Whole Life Illustration - $1M 15 Year Funding
Guardian Life Insurance Illustration
Planning Concept Based on the 2019 Dividend Scale 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
CASH VALUE
AGE
BASE
BASE
NET
AT
POLICY GUAR.
END OF
CUM AFTER CUM
OF
NET
NET
START ANNUAL CASH YEAR
NET
NET
TAX NET A/T
ALL
CASH DEATH
POL OF YR YEAR 1 38 2 39 3 40 4 41 5 42 6 43 7 44 8 45 9 46 10 47 11 48 12 49 13 50 14 51 15 52 16 53 17 54 18 55 19 56 20 57 21 58 22 59 23 60 24 61 25 62 26 63 27 64 28 65 29 66 30 67 31 68 32 69 33 70 34 71 35 72
PREM VALUE DIVIDEND PREM PREM OUTLAY OUTLAY ADDS VALUE BENEFIT
#
## *
# *
# *
# *
# *
## *
## *
## *
##
12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000
0 0
0 12,400 12,400 12,400 200 12,400 24,800 12,400 205 12,400 37,200 12,400 341 12,400 49,600 12,400 510 12,400 62,000 12,400 675 12,400 74,400 12,400 1,284 12,400 86,800 12,400 1,961 12,400 99,200 12,400
12,400 24,800 37,200 49,600 62,000 74,400 86,800 99,200
0
0 1,000,000 200 1,000,200 6,940 1,001,099 17,721 1,002,112 29,011 1,003,686 41,307 1,005,875 54,590 1,009,058 68,942 1,014,487 84,388 1,022,207
200 410 761
6,530
16,960 27,720 39,310 51,260 63,570 76,210 89,190
1,291
1,997 3,330 5,372 8,178
2,677 12,400 111,600 12,400 111,600 3,427 12,400 124,000 12,400 124,000 4,230 12,400 136,400 12,400 136,400 5,092 12,400 148,800 12,400 148,800 5,963 12,400 161,200 12,400 161,200 6,907 12,400 173,600 12,400 173,600 7,886 12,400 186,000 12,400 186,000
11,800 100,990 1,032,172
12,000 102,500 12,000 116,130 12,000 130,060 12,000 144,310 12,000 158,850 12,000 173,680 12,000 188,800 12,000 204,220 12,000 219,900 12,000 235,860 12,000 250,910 12,000 266,220 12,000 281,800 12,000 297,640 12,000 313,740 12,000 330,130 12,000 346,780 12,000 363,690 12,000 380,860 12,000 398,270 12,000 415,900 12,000 433,740 12,000 451,760 12,000 469,900 12,000 488,140
16,307 118,807 1,044,334 21,776 137,906 1,058,701 28,234 158,294 1,075,233 35,773 180,083 1,093,845 44,443 203,293 1,114,548 40,864 214,544 1,100,603 37,386 226,186 1,087,925 34,057 238,277 1,076,297 30,894 250,794 1,065,747 27,906 263,766 1,056,233 25,134 276,044 1,047,732 22,548 288,768 1,040,199 20,179 301,979 1,033,551 18,039 315,679 1,027,776 16,148 329,888 1,022,847 14,520 344,650 1,018,741 13,178 359,958 1,015,437 12,574 376,264 1,013,763 12,326 393,186 1,012,874 12,475 410,745 1,012,770 13,048 428,948 1,013,457 14,090 447,830 1,014,944 15,642 467,402 1,017,250 17,771 487,671 1,020,413 20,523 508,663 1,024,467
8,177 8,364 8,596 8,838 9,083 9,362 9,604 9,871
0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000
0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000 0 186,000
10,143 10,431 10,726 11,039 11,386 11,749 12,145 12,566 13,025 13,521 14,075 14,669
January 30, 2019 User ID: 54ghs ID:7412
Version: 2.21.0
Page: 15 of 18
Made with FlippingBook Annual report