Joshi, Sarika

Guardian Life Insurance Illustration Level Term Report Sarika Joshi, Female Age 38, Elite

Benefit

Premium **

$1,000,000

Level 20 Year Term Waiver of Premium

$600.00 $40.00 $30.00

Extended Conversion Rider

Accelerated Terminal Illness Rider

Total First Year Premium

$670.00

CUMULATIVE

AGE AT START OF YEAR

ANNUAL PREMIUM

ANNUAL PREMIUM

DEATH BENEFIT

POLICY YEAR

#

#

##

1 2 3 4 5 6 7 8 9

38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57

670 670 670 670 670 670 670 670 670 670 670 670 670 670 670 670 670 670 670 670

670

1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000

1,340 2,010 2,680 3,350 4,020 4,690 5,360 6,030 6,700 7,370 8,040 8,710 9,380

10

11 12 13 14 15 16 17 18 19 20

10,050

10,720 11,390 12,060 12,730 13,400

21

58

14,560

27,960

1,000,000

Mode Selected: Annual Cost per day: $1.84

Initial Modal Premium

Mode Annual

Modal Factor

1.000000 0.515000 0.262650 0.085833

670.00 345.05 175.98

Semi-Annual

Quarterly

Guard-O-Matic

57.51

5% Interest Adjusted Indices

Net Pay. 0.60 0.60 0.60

Surrender Cost Index

Equiv. Lev. Dividend

Year

10 15 20

0.60 0.60 0.60

0.00 0.00 0.00

Alternative not included: Waiver Plus -- $750 (Form 17-WPPLUS GLT)

August 28, 2019 ID:8800

Version: 2.24.1

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