Joshi, Sarika

Sarika Joshi MD

Minimum Premium

   $1M Whole Life / Base

   $1M Renewable Term

Guardian Life

Required Guaranteed

Projected

Projected

Projected Additional

Total Cash Value

Minimum

Total Cash Value

Net

Additn'l YRT

Net

Pol

Att

Annual

Death Benefit

Annual

Death

Year

Age

Premium

Premium Benefit

1 2 3 4 5 6 7 8 9

38 39 40 41 42 43 44 45 46 47 52 53 54 55 56 57 58 63 64 65 66 67 68 69 70 71 72 82 83 84 85 86 87 88 89 90 91 92 94 95 96

12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290 12,290

0 0

0

1,000,000 1,000,320 1,001,992 1,004,118 1,006,692 1,009,989 1,015,264 1,022,581 1,031,832 1,043,082 1,126,306 1,147,836 1,170,895 1,195,420 1,221,422 1,248,415 1,242,955 1,229,579 1,229,921 1,232,221 1,235,590 1,240,039 1,245,570 1,252,188 1,259,898 1,268,671 1,278,479 1,441,044 1,465,048 1,490,897 1,518,697 1,548,246 1,578,990 1,610,808 1,643,649 1,677,633 1,712,992 1,748,906 1,818,183 1,849,493 1,878,682

450 540 780 970

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

320

4,850

5,606

14,210 23,910 34,470 45,410 56,760 68,470 80,560 146,950 161,460 176,390 191,750 207,530 223,740 239,240 321,990 339,490 357,250 375,270 393,540 412,020 430,710 449,600 468,680 487,940 683,880 702,590 720,830 738,510 755,520 771,900 787,660 802,810 817,460 831,800 846,050 875,930 893,000 912,470

15,535 25,922 37,665 50,369 64,072 78,816 94,645 191,898 215,339 240,225 266,661 294,675 323,927 340,439 433,560 454,535 476,784 499,945 524,050 549,108 575,166 602,266 630,419 659,660

1,050 1,140 1,230 1,360 1,480 1,710 3,000 3,370 3,750 4,190 4,700 5,230

10

15 16 17 18 19 20 21 26 27 28 29 30 31 32 33 34 35 45 46 47 48 49 50 51 52 53 54 55 57 58 59

0

Alternative

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

670 1M @ 20 Year

Level Term

1,020,728 1,064,287 1,109,338 1,155,874 1,203,566 1,251,995 1,301,170 1,351,053 1,401,914 1,454,250 1,507,550 1,615,957 1,671,555 1,729,896

          ______________________           Policy Values Reflect Dividend Additions from Guardian Life's 2019 Dividend Scale           Carrier Dividends are Never Guaranteed.  Premiums include Disability Waiver           See AIS Bookshelf for Home Office Illustrations of Policy Values, Features and Benefits