 468,680 11,870 487,940 11,870 507,380 11,870 526,970 11,870 546,660 11,870 566,440 11,870 586,240 11,870 606,020 11,870 625,760 11,870 645,400 11,870 664,800 11,870 683,880 11,870 702,590 11,870 720,830 11,870 738,510 11,870 755,520 11,870 771,900 11,870 787,660 11,870 802,810 11,870 817,460 11,870 831,800 11,870 846,050 11,870 860,530 11,870 875,930 11,870 893,000 11,870 912,470 11,870 936,190

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

0 0 0 0

0 0 0 0

0 -64,440 222,240 899,293 1,899,905 0 -64,440 157,800 875,435 1,797,741

0 -64,440 0 -64,440

93,360 850,134 1,697,972 28,920 823,288 1,600,357

-28,920 36,941 36,941

1,421 -64,440 -35,520 794,532 1,529,933

0 68,495 105,436 0 71,235 176,671 0 74,084 250,756 0 77,048 327,803 0 80,130 407,933 0 83,335 491,268 0 86,668 577,936 0 90,135 668,071 0 93,740 761,812 0 97,490 859,302 0 101,390 960,692 0 105,445 1,066,137 0 42,645 1,108,782 0 44,351 1,153,134 0 46,125 1,199,259 0 47,970 1,247,229 0 49,889 1,297,118 0 51,885 1,349,003 0 53,960 1,402,963 0 58,363 1,517,445 0 60,698 1,578,143 0 63,126 1,641,269 0 65,651 1,706,919 0 68,277 1,775,196 0 71,008 1,846,204 0 73,848 1,920,052 0 76,802 1,996,854 0 79,874 2,076,728 0 83,069 2,159,798 0 86,392 2,246,189 0 89,848 2,336,037 0 91,985 2,428,022 0 95,541 2,523,563 0 56,119 1,459,082

4,055 -64,440 -99,960 763,793 1,477,723 6,795 -64,440 -164,400 731,165 1,422,645 9,644 -64,440 -228,840 696,505 1,364,977 12,608 -64,440 -293,280 659,741 1,304,658 15,690 -64,440 -357,720 620,718 1,241,650 18,895 -64,440 -422,160 579,294 1,175,868 22,228 -64,440 -486,600 535,373 1,107,251 25,695 -64,440 -551,040 488,779 1,035,714

29,300 -64,440 -615,480 438,984 33,050 -64,440 -679,920 385,369 36,950 -64,440 -744,360 327,821 41,005 -64,440 -808,800 266,074

961,026 882,692 800,366 714,023 691,161 667,465 642,483 615,941 587,632 556,176 522,302 485,782 445,332 399,718 347,806 290,044 226,633 155,275 81,807 83,808 85,820 87,862 89,911 91,985 95,541 99,303 103,212

42,645 44,351 46,125 47,970 49,889 51,885 53,960 56,119 58,363 60,698 63,126 65,651 68,277 71,008 73,848 76,802 79,874 83,069 86,392 89,848 93,385 97,060

0 -808,800 267,437 0 -808,800 267,413 0 -808,800 265,381 0 -808,800 261,218 0 -808,800 254,732 0 -808,800 244,280 0 -808,800 232,078 0 -808,800 217,401 0 -808,800 199,637 0 -808,800 178,863 0 -808,800 155,272 0 -808,800 130,552 0 -808,800 107,873

11,870 967,370

0 -808,800 0 -808,800 0 -808,800 0 -808,800 0 -808,800 0 -808,800 0 -808,800

90,334 81,807 83,808 85,820 87,862 89,911 91,985 95,541 99,303

0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000

1,400 -807,400 1,519 -805,881

0 99,303 2,622,866 100,879

1,577 -804,304 103,212

August 28, 2019 ID:3204

Version: 2.24.1

Page: 17 of 19