P - Mihlston, Dr. Melanie Lynn - Whole Life

Guardian Life Insurance Illustration Planning Concept Based on the 2019 Dividend Scale

Guaranteed

Non-Guaranteed

AGE

BASE

BASE

AFTER NET

AT

POLICY GUAR.

TAX

AFTER CUM TAX NET A/T

NET

NET

START ANNUAL CASH

NET ANNUAL CUM LOAN

CASH DEATH

POL OF YR YEAR 31 61 32 62 33 63 34 64 35 65 36 66 37 67 38 68 39 69 40 70 41 71 42 72 43 73 44 74 45 75 46 76 47 77 48 78 49 79 50 80 51 81 52 82 53 83 54 84 55 85 56 86 57 87 58 88 59 89 60 90 61 91 62 92 63 93 64 94 65 95 66 96 67 97 68 98 69 99 70 100 71 101 72 102 73 103 74 104 75 105

PREM VALUE PREM LOAN LOAN INTEREST OUTLAY OUTLAY VALUE BENEFIT

#

# *

#

#

#

# *

# *

## *

## *

##

9,190 336,940 9,190 352,150 9,190 367,610 9,190 383,330 9,190 399,290 9,190 415,500 9,190 431,930 9,190 448,570 9,190 465,410 9,190 482,420 9,190 499,540 9,190 516,760 9,190 534,050 9,190 551,400 9,190 568,790 9,190 586,220 9,190 603,660 9,190 621,110 9,190 638,550 9,190 656,000 9,190 673,040 9,190 689,630 9,190 705,910 9,190 721,870 9,190 737,460 9,190 753,050 9,190 767,980 9,190 782,320 9,190 796,140 9,190 809,930 9,190 825,160 9,190 841,200 9,190 857,680 9,190 874,600 9,190 892,100 9,190 911,610 9,190 934,900 9,190 966,410

0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0

0 0 0 0

0 500,000 1,298,386 3,101,225 0 500,000 1,360,451 3,144,059 0 500,000 1,425,286 3,188,922 0 500,000 1,493,002 3,235,851

-90,988

0 -90,988 409,012 1,469,152 3,096,948

-90,988 -90,988 -90,988 -90,988

0 -90,988 318,024 1,443,805 2,962,718 0 -90,988 227,036 1,416,876 2,831,296 0 -90,988 136,048 1,388,277 2,702,528

0 -90,988

45,060 1,357,900 2,576,200

-45,060 47,765 47,765

1,837 -90,988 -45,928 1,325,230 2,487,428

0 96,538 144,303 0 100,400 244,703 0 104,416 349,119 0 108,592 457,711 0 112,936 570,647 0 117,453 688,100 0 122,152 810,252 0 127,038 937,289 0 132,119 1,069,408 0 137,404 1,206,812 0 142,900 1,349,712 0 148,616 1,498,328 0 154,561 1,652,889 0 160,743 1,813,632 0 72,545 1,886,177 0 75,447 1,961,624 0 78,465 2,040,089 0 81,604 2,121,693 0 84,868 2,206,561 0 88,262 2,294,823 0 91,793 2,386,616 0 95,465 2,482,081 0 99,283 2,581,364

5,550 -90,988 -136,916 1,290,098 2,429,981 9,412 -90,988 -227,904 1,252,596 2,368,461 13,428 -90,988 -318,892 1,212,617 2,303,321 17,604 -90,988 -409,880 1,169,945 2,234,425 21,948 -90,988 -500,868 1,124,449 2,161,618 26,465 -90,988 -591,856 1,075,907 2,084,714 31,164 -90,988 -682,844 1,023,370 2,003,269 36,050 -90,988 -773,832 966,569 1,916,133 41,131 -90,988 -864,820 905,258 1,823,077 46,416 -90,988 -955,808 839,105 1,723,833 51,912 -90,988 -1,046,796 767,281 1,618,603 57,628 -90,988 -1,137,784 689,335 1,507,313 63,573 -90,988 -1,228,772 605,117 1,389,448 69,755 -90,988 -1,319,760 514,177 1,264,611

72,545

0 -1,319,760 511,540 1,227,975

75,447 78,465 81,604 84,868 88,262 91,793 95,465 99,283

0 -1,319,760 506,474 1,187,771 0 -1,319,760 497,603 1,144,625 0 -1,319,760 484,697 1,098,342 0 -1,319,760 467,546 1,048,498

0 -1,319,760 446,572

994,105

0 -1,319,760 420,164 0 -1,319,760 390,283 0 -1,319,760 355,796 0 -1,319,760 316,640 0 -1,319,760 272,680 0 -1,319,760 226,554 0 -1,319,760 182,296 0 -1,319,760 150,237 0 -1,319,760 138,994 0 -1,319,760 142,427 0 -1,319,760 145,879 0 -1,319,760 149,384 0 -1,319,760 152,900 0 -1,319,760 156,463 2,397 -1,317,363 162,562

929,979 857,337 777,887 691,814 598,790 497,472 386,915 264,371 138,994 142,427 145,879 149,384 152,900 156,463 162,562

0 103,255 2,684,618 103,255 0 107,385 2,792,003 107,385

0 111,680 2,903,683

111,680

0 116,147 3,019,830 116,147 0 120,793 3,140,624 120,793 0 125,625 3,266,249 125,625 0 130,650 3,396,899 130,650 0 135,876 3,532,775 135,876 0 141,311 3,674,086 141,311 0 146,963 3,821,049 146,963 0 152,842 3,973,891 152,842 0 156,463 4,130,354 158,860

0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000 0 1,000,000

March 17, 2019 ID:6615

Version: 2.23.0

Page: 17 of 19