Whole Life with Excess 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 Paid Up Additions Rider (Scheduled) PUA Waiver of Premium ($23,410.00/year)

$23,410.00

$723.37 $400.00

Waiver of Premium

Index Participation Feature (50% initial allocation)

Total First Year Premium

$36,533.37

See schedule of Index Participation Feature allocation. 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 36,533 147,484 1,487,458 36,533 157,416 1,517,528 36,533 152,355 1,502,246 10 47 12,400 293,896 1,702,755 12,400 347,141 1,861,435 12,400 319,389 1,778,970 20 57 12,400 477,061 1,604,180 12,400 740,912 2,230,444 12,400 594,176 1,883,258 33 70 12,000 734,151 1,496,407 12,000 1,593,068 2,968,443 12,000 1,069,568 2,073,331 38 75 12,000 838,197 1,460,276 12,000 2,072,676 3,349,254 12,000 1,294,243 2,160,368 43 80 12,000 940,089 1,426,776 12,000 2,662,087 3,805,160 12,000 1,539,795 2,257,360 48 85 12,000 1,031,064 1,395,714 12,000 3,373,210 4,361,266 12,000 1,796,981 2,367,698 53 90 12,000 1,107,487 1,366,912 12,000 4,190,055 5,005,369 12,000 2,051,506 2,483,054 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:6969

Version: 2.21.0

Page: 11 of 19