Whole Life Illustration - $1M 15 Year Funding

Guardian Life Insurance Illustration Numeric Summary Rachel Clopton, Female Age 38, Preferred Plus NT

Benefit

Premium ** $12,000.00

$1,000,000

Whole Life 99

Enhanced Accelerated Benefit Rider Waiver of Premium

$400.00

Index Participation Feature (50% initial allocation)

Total First Year Premium

$12,400.00

Dividend Option: Paid Up Additions (D)

Guaranteed

Non-Guaranteed - Current

Non-Guaranteed - Intermediate

AGE AT ANNUAL CASH DEATH CASH DEATH POL START PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT YR OF YEAR # ## ## #* ##* ##* #* ##* ##* 5 42 12,400 27,720 1,000,000 12,400 29,011 1,003,686 12,400 28,354 1,001,813 10 47 12,400 89,190 1,000,000 12,400 100,990 1,032,172 12,400 94,959 1,015,778 20 57 12,400 235,860 1,000,000 12,400 335,713 1,233,367 12,400 281,358 1,106,684 33 70 12,000 451,760 1,000,000 12,000 829,962 1,645,699 12,000 604,432 1,261,466 38 75 12,000 543,270 1,000,000 12,000 1,105,145 1,857,564 12,000 758,669 1,329,667 43 80 12,000 635,670 1,000,000 12,000 1,441,540 2,111,168 12,000 928,240 1,404,364 48 85 12,000 722,020 1,000,000 12,000 1,845,467 2,420,861 12,000 1,107,085 1,487,951 53 90 12,000 798,940 1,000,000 12,000 2,307,187 2,779,136 12,000 1,285,644 1,574,970 NET CASH DEATH NET

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

January 30, 2019 ID:7412

Version: 2.21.0

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