Joshi, Sarika

Guardian Life Insurance Illustration Numeric Summary Sarika Joshi, Female Age 38, Elite

Benefit

Premium **

$1,000,000

Yearly Renewable Term

$190.00 $150.00 $110.00

Waiver of Premium

Extended Conversion Rider

Accelerated Terminal Illness Rider

Total First Year Premium

$450.00

Guaranteed

Non-Guaranteed - Current

Non-Guaranteed - Intermediate

NET

NET

AGE AT ANNUAL CASH DEATH POL START PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT YR OF YEAR # ## ## #* ##* ##* #* ##* ##* 5 42 3,970 0 1,000,000 1,050 0 1,000,000 2,510 0 1,000,000 10 47 4,320 0 1,000,000 1,710 0 1,000,000 3,015 0 1,000,000 15 52 6,260 0 1,000,000 3,000 0 1,000,000 4,630 0 1,000,000 20 57 10,310 0 1,000,000 5,230 0 1,000,000 7,770 0 1,000,000 33 70 18,000 0 1,000,000 8,030 0 1,000,000 13,015 0 1,000,000 38 75 32,060 0 1,000,000 13,650 0 1,000,000 22,855 0 1,000,000 43 80 62,020 0 1,000,000 28,310 0 1,000,000 45,165 0 1,000,000 48 85 122,680 0 1,000,000 59,950 0 1,000,000 91,315 0 1,000,000 53 90 232,060 0 1,000,000 125,920 0 1,000,000 178,990 0 1,000,000 CASH DEATH CASH DEATH

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:2117/Case ID:12734234

Version: 2.24.1

Page: 5 of 9