P - Mihlston, Dr. Melanie Lynn - Whole Life

Guardian Life Insurance Illustration Numeric Summary Melaine Mihlstin, Female Age 31, Preferred NT

Benefit

Premium **

$1,000,000

Whole Life 99

$9,190.00

Enhanced Accelerated Benefit Rider Paid Up Additions Rider (Scheduled) PUA Waiver of Premium ($15,280.63/year)

$15,280.63

$319.37 $210.00

Waiver of Premium

Index Participation Feature (50% initial allocation)

Total First Year Premium

$25,000.00

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 35 25,000 96,802 1,406,627 25,000 104,770 1,437,144 25,000 100,711 1,421,642 10 40 25,000 230,379 1,718,162 25,000 268,206 1,859,468 25,000 248,508 1,786,089 20 50 25,000 547,078 2,125,246 25,000 767,369 2,765,915 25,000 646,452 2,415,262 40 70 9,190 955,555 1,831,710 9,190 2,289,106 4,124,094 9,190 1,455,601 2,694,478 45 75 9,190 1,062,928 1,771,175 9,190 2,920,243 4,619,110 9,190 1,721,582 2,784,472 50 80 9,190 1,166,043 1,715,047 9,190 3,688,731 5,204,310 9,190 2,009,228 2,884,577 55 85 9,190 1,255,252 1,663,003 9,190 4,603,697 5,907,049 9,190 2,306,079 2,997,963 60 90 9,190 1,326,889 1,614,747 9,190 5,647,624 6,717,406 9,190 2,596,739 3,116,973 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

March 17, 2019 ID:6615

Version: 2.23.0

Page: 11 of 19