Whole Life 95 Illustration 10 Year Old Female - Prosperity Thinkers

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January 04, 2016 Version: 2.7.0

Kim D Butler22790 US Hwy 259 SouthMt. Enterprise, TX 75681877-889-3981Fax: 602-532-7915E-Mail: [email protected]

Whole Life 95 IllustrationPrepared for:

10 Year Old Female

Home Office:The Guardian Life Insurance Company of America

7 Hanover SquareNew York, NY 10004

(800) 441-6455

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GuardianLife Insurance Illustration

Narrative Summary

10 Year Old Female, Female Age 10, Non-SmokerBenefit Premium **

$100,000 Whole Life 95 $644.00Paid Up Additions Rider (Scheduled) $100.00Paid Up Additions Rider (Unscheduled) $579.00

Total First Year Premium $1,323.00

Dividend Option: Paid Up Additions (D)

January 04, 2016 ID:6682 Version: 2.7.0

Plan Overview: The following is a general description of the proposed benefits. The complete terms and conditions are shownin the policy.

Whole Life 95(2014 Series):

• Whole Life Insurance Policy, Generic Form Number: 14-L95.• A permanent life insurance policy with cash value. Qualifies for annual dividends.• Level guaranteed death benefit for the insured's lifetime.• Level guaranteed premium payable to age 95.

Dividend Option: • Paid Up Additions (D)• Dividends are used to purchase additional paid-up insurance (PUA's). PUA's purchased with dividends will

increase the cash value and the death benefit.

Paid Up AdditionsRider (PUA)

• Paid-Up Additional Whole Life Insurance Rider, Generic Form Number: 14-IPUA.• The rider generates dividends, guaranteed cash value and a guaranteed death benefit.• Premiums for this rider are allowed to age 95.• The policy owner may elect to discontinue premium payments at any time although previously purchased

coverage will continue unless surrendered.• A 5% Service Fee will be deducted from each payment made under this rider prior to applying the balance of

the payment to purchase paid-up additions.

Important Notes: ** This illustration was run assuming a mode of Annual. All premium and other payments are deemed to bemade on policy anniversaries.

This illustration shows one or more PUA payments after year one that exceed a specified multiple of thebase policy premium. The multiple is three times the base policy premium in years 2 - 10 and one timesthe base policy premium in years 11 and later. Payments in excess of this limit are subject to approval. One of the conditions may be that the insured provide satisfactory evidence of insurability.

This illustration is based on the following PUA Rider premiums:

Year 1 To 14Year 15 To 15Year 16 To 17Year 18 To 23Year 24 To 24Year 25 To 27Year 28 To 32Year 33 To 33Year 34 To 37Year 38 To 41

Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$579.00$507.52$417.11$579.00$438.90$344.26$579.00$412.69$255.80$579.00

Additional PUA premiums are reflected in the illustration.

The values associated with the Paid-Up Additions Rider are based on the assumption that payments are madeexactly on the anniversary or other due date.

Figures depending on dividends are based on the 2016 dividend scale and are not guaranteed. This illustrationassumes that the currently illustrated non-guaranteed elements, including dividends, will continue unchangedfor all years shown. This is not likely to occur and the actual results may be more or less favorable than thoseshown. The assumptions on which non-guaranteed elements are based are subject to change by the Company.

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Narrative Summary


Important Notes: The Numeric Summary report shows the values under three sets of assumptions. In each scenario, the valuesare based on paying the premium every year and taking no loans or other distributions. (Unscheduled PUApayments shown are based on the expected amounts.)

Guaranteed: The columns show the values assuming that no dividends are ever paid. The guaranteed cash values are basedon an interest rate of 4.00% to age 100 and 0% thereafter. The premiums for any riders are shown at theirguaranteed maximum cost.

• The Annual Premium column shows the maximum annual premium for the base policy and any riders at thebeginning of the year.

• The Cash Value column shows the guaranteed cash surrender value of the base policy and any riders at theend of the year.

• The Death Benefit column shows the guaranteed death benefit of the base policy and any riders at the end ofthe year.

Current: Non-Guaranteed - Current - Values are non-guaranteed. The columns show the values based on the 2016dividend scale. The premiums for any riders are shown at their non-guaranteed scheduled rate.

• The Net Premium column shows the amount paid (or received) at the beginning of the year based on currentassumptions.

• The Cash Value column shows the values at the end of the year based on current assumptions.• The Death Benefit column shows the death benefit at the end of the year based on current assumptions.

Intermediate: Non-Guaranteed - Intermediate - The columns show the values assuming dividends at 50% of the dividendscontained in the current illustrated scale. The premiums for any riders are shown at a rate half way between thenon-guaranteed scheduled rate and the guaranteed maximum cost, if applicable.

• The Net Premium column shows the amount paid (or received) at the beginning of the year based onintermediate assumptions.

• The Cash Value column shows the values at the end of the year based on the intermediate assumptions.• The Death Benefit column shows the death benefit at the end of the year based on intermediate assumptions.

The Tabular Detail report is based on the same current and guaranteed assumptions and definitions as shown onthe Numeric Summary report.

The Planning Concept report is based on the 2016 dividend interest rate and current assumptions.

5% Interest Adjusted indices are shown on the Tabular Detail report. They are based on the base policy onlyand do not include any supplemental coverages. These indices are useful in comparing policies of similartypes. A low index number represents a lower cost than a higher index number. See the Life Insurance Buyer'sGuide for further information.

Guardian's current Individual Life Dividend Scale meets the requirements of the National Association ofInsurance Commissioners (NAIC) Life Insurance Model Regulation and is not more favorable than the lesserof, (i) the Disciplined Current Scale or (ii) the currently payable scale.

The end-of-year dividend amount is included in the Cash Value of All Adds column, even if a dividend optionother than Paid Up Additions is elected.

Dividends can be affected by policy loans. The interest charged on policy loans is payable in advance and isguaranteed at the effective annual rate of 8.00% for the first 55 years. Thereafter the rate is 4.00%.

The cost of this policy over a period of years cannot be determined without taking into account the interest thatwould have been earned on the premiums if they had been invested rather than paid to Guardian.

This policy as shown on the Planning Concept report will not become a Modified Endowment Contract (MEC). The term MEC is designated under federal tax law. If a policy becomes a MEC, surrenders, withdrawals, loansand collateral assignments will be taxed less favorably than for non-MEC.

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Narrative Summary


It may violate federal law to use policies whose rates vary by gender in qualified plans.

Life insurance contract death benefits are generally excludable from the income of the recipient. However, ifthe policy is considered "Employer Owned Life Insurance" (EOLI) under the Internal Revenue Code, thebenefit may be considered taxable. Under certain circumstances, this tax treatment applies to individuallyowned policies as well as employer owned policies. Your agent can provide you with the formEOLINOTICE101J0809 Notice & Consent for Employer Owned Life Insurance. Contact your tax advisor fordetails about complying with the regulation.

Guardian, its subsidiaries, agents, or employees do not give tax or legal advice. You should consult your tax orlegal advisor regarding your individual situation.

The Supplemental Numeric Report includes columns similar to the Numeric Summary, under the same threesets of assumptions. It also reflects concept assumptions such as loans, withdrawals, or dividends applied toreduce premium, if shown in the Planning Concept report.

Future performance will vary based on factors including investment earnings, death claims, overhead costs andeconomic conditions.

This illustration may include the Total Guaranteed Cash Value or Guaranteed Face Amount of Paid UpInsurance columns. If so, a positive value is shown in those columns only with certain dividend options and ifthe following conditions are met: there is an illustrated Paid Up Additions Rider; there are no policy loans; andthe illustrated outlay is sufficient to maintain the base policy benefits and Target Additional Benefit on aguaranteed basis. Otherwise the symbol && is shown.

The tax bracket is assumed to be 28% for all years.

The product(s) presented in this illustration may not be available in your state. Any application for anunapproved product will be declined.

This illustration is only valid for use in Texas. This illustration may not be valid if it is more than two weeksold.

This illustration is complete only if all pages are attached and the producer's name, address andsignature appear.

We strive to ensure the accuracy of this illustration; however, if there is a discrepancy between the illustrationand the contract, the contract governs.

This illustration and the information contained therein is intended solely for the use of duly authorizedemployees and agents of The Guardian Life Insurance Company of America or any of its affiliated insurancecompanies ("Guardian"). This illustration and any information entered into, provided by or generated from thissystem is not to be altered, edited, downloaded or otherwise marked and is to be presented in its entirety in theformat developed by the system. If information is being downloaded or exported using this site's capabilities,the information downloaded or exported may only be shown to a client if presented in a format that is approvedthrough the Company's GEAR system and is presented in conjunction with a full basic illustration. Someinformation may be considered private information and all users should adhere to Guardian's privacy rules andprotocols for proper handling. Any use of this illustration or the information contained therein in a mannercontrary to the rules contained herein may be in violation of state or federal regulations and/or Guardian policy,and appropriate action will be taken to address.

Guardian Proposal System TM ("GPS") is the exclusive property of The Guardian Life Insurance Company ofAmerica ("Guardian") and its licensors, and is only to be used for internal purposes and not to be distributed tothe general public. GPS may not be copied in whole or in part without Guardian's Legal Department's priorwritten authorization.

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Narrative Summary


Symbol Definitions: ###*@

This symbol indicates values shown are Beginning-of-YearThis symbol indicates values shown are End-of-YearThis symbol indicates values are non-guaranteed and may be affected by dividends.This symbol indicates that a premium is payable unless the Guaranteed Annual Premium is shown as 0.

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Numeric Summary






Guaranteed Non-Guaranteed - Current Non-Guaranteed - IntermediateAGE AT ANNUAL CASH DEATH NET CASH DEATH NET CASH DEATH

POL START PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFITYR OF YEAR # ## ## #* ##* ##* #* ##* ##*

5 14 1,323 5,161 139,410 1,323 5,551 143,009 1,323 5,380 141,231

10 19 1,323 11,457 172,335 1,323 12,392 180,018 1,323 12,086 177,454

20 29 1,323 27,327 220,116 1,323 31,345 243,588 1,323 29,731 234,413

61 70 644 158,834 285,363 644 282,617 499,951 644 214,897 382,740

66 75 644 179,963 285,363 644 343,106 537,209 644 252,178 397,023

71 80 644 201,298 285,363 644 411,883 578,177 644 292,378 412,173

76 85 644 221,248 285,363 644 486,857 623,418 644 333,436 428,297

81 90 644 239,055 285,363 644 565,257 671,749 644 373,645 444,898

Applicant's Statement:

I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject tochange and could be either higher or lower. The agent has told me they are not guaranteed and has explained the pagelabeled 'Understanding Premium Offset'.

Applicant's (Owner's) Signature Additional Signature (if required) Date

Insurance Producer's Statement:

I certify that this illustration has been given to the applicant and that I have explained that any non-guaranteed elementsillustrated are subject to change. I have made no statements that are inconsistent with the illustration.

Producer's Signature Date

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Supplemental Numeric Report






The Total Outlay does not reflect any taxes that may be due on loans or other distributions.

Guaranteed Non-Guaranteed - Current Non-Guaranteed - IntermediateAGE AT TOTAL NET CASH NET DEATH TOTAL NET CASH NET DEATH TOTAL NET CASH NET DEATH

POL START OUTLAY VALUE BENEFIT OUTLAY VALUE BENEFIT OUTLAY VALUE BENEFITYR OF YEAR # ## ## # * ## * ## * # * ## * ## *

1 10 1,323 685 108,467 1,323 685 108,467 1,323 685 108,4672 11 1,323 1,870 116,630 1,323 1,963 116,723 1,323 1,916 116,6763 12 1,323 2,930 124,499 1,323 3,126 125,729 1,323 3,028 125,1144 13 1,323 4,026 132,089 1,323 4,338 134,500 1,323 4,182 133,2945 14 1,323 5,161 139,410 1,323 5,551 143,009 1,323 5,380 141,231

6 15 1,323 6,336 146,473 1,323 6,812 150,807 1,323 6,624 148,9327 16 1,323 7,550 153,287 1,323 8,124 158,393 1,323 7,913 156,3938 17 1,323 8,807 159,863 1,323 9,486 165,796 1,323 9,250 163,6339 18 1,323 10,111 166,210 1,323 10,908 172,991 1,323 10,641 170,646

10 19 1,323 11,457 172,335 1,323 12,392 180,018 1,323 12,086 177,454

11 20 1,323 12,837 178,247 1,323 13,928 186,941 1,323 13,574 184,09512 21 1,323 14,268 183,953 1,323 15,534 193,739 1,323 15,123 190,56113 22 1,323 15,751 189,460 1,323 17,214 200,417 1,323 16,737 196,85914 23 1,323 17,291 194,775 1,323 18,973 207,000 1,323 18,419 203,00515 24 1,252 18,817 199,364 1,252 20,744 212,925 1,252 20,101 208,449

16 25 1,161 20,309 203,133 1,161 22,532 218,145 1,161 21,776 213,12217 26 1,161 21,857 206,770 1,161 24,429 223,495 1,161 23,509 217,76118 27 1,323 23,616 211,378 1,323 26,600 230,073 1,323 25,484 223,33619 28 1,323 25,439 215,825 1,323 28,902 236,764 1,323 27,556 228,88320 29 1,323 27,327 220,116 1,323 31,345 243,588 1,323 29,731 234,413

21 30 1,323 29,285 224,258 1,323 33,908 250,514 1,323 31,999 239,91422 31 1,323 31,310 228,255 1,323 36,589 257,385 1,323 34,359 245,30823 32 1,323 33,407 232,112 1,323 39,393 264,193 1,323 36,816 250,59424 33 1,183 35,438 235,067 1,183 42,186 270,161 1,183 39,232 255,00225 34 1,088 37,445 237,418 1,088 45,013 275,588 1,088 41,652 258,830

26 35 1,088 39,512 239,688 1,088 47,965 281,001 1,088 44,162 262,60227 36 1,088 41,650 241,879 1,088 51,057 286,427 1,088 46,774 266,33328 37 1,323 44,089 245,113 1,323 54,517 292,964 1,323 49,720 271,13129 38 1,323 46,612 248,236 1,323 58,139 299,457 1,323 52,786 275,84330 39 1,323 49,222 251,252 1,323 61,931 305,928 1,323 55,976 280,481

31 40 1,323 51,922 254,165 1,323 65,895 312,375 1,323 59,294 285,04632 41 1,323 54,713 256,979 1,323 70,046 318,796 1,323 62,747 289,53733 42 1,157 57,432 259,031 1,157 74,220 324,547 1,157 66,171 293,30234 43 1,000 60,085 260,407 1,000 78,429 329,703 1,000 69,574 296,41935 44 1,000 62,818 261,736 1,000 82,825 334,896 1,000 73,105 299,519

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36 45 1,000 65,632 263,020 1,000 87,409 340,119 1,000 76,765 302,59937 46 1,000 68,526 264,261 1,000 92,198 345,383 1,000 80,560 305,66438 47 1,323 71,815 266,551 1,323 97,510 351,805 1,323 84,805 309,81939 48 1,323 75,190 268,765 1,323 103,040 358,262 1,323 89,195 313,93740 49 1,323 78,649 270,907 1,323 108,800 364,758 1,323 93,732 318,023

41 50 1,323 82,190 272,980 1,323 114,792 371,315 1,323 98,415 322,08742 51 1,280 85,772 274,858 1,280 120,982 377,802 1,280 103,206 326,00243 52 881 89,038 275,535 881 127,015 383,210 881 107,748 328,75744 53 881 92,369 276,191 881 133,278 388,716 881 112,425 331,53145 54 881 95,762 276,827 881 139,777 394,321 881 117,236 334,324

46 55 881 99,220 277,443 881 146,524 400,032 881 122,186 337,13947 56 881 102,733 278,041 881 153,509 405,852 881 127,267 339,97648 57 1,323 106,737 279,705 1,323 161,185 412,865 1,323 132,920 343,92049 58 1,323 110,808 281,321 1,323 169,137 419,975 1,323 138,725 347,86550 59 1,323 114,957 282,890 1,323 177,382 427,181 1,323 144,694 351,809

51 60 1,323 119,187 284,415 1,323 185,935 434,482 1,323 150,835 355,75352 61 1,079 123,256 285,363 1,079 194,558 441,340 1,079 156,907 359,16253 62 644 126,975 285,363 644 203,064 447,372 644 162,719 361,65754 63 644 130,756 285,363 644 211,870 453,518 644 168,686 364,18255 64 644 134,601 285,363 644 220,996 459,780 644 174,815 366,738

56 65 644 138,505 285,363 644 230,441 466,168 644 181,103 369,32757 66 644 142,469 285,363 644 240,208 472,673 644 187,550 371,94758 67 644 146,487 285,363 644 250,308 479,300 644 194,156 374,59759 68 644 150,557 285,363 644 260,740 486,055 644 200,916 377,27960 69 644 154,677 285,363 644 271,512 492,936 644 207,834 379,993

61 70 644 158,834 285,363 644 282,617 499,951 644 214,897 382,74062 71 644 163,024 285,363 644 294,058 507,106 644 222,101 385,52363 72 644 167,233 285,363 644 305,822 514,409 644 229,431 388,34364 73 644 171,464 285,363 644 317,922 521,859 644 236,893 391,20065 74 644 175,707 285,363 644 330,347 529,460 644 244,474 394,093

66 75 644 179,963 285,363 644 343,106 537,209 644 252,178 397,02367 76 644 184,226 285,363 644 356,199 545,110 644 259,998 399,98868 77 644 188,493 285,363 644 369,617 553,156 644 267,929 402,98669 78 644 192,761 285,363 644 383,363 561,344 644 275,968 406,01470 79 644 197,032 285,363 644 397,458 569,687 644 284,121 409,078

71 80 644 201,298 285,363 644 411,883 578,177 644 292,378 412,17372 81 644 205,470 285,363 644 426,504 586,855 644 300,621 415,31373 82 644 209,531 285,363 644 441,278 595,725 644 308,824 418,49974 83 644 213,521 285,363 644 456,276 604,777 644 317,039 421,72675 84 644 217,429 285,363 644 471,478 614,010 644 325,248 424,993

76 85 644 221,248 285,363 644 486,857 623,418 644 333,436 428,29777 86 644 225,072 285,363 644 502,562 632,940 644 341,722 431,61678 87 644 228,734 285,363 644 518,276 642,609 644 349,872 434,96279 88 644 232,256 285,363 644 533,924 652,334 644 357,874 438,30280 89 644 235,655 285,363 644 549,516 662,069 644 365,744 441,621

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81 90 644 239,055 285,363 644 565,257 671,749 644 373,645 444,89882 91 644 242,810 285,363 644 581,873 681,270 644 382,092 448,09983 92 644 246,770 285,363 644 599,079 690,661 644 390,874 451,23484 93 644 250,854 285,363 644 616,772 700,028 644 399,893 454,34185 94 644 255,063 285,363 644 634,931 709,378 644 409,139 457,420

86 95 0 259,078 285,363 0 652,995 718,426 0 418,170 460,33387 96 0 263,504 285,363 0 672,213 727,308 0 427,887 463,16988 97 0 268,723 285,363 0 693,653 736,102 0 438,939 465,95989 98 0 275,778 285,363 0 719,443 744,186 0 452,851 468,50890 99 0 285,363 285,363 0 751,435 751,435 0 470,780 470,780

91 100 0 285,363 285,363 0 789,332 789,332 0 482,642 482,64292 101 0 285,363 285,363 0 829,143 829,143 0 494,804 494,80493 102 0 285,363 285,363 0 870,965 870,965 0 507,273 507,27394 103 0 285,363 285,363 0 914,899 914,899 0 520,057 520,05795 104 0 285,363 285,363 0 961,051 961,051 0 533,163 533,163

96 105 0 285,363 285,363 0 1,009,534 1,009,534 0 546,600 546,60097 106 0 285,363 285,363 0 1,060,466 1,060,466 0 560,377 560,37798 107 0 285,363 285,363 0 1,113,969 1,113,969 0 574,502 574,50299 108 0 285,363 285,363 0 1,170,175 1,170,175 0 588,983 588,983

100 109 0 285,363 285,363 0 1,229,219 1,229,219 0 603,830 603,830

101 110 0 285,363 285,363 0 1,291,244 1,291,244 0 619,051 619,051102 111 0 285,363 285,363 0 1,356,402 1,356,402 0 634,657 634,657103 112 0 285,363 285,363 0 1,424,850 1,424,850 0 650,657 650,657104 113 0 285,363 285,363 0 1,496,755 1,496,755 0 667,062 667,062105 114 0 285,363 285,363 0 1,572,291 1,572,291 0 683,880 683,880

106 115 0 285,363 285,363 0 1,651,642 1,651,642 0 701,123 701,123107 116 0 285,363 285,363 0 1,735,000 1,735,000 0 718,801 718,801108 117 0 285,363 285,363 0 1,822,567 1,822,567 0 736,926 736,926109 118 0 285,363 285,363 0 1,914,557 1,914,557 0 755,508 755,508110 119 0 285,363 285,363 0 2,011,192 2,011,192 0 774,560 774,560

111 120 0 285,363 285,363 0 2,112,707 2,112,707 0 794,092 794,092

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Tabular Detail






Guaranteed Non-Guaranteed - CurrentAGE AT ANNUAL CASH DEATH NET CASH DEATH

POL START PREMIUM VALUE BENEFIT PREMIUM VALUE BENEFITYR OF YR # ## ## # * ## * ## *

1 10 1,323 685 108,467 1,323 685 108,4672 11 1,323 1,870 116,630 1,323 1,963 116,7233 12 1,323 2,930 124,499 1,323 3,126 125,7294 13 1,323 4,026 132,089 1,323 4,338 134,5005 14 1,323 5,161 139,410 1,323 5,551 143,009

6 15 1,323 6,336 146,473 1,323 6,812 150,8077 16 1,323 7,550 153,287 1,323 8,124 158,3938 17 1,323 8,807 159,863 1,323 9,486 165,7969 18 1,323 10,111 166,210 1,323 10,908 172,991

10 19 1,323 11,457 172,335 1,323 12,392 180,018

11 20 1,323 12,837 178,247 1,323 13,928 186,94112 21 1,323 14,268 183,953 1,323 15,534 193,73913 22 1,323 15,751 189,460 1,323 17,214 200,41714 23 1,323 17,291 194,775 1,323 18,973 207,00015 24 1,252 18,817 199,364 1,252 20,744 212,925

16 25 1,161 20,309 203,133 1,161 22,532 218,14517 26 1,161 21,857 206,770 1,161 24,429 223,49518 27 1,323 23,616 211,378 1,323 26,600 230,07319 28 1,323 25,439 215,825 1,323 28,902 236,76420 29 1,323 27,327 220,116 1,323 31,345 243,588

21 30 1,323 29,285 224,258 1,323 33,908 250,51422 31 1,323 31,310 228,255 1,323 36,589 257,38523 32 1,323 33,407 232,112 1,323 39,393 264,19324 33 1,183 35,438 235,067 1,183 42,186 270,16125 34 1,088 37,445 237,418 1,088 45,013 275,588

26 35 1,088 39,512 239,688 1,088 47,965 281,00127 36 1,088 41,650 241,879 1,088 51,057 286,42728 37 1,323 44,089 245,113 1,323 54,517 292,96429 38 1,323 46,612 248,236 1,323 58,139 299,45730 39 1,323 49,222 251,252 1,323 61,931 305,928

31 40 1,323 51,922 254,165 1,323 65,895 312,37532 41 1,323 54,713 256,979 1,323 70,046 318,79633 42 1,157 57,432 259,031 1,157 74,220 324,54734 43 1,000 60,085 260,407 1,000 78,429 329,70335 44 1,000 62,818 261,736 1,000 82,825 334,896

36 45 1,000 65,632 263,020 1,000 87,409 340,11937 46 1,000 68,526 264,261 1,000 92,198 345,38338 47 1,323 71,815 266,551 1,323 97,510 351,80539 48 1,323 75,190 268,765 1,323 103,040 358,26240 49 1,323 78,649 270,907 1,323 108,800 364,758

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Tabular Detail




41 50 1,323 82,190 272,980 1,323 114,792 371,31542 51 1,280 85,772 274,858 1,280 120,982 377,80243 52 881 89,038 275,535 881 127,015 383,21044 53 881 92,369 276,191 881 133,278 388,71645 54 881 95,762 276,827 881 139,777 394,321

46 55 881 99,220 277,443 881 146,524 400,03247 56 881 102,733 278,041 881 153,509 405,85248 57 1,323 106,737 279,705 1,323 161,185 412,86549 58 1,323 110,808 281,321 1,323 169,137 419,97550 59 1,323 114,957 282,890 1,323 177,382 427,181

51 60 1,323 119,187 284,415 1,323 185,935 434,48252 61 1,079 123,256 285,363 1,079 194,558 441,34053 62 644 126,975 285,363 644 203,064 447,37254 63 644 130,756 285,363 644 211,870 453,51855 64 644 134,601 285,363 644 220,996 459,780

56 65 644 138,505 285,363 644 230,441 466,16857 66 644 142,469 285,363 644 240,208 472,67358 67 644 146,487 285,363 644 250,308 479,30059 68 644 150,557 285,363 644 260,740 486,05560 69 644 154,677 285,363 644 271,512 492,936

61 70 644 158,834 285,363 644 282,617 499,95162 71 644 163,024 285,363 644 294,058 507,10663 72 644 167,233 285,363 644 305,822 514,40964 73 644 171,464 285,363 644 317,922 521,85965 74 644 175,707 285,363 644 330,347 529,460

66 75 644 179,963 285,363 644 343,106 537,20967 76 644 184,226 285,363 644 356,199 545,11068 77 644 188,493 285,363 644 369,617 553,15669 78 644 192,761 285,363 644 383,363 561,34470 79 644 197,032 285,363 644 397,458 569,687

71 80 644 201,298 285,363 644 411,883 578,17772 81 644 205,470 285,363 644 426,504 586,85573 82 644 209,531 285,363 644 441,278 595,72574 83 644 213,521 285,363 644 456,276 604,77775 84 644 217,429 285,363 644 471,478 614,010

76 85 644 221,248 285,363 644 486,857 623,41877 86 644 225,072 285,363 644 502,562 632,94078 87 644 228,734 285,363 644 518,276 642,60979 88 644 232,256 285,363 644 533,924 652,33480 89 644 235,655 285,363 644 549,516 662,069

81 90 644 239,055 285,363 644 565,257 671,74982 91 644 242,810 285,363 644 581,873 681,27083 92 644 246,770 285,363 644 599,079 690,66184 93 644 250,854 285,363 644 616,772 700,02885 94 644 255,063 285,363 644 634,931 709,378

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Tabular Detail




86 95 0 259,078 285,363 0 652,995 718,42687 96 0 263,504 285,363 0 672,213 727,30888 97 0 268,723 285,363 0 693,653 736,10289 98 0 275,778 285,363 0 719,443 744,18690 99 0 285,363 285,363 0 751,435 751,435

91 100 0 285,363 285,363 0 789,332 789,33292 101 0 285,363 285,363 0 829,143 829,14393 102 0 285,363 285,363 0 870,965 870,96594 103 0 285,363 285,363 0 914,899 914,89995 104 0 285,363 285,363 0 961,051 961,051

96 105 0 285,363 285,363 0 1,009,534 1,009,53497 106 0 285,363 285,363 0 1,060,466 1,060,46698 107 0 285,363 285,363 0 1,113,969 1,113,96999 108 0 285,363 285,363 0 1,170,175 1,170,175

100 109 0 285,363 285,363 0 1,229,219 1,229,219

101 110 0 285,363 285,363 0 1,291,244 1,291,244102 111 0 285,363 285,363 0 1,356,402 1,356,402103 112 0 285,363 285,363 0 1,424,850 1,424,850104 113 0 285,363 285,363 0 1,496,755 1,496,755105 114 0 285,363 285,363 0 1,572,291 1,572,291

106 115 0 285,363 285,363 0 1,651,642 1,651,642107 116 0 285,363 285,363 0 1,735,000 1,735,000108 117 0 285,363 285,363 0 1,822,567 1,822,567109 118 0 285,363 285,363 0 1,914,557 1,914,557110 119 0 285,363 285,363 0 2,011,192 2,011,192

111 120 0 285,363 285,363 0 2,112,707 2,112,707

Mode Selected: Annual (excludes Unscheduled PUA Payments)

Mode Modal FactorInitial Modal

PremiumAnnual 1.000000 744.00

5% Interest Adjusted Indices

YearNet

Pay.SurrenderCost Index

Equiv. Lev.Dividend

10 5.84 3.14 0.6020 5.58 3.10 0.86

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Understanding Premium Offset


This illustration shows using dividends to pay some premiums due in future years (Premium Offset). Premium Offset illustrations areshown to demonstrate the possibility of using dividend values to reduce future out-of-pocket outlays. Dividends are not guaranteed.Premiums are required for the number of years shown in the policy. Premiums shown as paid by dividends in this illustration arenot canceled, forgiven or waived by the company. The Premium Offset year shown in this illustration is predicated on each non-guaranteed factor remaining unchanged in each year, a scenario which is highly unlikely. Non-guaranteed factors -- dividends, the costof term and other riders as described in the illustration -- are likely to vary over time reflecting actual economic and mortalityexperience. Under current economic conditions, dividends are also reduced by an individual's policy loan activity, if any. Please notethe following:

• Unless the illustration states specifically that a policy becomes paid-up at a specified age or year, an illustration does NOTrepresent a "paid-up policy". Every illustration explicitly states the required premiums in the "Narrative Summary" and "TabularDetail" sections.

• Premium Offset does not occur automatically. It must be requested by the policyowner when sufficient policy values haveaccumulated to support a Premium Offset. Even if dividend values are adequate to offset future premiums, there may becircumstances where it is not in the policyowner's best interest to elect this option. Therefore, before deciding to elect PremiumOffset, you should review your policy and personal circumstances with your agent. Note: the Planning Concept typically is basedon the assumption that the policyholder elects to change the status of the PUA rider from premium paying to paid-up at the time ofthe Premium Offset request.

• Future dividends may be less or more than those illustrated. If dividends are lower, you may need to continue cash outlays longerthan shown, or even resume cash outlays after an initial Premium Offset. As long as the policy is in force, Guardian recommendsyou periodically request that your agent review a revised illustration with you.

Hypothetical ExampleMale Age 50--Preferred NTWhole Life 99 (2014 Series)

Dividend Option Paid Up AdditionsBasic Face Amount $250,000No Riders

Premium $6,372.50

Guaranteed Factors Full Pay until attained age 99

The offset year is the last year that a cash premium payment is required prior to Premium Offset.

The offset year is 15 based on Guardian's 2016 dividend scale.The offset year is 19 assuming dividends are 25% less than Guardian's 2016 dividend scale.The offset year is 27 assuming dividends are 50% less than Guardian's 2016 dividend scale.

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Planning Concept Based on the 2016 Dividend Scale






The MEC testing on this illustration is based on the assumption that the first year's Unscheduled PUA payment is made within 60 days of issue. Ifthe PUA payment is made later in the year, the maximum non-MEC premium is significantly reduced.

Guaranteed Non-Guaranteed

CASHAGE BASE BASE NET VALUEAT POLICY GUAR. END OF CUM AFTER CUM OF NET NET

START ANNUAL CASH YEAR NET NET TAX NET A/T ALL CASH DEATHPOL OF PREM VALUE DIVIDEND PREM PREM OUTLAY OUTLAY ADDS VALUE BENEFITYR YEAR # ## ## * # * # * # * # * ## * ## * ## *

1 10 644 16 0 1,323 1,323 1,323 1,323 669 685 108,4672 11 644 507 93 1,323 2,646 1,323 2,646 1,456 1,963 116,7233 12 644 848 100 1,323 3,969 1,323 3,969 2,278 3,126 125,7294 13 644 1,199 108 1,323 5,292 1,323 5,292 3,139 4,338 134,5005 14 644 1,562 67 1,323 6,615 1,323 6,615 3,989 5,551 143,009

6 15 644 1,937 72 1,323 7,938 1,323 7,938 4,875 6,812 150,8077 16 644 2,323 81 1,323 9,261 1,323 9,261 5,801 8,124 158,3938 17 644 2,723 85 1,323 10,584 1,323 10,584 6,763 9,486 165,7969 18 644 3,138 93 1,323 11,907 1,323 11,907 7,770 10,908 172,991

10 19 644 3,565 109 1,323 13,230 1,323 13,230 8,827 12,392 180,018

11 20 644 3,992 122 1,323 14,553 1,323 14,553 9,936 13,928 186,94112 21 644 4,435 135 1,323 15,876 1,323 15,876 11,099 15,534 193,73913 22 644 4,894 152 1,323 17,199 1,323 17,199 12,320 17,214 200,41714 23 644 5,371 166 1,323 18,522 1,323 18,522 13,602 18,973 207,00015 24 644 5,866 184 1,252 19,774 1,252 19,774 14,878 20,744 212,925

16 25 644 6,379 226 1,161 20,935 1,161 20,935 16,153 22,532 218,14517 26 644 6,911 269 1,161 22,096 1,161 22,096 17,518 24,429 223,49518 27 644 7,460 318 1,323 23,419 1,323 23,419 19,140 26,600 230,07319 28 644 8,029 372 1,323 24,742 1,323 24,742 20,873 28,902 236,76420 29 644 8,619 429 1,323 26,065 1,323 26,065 22,726 31,345 243,588

21 30 644 9,230 459 1,323 27,388 1,323 27,388 24,678 33,908 250,51422 31 644 9,862 489 1,323 28,711 1,323 28,711 26,727 36,589 257,38523 32 644 10,516 517 1,323 30,034 1,323 30,034 28,877 39,393 264,19324 33 644 11,192 547 1,183 31,217 1,183 31,217 30,994 42,186 270,16125 34 644 11,891 577 1,088 32,305 1,088 32,305 33,122 45,013 275,588

26 35 644 12,609 616 1,088 33,393 1,088 33,393 35,356 47,965 281,00127 36 644 13,352 652 1,088 34,481 1,088 34,481 37,705 51,057 286,42728 37 644 14,119 687 1,323 35,804 1,323 35,804 40,398 54,517 292,96429 38 644 14,912 730 1,323 37,127 1,323 37,127 43,227 58,139 299,45730 39 644 15,732 773 1,323 38,450 1,323 38,450 46,199 61,931 305,928

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31 40 644 16,580 815 1,323 39,773 1,323 39,773 49,315 65,895 312,37532 41 644 17,456 866 1,323 41,096 1,323 41,096 52,590 70,046 318,79633 42 644 18,360 916 1,157 42,253 1,157 42,253 55,860 74,220 324,54734 43 644 19,293 969 1,000 43,253 1,000 43,253 59,136 78,429 329,70335 44 644 20,254 1,022 1,000 44,253 1,000 44,253 62,571 82,825 334,896

36 45 644 21,243 1,077 1,000 45,253 1,000 45,253 66,166 87,409 340,11937 46 644 22,259 1,144 1,000 46,252 1,000 46,252 69,939 92,198 345,38338 47 644 23,300 1,215 1,323 47,575 1,323 47,575 74,210 97,510 351,80539 48 644 24,368 1,286 1,323 48,898 1,323 48,898 78,672 103,040 358,26240 49 644 25,459 1,369 1,323 50,221 1,323 50,221 83,341 108,800 364,758

41 50 644 26,575 1,454 1,323 51,544 1,323 51,544 88,217 114,792 371,31542 51 644 27,714 1,541 1,280 52,824 1,280 52,824 93,268 120,982 377,80243 52 644 28,875 1,631 881 53,705 881 53,705 98,140 127,015 383,21044 53 644 30,057 1,722 881 54,585 881 54,585 103,221 133,278 388,71645 54 644 31,261 1,821 881 55,466 881 55,466 108,516 139,777 394,321

46 55 644 32,487 1,925 881 56,347 881 56,347 114,037 146,524 400,03247 56 644 33,731 2,028 881 57,227 881 57,227 119,778 153,509 405,85248 57 644 34,995 2,144 1,323 58,550 1,323 58,550 126,190 161,185 412,86549 58 644 36,276 2,267 1,323 59,873 1,323 59,873 132,861 169,137 419,97550 59 644 37,580 2,389 1,323 61,196 1,323 61,196 139,802 177,382 427,181

51 60 644 38,907 2,518 1,323 62,519 1,323 62,519 147,028 185,935 434,48252 61 644 40,256 2,644 1,079 63,598 1,079 63,598 154,302 194,558 441,34053 62 644 41,628 2,771 644 64,242 644 64,242 161,436 203,064 447,37254 63 644 43,024 2,898 644 64,886 644 64,886 168,846 211,870 453,51855 64 644 44,442 3,037 644 65,530 644 65,530 176,554 220,996 459,780

56 65 644 45,883 3,180 644 66,174 644 66,174 184,558 230,441 466,16857 66 644 47,346 3,321 644 66,818 644 66,818 192,862 240,208 472,67358 67 644 48,829 3,476 644 67,462 644 67,462 201,479 250,308 479,30059 68 644 50,331 3,633 644 68,106 644 68,106 210,409 260,740 486,05560 69 644 51,852 3,795 644 68,750 644 68,750 219,660 271,512 492,936

61 70 644 53,387 3,968 644 69,394 644 69,394 229,230 282,617 499,95162 71 644 54,933 4,148 644 70,038 644 70,038 239,125 294,058 507,10663 72 644 56,488 4,337 644 70,682 644 70,682 249,334 305,822 514,40964 73 644 58,050 4,528 644 71,326 644 71,326 259,872 317,922 521,85965 74 644 59,618 4,727 644 71,970 644 71,970 270,729 330,347 529,460

66 75 644 61,190 4,928 644 72,614 644 72,614 281,916 343,106 537,20967 76 644 62,765 5,138 644 73,258 644 73,258 293,434 356,199 545,11068 77 644 64,342 5,344 644 73,902 644 73,902 305,275 369,617 553,15669 78 644 65,921 5,553 644 74,546 644 74,546 317,442 383,363 561,34470 79 644 67,500 5,780 644 75,190 644 75,190 329,958 397,458 569,687

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71 80 644 69,079 6,000 644 75,834 644 75,834 342,804 411,883 578,17772 81 644 70,624 6,266 644 76,478 644 76,478 355,880 426,504 586,85573 82 644 72,129 6,523 644 77,122 644 77,122 369,149 441,278 595,72574 83 644 73,609 6,775 644 77,766 644 77,766 382,667 456,276 604,77775 84 644 75,061 7,032 644 78,410 644 78,410 396,417 471,478 614,010

76 85 644 76,483 7,283 644 79,054 644 79,054 410,374 486,857 623,41877 86 644 77,909 7,480 644 79,698 644 79,698 424,653 502,562 632,94078 87 644 79,278 7,728 644 80,342 644 80,342 438,998 518,276 642,60979 88 644 80,601 7,868 644 80,986 644 80,986 453,323 533,924 652,33480 89 644 81,885 7,986 644 81,630 644 81,630 467,631 549,516 662,069

81 90 644 83,178 8,039 644 82,274 644 82,274 482,079 565,257 671,74982 91 644 84,610 8,001 643 82,917 643 82,917 497,263 581,873 681,26983 92 644 86,131 8,009 71 82,988 71 82,988 512,358 598,489 689,98184 93 644 87,718 8,118 71 83,060 71 83,060 527,858 615,576 698,67185 94 644 89,382 8,218 71 83,131 71 83,131 543,729 633,111 707,344

86 95 0 90,789 8,046 0 83,131 0 83,131 560,334 651,123 716,36787 96 0 92,340 8,040 0 83,131 0 83,131 577,947 670,287 725,22388 97 0 94,169 8,102 0 83,131 0 83,131 597,496 691,665 733,99289 98 0 96,641 7,559 0 83,131 0 83,131 620,740 717,381 742,05390 99 0 100,000 6,965 0 83,131 0 83,131 649,280 749,280 749,280

91 100 0 100,000 37,789 0 83,131 0 83,131 687,069 787,069 787,06992 101 0 100,000 39,697 0 83,131 0 83,131 726,766 826,766 826,76693 102 0 100,000 41,702 0 83,131 0 83,131 768,468 868,468 868,46894 103 0 100,000 43,808 0 83,131 0 83,131 812,275 912,275 912,27595 104 0 100,000 46,020 0 83,131 0 83,131 858,295 958,295 958,295

96 105 0 100,000 48,344 0 83,131 0 83,131 906,639 1,006,639 1,006,63997 106 0 100,000 50,785 0 83,131 0 83,131 957,424 1,057,424 1,057,42498 107 0 100,000 53,350 0 83,131 0 83,131 1,010,774 1,110,774 1,110,77499 108 0 100,000 56,044 0 83,131 0 83,131 1,066,818 1,166,818 1,166,818

100 109 0 100,000 58,874 0 83,131 0 83,131 1,125,693 1,225,693 1,225,693

101 110 0 100,000 61,847 0 83,131 0 83,131 1,187,540 1,287,540 1,287,540102 111 0 100,000 64,971 0 83,131 0 83,131 1,252,511 1,352,511 1,352,511103 112 0 100,000 68,252 0 83,131 0 83,131 1,320,763 1,420,763 1,420,763104 113 0 100,000 71,699 0 83,131 0 83,131 1,392,461 1,492,461 1,492,461105 114 0 100,000 75,319 0 83,131 0 83,131 1,467,781 1,567,781 1,567,781

106 115 0 100,000 79,123 0 83,131 0 83,131 1,546,903 1,646,903 1,646,903107 116 0 100,000 83,119 0 83,131 0 83,131 1,630,022 1,730,022 1,730,022108 117 0 100,000 87,316 0 83,131 0 83,131 1,717,338 1,817,338 1,817,338109 118 0 100,000 91,726 0 83,131 0 83,131 1,809,064 1,909,064 1,909,064110 119 0 100,000 96,358 0 83,131 0 83,131 1,905,422 2,005,422 2,005,422

111 120 0 100,000 101,224 0 83,131 0 83,131 2,006,645 2,106,645 2,106,645

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THIS ILLUSTRATION IS BASED ON THE 2016 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEEDELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THEACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN DEPENDING ON FACTORS INCLUDING INVESTMENTEARNINGS, OVERHEAD COSTS, DEATH CLAIMS, LAPSES, TAXES, ETC. THE ASSUMPTIONS ON WHICH NON-GUARANTEED ELEMENTSARE BASED ARE SUBJECT TO CHANGE BY THE COMPANY. SEE TABULAR DETAIL FOR GUARANTEED VALUES AND OTHER IMPORTANTINFORMATION.

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10 Year Old Male



(800) 441-6455

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Narrative Summary

10 Year Old Male, Male Age 10, Non-SmokerBenefit Premium **


















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$715.00$582.66$527.00$715.00$477.67$435.63$715.00$348.28$341.82$715.00




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 14 1,568 6,179 139,978 1,568 6,678 143,701 1,568 6,479 142,099

10 19 1,568 13,464 173,539 1,568 14,897 183,456 1,568 14,368 179,807

20 29 1,568 31,414 222,984 1,568 37,271 253,539 1,568 34,677 240,193

61 70 753 179,769 290,425 753 336,197 534,959 753 248,914 398,712

66 75 753 201,598 290,425 753 409,185 582,278 753 290,996 416,308

71 80 753 222,258 290,425 753 492,621 637,569 753 335,489 435,998

76 85 753 239,991 290,425 753 585,243 703,167 753 380,272 458,300

81 90 753 254,005 290,425 753 682,983 777,258 753 422,945 482,291







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1 10 1,568 822 108,591 1,568 822 108,591 1,568 822 108,5912 11 1,568 2,239 116,871 1,568 2,367 116,998 1,568 2,303 116,9353 12 1,568 3,513 124,853 1,568 3,781 126,302 1,568 3,647 125,5784 13 1,568 4,826 132,551 1,568 5,203 135,315 1,568 5,039 133,9575 14 1,568 6,179 139,978 1,568 6,678 143,701 1,568 6,479 142,099

6 15 1,568 7,564 147,148 1,568 8,203 151,892 1,568 7,960 150,0077 16 1,568 8,981 154,076 1,568 9,784 159,939 1,568 9,485 157,7148 17 1,568 10,431 160,776 1,568 11,421 167,882 1,568 11,056 165,2459 18 1,568 11,923 167,261 1,568 13,122 175,727 1,568 12,681 172,611

10 19 1,568 13,464 173,539 1,568 14,897 183,456 1,568 14,368 179,807

11 20 1,568 15,036 179,617 1,568 16,729 191,081 1,568 16,099 186,84312 21 1,568 16,666 185,501 1,568 18,644 198,597 1,568 17,901 193,71813 22 1,568 18,353 191,195 1,568 20,646 205,991 1,568 19,776 200,42914 23 1,568 20,102 196,705 1,568 22,741 213,292 1,568 21,730 206,99215 24 1,436 21,785 201,171 1,436 24,803 219,631 1,436 23,608 212,518

16 25 1,380 23,474 205,139 1,380 26,925 225,571 1,380 25,520 217,44617 26 1,380 25,218 208,977 1,380 29,168 231,597 1,380 27,519 222,34618 27 1,568 27,203 213,802 1,568 31,717 238,848 1,568 29,790 228,34719 28 1,568 29,267 218,470 1,568 34,417 246,166 1,568 32,175 234,29820 29 1,568 31,414 222,984 1,568 37,271 253,539 1,568 34,677 240,193

21 30 1,568 33,645 227,348 1,568 40,267 260,928 1,568 37,291 246,01422 31 1,568 35,966 231,566 1,568 43,409 268,233 1,568 40,022 251,71223 32 1,568 38,377 235,642 1,568 46,702 275,444 1,568 42,870 257,28624 33 1,331 40,647 238,433 1,331 49,919 281,427 1,331 45,609 261,59625 34 1,289 42,959 240,933 1,289 53,249 287,174 1,289 48,422 265,634

26 35 1,289 45,358 243,348 1,289 56,739 292,902 1,289 51,355 269,61127 36 1,289 47,838 245,680 1,289 60,391 298,612 1,289 54,407 273,52828 37 1,568 50,679 249,107 1,568 64,494 305,495 1,568 57,861 278,56929 38 1,568 53,614 252,417 1,568 68,783 312,351 1,568 61,451 283,52830 39 1,568 56,646 255,615 1,568 73,273 319,191 1,568 65,185 288,412

31 40 1,568 59,776 258,704 1,568 77,966 326,028 1,568 69,065 293,22732 41 1,568 63,003 261,689 1,568 82,869 332,857 1,568 73,092 297,97533 42 1,201 65,964 263,276 1,201 87,623 338,391 1,201 76,904 301,36234 43 1,195 69,004 264,787 1,195 92,581 343,952 1,195 80,851 304,71235 44 1,195 72,119 266,248 1,195 97,749 349,578 1,195 84,931 308,053

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36 45 1,195 75,313 267,661 1,195 103,135 355,282 1,195 89,151 311,39237 46 1,195 78,589 269,028 1,195 108,748 361,061 1,195 93,515 314,72938 47 1,568 82,317 271,469 1,568 114,972 368,032 1,568 98,401 319,18239 48 1,568 86,168 273,831 1,568 121,485 375,050 1,568 103,479 323,60140 49 1,568 90,141 276,118 1,568 128,295 382,098 1,568 108,756 327,980

41 50 1,568 94,235 278,332 1,568 135,407 389,180 1,568 114,230 332,32142 51 1,288 98,167 279,738 1,288 142,554 395,568 1,288 119,626 335,89343 52 1,036 101,947 280,459 1,036 149,749 401,403 1,036 124,952 338,82444 53 1,036 105,808 281,157 1,036 157,238 407,353 1,036 130,447 341,77845 54 1,036 109,738 281,834 1,036 165,020 413,435 1,036 136,103 344,762

46 55 1,036 113,725 282,490 1,036 173,089 419,665 1,036 141,908 347,78247 56 1,036 117,774 283,126 1,036 181,468 426,054 1,036 147,875 350,84348 57 1,568 122,399 284,903 1,568 190,677 433,769 1,568 154,519 355,10649 58 1,568 127,129 286,628 1,568 200,264 441,607 1,568 161,376 359,37650 59 1,568 131,956 288,304 1,568 210,235 449,567 1,568 168,445 363,652

51 60 1,568 136,869 289,932 1,568 220,581 457,656 1,568 175,712 367,93652 61 1,007 141,295 290,425 1,007 230,748 464,806 1,007 182,611 371,14853 62 753 145,494 290,425 753 240,997 471,685 753 189,398 373,93854 63 753 149,697 290,425 753 251,567 478,796 753 196,307 376,80155 64 753 153,911 290,425 753 262,481 486,144 753 203,348 379,737

56 65 753 158,134 290,425 753 273,747 493,731 753 210,524 382,74657 66 753 162,380 290,425 753 285,391 501,550 753 217,849 385,82358 67 753 166,666 290,425 753 297,447 509,588 753 225,348 388,96259 68 753 170,988 290,425 753 309,917 517,837 753 233,018 392,15760 69 753 175,363 290,425 753 322,838 526,292 753 240,880 395,407

61 70 753 179,769 290,425 753 336,197 534,959 753 248,914 398,71262 71 753 184,197 290,425 753 349,992 543,853 753 257,112 402,07663 72 753 188,585 290,425 753 364,165 553,022 753 265,407 405,51664 73 753 192,944 290,425 753 378,743 562,486 753 273,814 409,03765 74 753 197,282 290,425 753 393,745 572,235 753 282,343 412,634

66 75 753 201,598 290,425 753 409,185 582,278 753 290,996 416,30867 76 753 205,886 290,425 753 425,070 592,624 753 299,770 420,06068 77 753 210,126 290,425 753 441,391 603,297 753 308,643 423,89769 78 753 214,284 290,425 753 458,102 614,323 753 317,572 427,82770 79 753 218,328 290,425 753 475,176 625,742 753 326,521 431,860

71 80 753 222,258 290,425 753 492,621 637,569 753 335,489 435,99872 81 753 226,044 290,425 753 510,398 649,828 753 344,437 440,24973 82 753 229,713 290,425 753 528,547 662,514 753 353,394 444,60674 83 753 233,267 290,425 753 547,075 675,621 753 362,361 449,06575 84 753 236,700 290,425 753 565,985 689,163 753 371,332 453,628

76 85 753 239,991 290,425 753 585,243 703,167 753 380,272 458,30077 86 753 243,119 290,425 753 604,680 717,524 753 389,108 463,04378 87 753 246,077 290,425 753 624,196 732,140 753 397,798 467,82479 88 753 248,868 290,425 753 643,737 746,960 753 406,323 472,62380 89 753 251,504 290,425 753 663,359 762,034 753 414,709 477,457

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81 90 753 254,005 290,425 753 682,983 777,258 753 422,945 482,29182 91 753 256,483 290,425 753 702,647 792,391 753 431,131 487,04983 92 753 258,991 290,425 753 722,387 807,326 753 439,322 491,70084 93 753 261,606 290,425 753 742,312 821,983 753 447,614 496,22285 94 753 264,444 290,425 753 762,863 836,525 753 456,233 500,665

86 95 0 267,220 290,425 0 783,641 850,583 0 464,832 504,86687 96 0 270,598 290,425 0 806,008 864,153 0 474,393 508,88288 97 0 274,995 290,425 0 830,932 876,893 0 485,572 512,62389 98 0 281,152 290,425 0 860,158 888,178 0 499,536 515,91190 99 0 290,425 290,425 0 896,884 896,884 0 518,428 518,428

91 100 0 290,425 290,425 0 942,126 942,126 0 531,494 531,49492 101 0 290,425 290,425 0 989,654 989,654 0 544,889 544,88993 102 0 290,425 290,425 0 1,039,581 1,039,581 0 558,622 558,62294 103 0 290,425 290,425 0 1,092,030 1,092,030 0 572,702 572,70295 104 0 290,425 290,425 0 1,147,128 1,147,128 0 587,138 587,138

96 105 0 290,425 290,425 0 1,205,008 1,205,008 0 601,938 601,93897 106 0 290,425 290,425 0 1,265,811 1,265,811 0 617,112 617,11298 107 0 290,425 290,425 0 1,329,684 1,329,684 0 632,669 632,66999 108 0 290,425 290,425 0 1,396,783 1,396,783 0 648,619 648,619

100 109 0 290,425 290,425 0 1,467,271 1,467,271 0 664,972 664,972

101 110 0 290,425 290,425 0 1,541,318 1,541,318 0 681,738 681,738102 111 0 290,425 290,425 0 1,619,104 1,619,104 0 698,926 698,926103 112 0 290,425 290,425 0 1,700,819 1,700,819 0 716,549 716,549104 113 0 290,425 290,425 0 1,786,660 1,786,660 0 734,617 734,617105 114 0 290,425 290,425 0 1,876,837 1,876,837 0 753,141 753,141

106 115 0 290,425 290,425 0 1,971,567 1,971,567 0 772,133 772,133107 116 0 290,425 290,425 0 2,071,081 2,071,081 0 791,604 791,604108 117 0 290,425 290,425 0 2,175,621 2,175,621 0 811,567 811,567109 118 0 290,425 290,425 0 2,285,440 2,285,440 0 832,035 832,035110 119 0 290,425 290,425 0 2,400,804 2,400,804 0 853,018 853,018

111 120 0 290,425 290,425 0 2,521,995 2,521,995 0 874,532 874,532

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Tabular Detail








1 10 1,568 822 108,591 1,568 822 108,5912 11 1,568 2,239 116,871 1,568 2,367 116,9983 12 1,568 3,513 124,853 1,568 3,781 126,3024 13 1,568 4,826 132,551 1,568 5,203 135,3155 14 1,568 6,179 139,978 1,568 6,678 143,701

6 15 1,568 7,564 147,148 1,568 8,203 151,8927 16 1,568 8,981 154,076 1,568 9,784 159,9398 17 1,568 10,431 160,776 1,568 11,421 167,8829 18 1,568 11,923 167,261 1,568 13,122 175,727

10 19 1,568 13,464 173,539 1,568 14,897 183,456

11 20 1,568 15,036 179,617 1,568 16,729 191,08112 21 1,568 16,666 185,501 1,568 18,644 198,59713 22 1,568 18,353 191,195 1,568 20,646 205,99114 23 1,568 20,102 196,705 1,568 22,741 213,29215 24 1,436 21,785 201,171 1,436 24,803 219,631

16 25 1,380 23,474 205,139 1,380 26,925 225,57117 26 1,380 25,218 208,977 1,380 29,168 231,59718 27 1,568 27,203 213,802 1,568 31,717 238,84819 28 1,568 29,267 218,470 1,568 34,417 246,16620 29 1,568 31,414 222,984 1,568 37,271 253,539

21 30 1,568 33,645 227,348 1,568 40,267 260,92822 31 1,568 35,966 231,566 1,568 43,409 268,23323 32 1,568 38,377 235,642 1,568 46,702 275,44424 33 1,331 40,647 238,433 1,331 49,919 281,42725 34 1,289 42,959 240,933 1,289 53,249 287,174

26 35 1,289 45,358 243,348 1,289 56,739 292,90227 36 1,289 47,838 245,680 1,289 60,391 298,61228 37 1,568 50,679 249,107 1,568 64,494 305,49529 38 1,568 53,614 252,417 1,568 68,783 312,35130 39 1,568 56,646 255,615 1,568 73,273 319,191

31 40 1,568 59,776 258,704 1,568 77,966 326,02832 41 1,568 63,003 261,689 1,568 82,869 332,85733 42 1,201 65,964 263,276 1,201 87,623 338,39134 43 1,195 69,004 264,787 1,195 92,581 343,95235 44 1,195 72,119 266,248 1,195 97,749 349,578

36 45 1,195 75,313 267,661 1,195 103,135 355,28237 46 1,195 78,589 269,028 1,195 108,748 361,06138 47 1,568 82,317 271,469 1,568 114,972 368,03239 48 1,568 86,168 273,831 1,568 121,485 375,05040 49 1,568 90,141 276,118 1,568 128,295 382,098

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Tabular Detail




41 50 1,568 94,235 278,332 1,568 135,407 389,18042 51 1,288 98,167 279,738 1,288 142,554 395,56843 52 1,036 101,947 280,459 1,036 149,749 401,40344 53 1,036 105,808 281,157 1,036 157,238 407,35345 54 1,036 109,738 281,834 1,036 165,020 413,435

46 55 1,036 113,725 282,490 1,036 173,089 419,66547 56 1,036 117,774 283,126 1,036 181,468 426,05448 57 1,568 122,399 284,903 1,568 190,677 433,76949 58 1,568 127,129 286,628 1,568 200,264 441,60750 59 1,568 131,956 288,304 1,568 210,235 449,567

51 60 1,568 136,869 289,932 1,568 220,581 457,65652 61 1,007 141,295 290,425 1,007 230,748 464,80653 62 753 145,494 290,425 753 240,997 471,68554 63 753 149,697 290,425 753 251,567 478,79655 64 753 153,911 290,425 753 262,481 486,144

56 65 753 158,134 290,425 753 273,747 493,73157 66 753 162,380 290,425 753 285,391 501,55058 67 753 166,666 290,425 753 297,447 509,58859 68 753 170,988 290,425 753 309,917 517,83760 69 753 175,363 290,425 753 322,838 526,292

61 70 753 179,769 290,425 753 336,197 534,95962 71 753 184,197 290,425 753 349,992 543,85363 72 753 188,585 290,425 753 364,165 553,02264 73 753 192,944 290,425 753 378,743 562,48665 74 753 197,282 290,425 753 393,745 572,235

66 75 753 201,598 290,425 753 409,185 582,27867 76 753 205,886 290,425 753 425,070 592,62468 77 753 210,126 290,425 753 441,391 603,29769 78 753 214,284 290,425 753 458,102 614,32370 79 753 218,328 290,425 753 475,176 625,742

71 80 753 222,258 290,425 753 492,621 637,56972 81 753 226,044 290,425 753 510,398 649,82873 82 753 229,713 290,425 753 528,547 662,51474 83 753 233,267 290,425 753 547,075 675,62175 84 753 236,700 290,425 753 565,985 689,163

76 85 753 239,991 290,425 753 585,243 703,16777 86 753 243,119 290,425 753 604,680 717,52478 87 753 246,077 290,425 753 624,196 732,14079 88 753 248,868 290,425 753 643,737 746,96080 89 753 251,504 290,425 753 663,359 762,034

81 90 753 254,005 290,425 753 682,983 777,25882 91 753 256,483 290,425 753 702,647 792,39183 92 753 258,991 290,425 753 722,387 807,32684 93 753 261,606 290,425 753 742,312 821,98385 94 753 264,444 290,425 753 762,863 836,525

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Tabular Detail




86 95 0 267,220 290,425 0 783,641 850,58387 96 0 270,598 290,425 0 806,008 864,15388 97 0 274,995 290,425 0 830,932 876,89389 98 0 281,152 290,425 0 860,158 888,17890 99 0 290,425 290,425 0 896,884 896,884

91 100 0 290,425 290,425 0 942,126 942,12692 101 0 290,425 290,425 0 989,654 989,65493 102 0 290,425 290,425 0 1,039,581 1,039,58194 103 0 290,425 290,425 0 1,092,030 1,092,03095 104 0 290,425 290,425 0 1,147,128 1,147,128

96 105 0 290,425 290,425 0 1,205,008 1,205,00897 106 0 290,425 290,425 0 1,265,811 1,265,81198 107 0 290,425 290,425 0 1,329,684 1,329,68499 108 0 290,425 290,425 0 1,396,783 1,396,783

100 109 0 290,425 290,425 0 1,467,271 1,467,271

101 110 0 290,425 290,425 0 1,541,318 1,541,318102 111 0 290,425 290,425 0 1,619,104 1,619,104103 112 0 290,425 290,425 0 1,700,819 1,700,819104 113 0 290,425 290,425 0 1,786,660 1,786,660105 114 0 290,425 290,425 0 1,876,837 1,876,837

106 115 0 290,425 290,425 0 1,971,567 1,971,567107 116 0 290,425 290,425 0 2,071,081 2,071,081108 117 0 290,425 290,425 0 2,175,621 2,175,621109 118 0 290,425 290,425 0 2,285,440 2,285,440110 119 0 290,425 290,425 0 2,400,804 2,400,804

111 120 0 290,425 290,425 0 2,521,995 2,521,995



PremiumAnnual 1.000000 853.00


YearNet


Equiv. Lev.Dividend

10 6.64 3.54 0.8920 6.30 3.54 1.23

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Premium $6,372.50




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1 10 753 19 0 1,568 1,568 1,568 1,568 803 822 108,5912 11 753 603 127 1,568 3,136 1,568 3,136 1,764 2,367 116,9983 12 753 1,013 136 1,568 4,704 1,568 4,704 2,768 3,781 126,3024 13 753 1,433 99 1,568 6,272 1,568 6,272 3,770 5,203 135,3155 14 753 1,862 109 1,568 7,840 1,568 7,840 4,816 6,678 143,701

6 15 753 2,295 123 1,568 9,408 1,568 9,408 5,908 8,203 151,8927 16 753 2,732 141 1,568 10,976 1,568 10,976 7,052 9,784 159,9398 17 753 3,175 160 1,568 12,544 1,568 12,544 8,246 11,421 167,8829 18 753 3,628 177 1,568 14,112 1,568 14,112 9,494 13,122 175,727

10 19 753 4,096 195 1,568 15,680 1,568 15,680 10,801 14,897 183,456

11 20 753 4,559 213 1,568 17,248 1,568 17,248 12,170 16,729 191,08112 21 753 5,040 228 1,568 18,816 1,568 18,816 13,604 18,644 198,59713 22 753 5,539 249 1,568 20,384 1,568 20,384 15,107 20,646 205,99114 23 753 6,058 269 1,568 21,952 1,568 21,952 16,683 22,741 213,29215 24 753 6,596 290 1,436 23,388 1,436 23,388 18,207 24,803 219,631

16 25 753 7,155 332 1,380 24,768 1,380 24,768 19,770 26,925 225,57117 26 753 7,732 381 1,380 26,148 1,380 26,148 21,436 29,168 231,59718 27 753 8,327 431 1,568 27,716 1,568 27,716 23,390 31,717 238,84819 28 753 8,947 482 1,568 29,284 1,568 29,284 25,470 34,417 246,16620 29 753 9,595 531 1,568 30,852 1,568 30,852 27,676 37,271 253,539

21 30 753 10,270 561 1,568 32,420 1,568 32,420 29,997 40,267 260,92822 31 753 10,974 590 1,568 33,988 1,568 33,988 32,435 43,409 268,23323 32 753 11,707 621 1,568 35,556 1,568 35,556 34,995 46,702 275,44424 33 753 12,469 654 1,331 36,886 1,331 36,886 37,450 49,919 281,42725 34 753 13,259 690 1,289 38,175 1,289 38,175 39,990 53,249 287,174

26 35 753 14,079 728 1,289 39,464 1,289 39,464 42,660 56,739 292,90227 36 753 14,927 770 1,289 40,752 1,289 40,752 45,464 60,391 298,61228 37 753 15,804 818 1,568 42,320 1,568 42,320 48,690 64,494 305,49529 38 753 16,709 868 1,568 43,888 1,568 43,888 52,074 68,783 312,35130 39 753 17,644 925 1,568 45,456 1,568 45,456 55,629 73,273 319,191

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31 40 753 18,608 981 1,568 47,024 1,568 47,024 59,358 77,966 326,02832 41 753 19,601 1,042 1,568 48,592 1,568 48,592 63,268 82,869 332,85733 42 753 20,621 1,106 1,201 49,794 1,201 49,794 67,002 87,623 338,39134 43 753 21,669 1,174 1,195 50,988 1,195 50,988 70,912 92,581 343,95235 44 753 22,742 1,251 1,195 52,183 1,195 52,183 75,007 97,749 349,578

36 45 753 23,841 1,330 1,195 53,378 1,195 53,378 79,294 103,135 355,28237 46 753 24,967 1,408 1,195 54,573 1,195 54,573 83,781 108,748 361,06138 47 753 26,120 1,499 1,568 56,141 1,568 56,141 88,852 114,972 368,03239 48 753 27,312 1,582 1,568 57,709 1,568 57,709 94,173 121,485 375,05040 49 753 28,542 1,671 1,568 59,277 1,568 59,277 99,753 128,295 382,098

41 50 753 29,807 1,762 1,568 60,845 1,568 60,845 105,600 135,407 389,18042 51 753 31,107 1,867 1,288 62,133 1,288 62,133 111,447 142,554 395,56843 52 753 32,436 1,977 1,036 63,169 1,036 63,169 117,313 149,749 401,40344 53 753 33,793 2,096 1,036 64,205 1,036 64,205 123,445 157,238 407,35345 54 753 35,172 2,228 1,036 65,241 1,036 65,241 129,848 165,020 413,435

46 55 753 36,570 2,369 1,036 66,277 1,036 66,277 136,519 173,089 419,66547 56 753 37,988 2,519 1,036 67,313 1,036 67,313 143,480 181,468 426,05448 57 753 39,424 2,675 1,568 68,881 1,568 68,881 151,253 190,677 433,76949 58 753 40,890 2,828 1,568 70,449 1,568 70,449 159,374 200,264 441,60750 59 753 42,384 2,992 1,568 72,017 1,568 72,017 167,851 210,235 449,567

51 60 753 43,901 3,163 1,568 73,585 1,568 73,585 176,680 220,581 457,65652 61 753 45,433 3,358 1,007 74,592 1,007 74,592 185,315 230,748 464,80653 62 753 46,970 3,566 753 75,345 753 75,345 194,027 240,997 471,68554 63 753 48,509 3,785 753 76,098 753 76,098 203,058 251,567 478,79655 64 753 50,051 4,011 753 76,851 753 76,851 212,430 262,481 486,144

56 65 753 51,597 4,244 753 77,604 753 77,604 222,150 273,747 493,73157 66 753 53,152 4,478 753 78,357 753 78,357 232,239 285,391 501,55058 67 753 54,721 4,709 753 79,110 753 79,110 242,726 297,447 509,58859 68 753 56,303 4,947 753 79,863 753 79,863 253,614 309,917 517,83760 69 753 57,905 5,187 753 80,616 753 80,616 264,933 322,838 526,292

61 70 753 59,518 5,445 753 81,369 753 81,369 276,679 336,197 534,95962 71 753 61,139 5,716 753 82,122 753 82,122 288,853 349,992 543,85363 72 753 62,746 6,040 753 82,875 753 82,875 301,419 364,165 553,02264 73 753 64,342 6,363 753 83,628 753 83,628 314,401 378,743 562,48665 74 753 65,931 6,690 753 84,381 753 84,381 327,814 393,745 572,235

66 75 753 67,512 7,035 753 85,134 753 85,134 341,673 409,185 582,27867 76 753 69,083 7,390 753 85,887 753 85,887 355,987 425,070 592,62468 77 753 70,636 7,776 753 86,640 753 86,640 370,755 441,391 603,29769 78 753 72,160 8,187 753 87,393 753 87,393 385,942 458,102 614,32370 79 753 73,643 8,637 753 88,146 753 88,146 401,533 475,176 625,742

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71 80 753 75,084 9,096 753 88,899 753 88,899 417,537 492,621 637,56972 81 753 76,473 9,586 753 89,652 753 89,652 433,925 510,398 649,82873 82 753 77,820 10,068 753 90,405 753 90,405 450,727 528,547 662,51474 83 753 79,127 10,553 753 91,158 753 91,158 467,948 547,075 675,62175 84 753 80,390 11,057 753 91,911 753 91,911 485,595 565,985 689,163

76 85 753 81,603 11,592 753 92,664 753 92,664 503,640 585,243 703,16777 86 753 82,760 12,012 753 93,417 753 93,417 521,920 604,680 717,52478 87 753 83,858 12,363 753 94,170 753 94,170 540,338 624,196 732,14079 88 753 84,899 12,670 753 94,923 753 94,923 558,838 643,737 746,96080 89 753 85,891 13,030 753 95,676 753 95,676 577,468 663,359 762,034

81 90 753 86,844 13,272 753 96,429 753 96,429 596,139 682,983 777,25882 91 753 87,803 13,285 753 97,182 753 97,182 614,844 702,647 792,39183 92 753 88,795 13,223 753 97,935 753 97,935 633,592 722,387 807,32684 93 753 89,858 13,083 643 98,579 643 98,579 652,342 742,200 821,85885 94 753 91,054 13,111 419 98,998 419 98,998 671,351 762,405 836,022

86 95 0 92,010 12,761 0 98,998 0 98,998 691,160 783,170 850,07187 96 0 93,173 12,454 0 98,998 0 98,998 712,350 805,523 863,63388 97 0 94,687 11,820 0 98,998 0 98,998 735,746 830,433 876,36689 98 0 96,807 10,615 0 98,998 0 98,998 762,833 859,640 887,64490 99 0 100,000 8,350 0 98,998 0 98,998 796,344 896,344 896,344

91 100 0 100,000 45,215 0 98,998 0 98,998 841,560 941,560 941,56092 101 0 100,000 47,499 0 98,998 0 98,998 889,058 989,058 989,05893 102 0 100,000 49,897 0 98,998 0 98,998 938,956 1,038,956 1,038,95694 103 0 100,000 52,417 0 98,998 0 98,998 991,373 1,091,373 1,091,37395 104 0 100,000 55,064 0 98,998 0 98,998 1,046,437 1,146,437 1,146,437

96 105 0 100,000 57,845 0 98,998 0 98,998 1,104,283 1,204,283 1,204,28397 106 0 100,000 60,766 0 98,998 0 98,998 1,165,049 1,265,049 1,265,04998 107 0 100,000 63,835 0 98,998 0 98,998 1,228,884 1,328,884 1,328,88499 108 0 100,000 67,059 0 98,998 0 98,998 1,295,942 1,395,942 1,395,942

100 109 0 100,000 70,445 0 98,998 0 98,998 1,366,388 1,466,388 1,466,388

101 110 0 100,000 74,003 0 98,998 0 98,998 1,440,390 1,540,390 1,540,390102 111 0 100,000 77,740 0 98,998 0 98,998 1,518,130 1,618,130 1,618,130103 112 0 100,000 81,666 0 98,998 0 98,998 1,599,795 1,699,795 1,699,795104 113 0 100,000 85,790 0 98,998 0 98,998 1,685,585 1,785,585 1,785,585105 114 0 100,000 90,122 0 98,998 0 98,998 1,775,707 1,875,707 1,875,707

106 115 0 100,000 94,673 0 98,998 0 98,998 1,870,380 1,970,380 1,970,380107 116 0 100,000 99,454 0 98,998 0 98,998 1,969,834 2,069,834 2,069,834108 117 0 100,000 104,477 0 98,998 0 98,998 2,074,311 2,174,311 2,174,311109 118 0 100,000 109,753 0 98,998 0 98,998 2,184,064 2,284,064 2,284,064110 119 0 100,000 115,295 0 98,998 0 98,998 2,299,359 2,399,359 2,399,359

111 120 0 100,000 121,118 0 98,998 0 98,998 2,420,477 2,520,477 2,520,477

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20 Year Old Male



(800) 441-6455

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Narrative Summary

20 Year Old Male, Male Age 20, Preferred NTBenefit Premium **

$100,000 Whole Life 95 $929.00Paid Up Additions Rider (Scheduled) $100.00Paid Up Additions Rider (Unscheduled) $1,216.00

















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$1,216.00$1,137.09

$974.00$1,216.00

$870.96$843.84

$1,216.00$894.69$645.85

$1,216.00




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 24 2,245 9,383 146,016 2,245 9,989 149,193 2,245 9,735 147,794

10 29 2,245 20,817 185,015 2,245 22,769 194,695 2,245 21,973 190,773

20 39 2,245 49,685 241,875 2,245 58,299 273,812 2,245 54,205 258,750

51 70 1,133 189,059 307,860 1,133 328,305 524,824 1,133 250,818 404,272

56 75 929 216,695 313,819 929 409,642 584,440 929 299,948 430,778

61 80 929 239,294 313,819 929 500,475 648,625 929 348,672 454,222

66 85 929 258,704 313,819 929 603,839 726,000 929 398,568 481,038

71 90 929 274,096 313,819 929 714,926 813,803 929 446,769 509,820







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1 20 2,245 1,320 109,814 2,245 1,320 109,814 2,245 1,320 109,8142 21 2,245 3,410 119,315 2,245 3,548 119,452 2,245 3,479 119,3843 22 2,245 5,333 128,510 2,245 5,634 129,679 2,245 5,483 129,0944 23 2,245 7,323 137,408 2,245 7,762 139,676 2,245 7,566 138,5645 24 2,245 9,383 146,016 2,245 9,989 149,193 2,245 9,735 147,794

6 25 2,245 11,517 154,343 2,245 12,322 158,557 2,245 11,994 156,8007 26 2,245 13,720 162,398 2,245 14,758 167,790 2,245 14,340 165,5978 27 2,245 15,998 170,189 2,245 17,305 176,891 2,245 16,779 174,1899 28 2,245 18,362 177,726 2,245 19,973 185,865 2,245 19,321 182,583

10 29 2,245 20,817 185,015 2,245 22,769 194,695 2,245 21,973 190,773

11 30 2,245 23,336 192,062 2,245 25,671 203,383 2,245 24,712 198,76212 31 2,245 25,955 198,873 2,245 28,714 211,939 2,245 27,570 206,56013 32 2,166 28,594 205,060 2,166 31,822 219,959 2,166 30,447 213,74514 33 2,003 31,172 210,249 2,003 34,918 227,072 2,003 33,286 219,86715 34 2,003 33,845 215,262 2,003 38,164 234,106 2,003 36,245 225,856

16 35 2,003 36,616 220,103 2,003 41,589 241,096 2,003 39,343 231,73217 36 2,245 39,721 225,833 2,245 45,445 249,199 2,245 42,820 238,60318 37 2,245 42,934 231,367 2,245 49,509 257,352 2,245 46,454 245,39419 38 2,245 46,255 236,712 2,245 53,791 265,552 2,245 50,247 252,10720 39 2,245 49,685 241,875 2,245 58,299 273,812 2,245 54,205 258,750

21 40 1,900 52,890 245,555 1,900 62,677 280,794 1,900 57,982 264,00322 41 1,873 56,167 249,012 1,873 67,228 287,673 1,873 61,877 269,08223 42 1,873 59,542 252,352 1,873 71,984 294,557 1,873 65,919 274,09424 43 1,873 63,016 255,581 1,873 76,962 301,462 1,873 70,116 279,04925 44 1,873 66,580 258,702 1,873 82,159 308,412 1,873 74,461 283,959

26 45 2,245 70,603 262,911 2,245 87,954 316,611 2,245 79,326 290,02227 46 2,245 74,738 266,983 2,245 94,013 324,847 2,245 84,372 296,01928 47 2,245 78,986 270,924 2,245 100,341 333,125 2,245 89,600 301,95529 48 1,924 83,058 273,807 1,924 106,646 340,492 1,924 94,719 306,89030 49 1,675 87,015 275,900 1,675 112,997 347,183 1,675 99,794 311,076

31 50 1,675 91,093 277,926 1,675 119,641 353,922 1,675 105,064 315,23532 51 1,675 95,283 279,887 1,675 126,583 360,723 1,675 110,526 319,37333 52 1,675 99,575 281,786 1,675 133,834 367,622 1,675 116,179 323,50934 53 1,675 103,965 283,626 1,675 141,397 374,641 1,675 122,020 327,65135 54 2,245 108,997 286,771 2,245 149,847 383,169 2,245 128,608 333,175

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36 55 2,245 114,118 289,820 2,245 158,640 391,841 2,245 135,390 338,69537 56 2,245 119,333 292,777 2,245 167,799 400,668 2,245 142,380 344,21638 57 1,536 123,943 294,101 1,536 176,627 408,107 1,536 148,877 348,19539 58 1,429 128,550 295,159 1,429 185,728 415,489 1,429 155,483 351,97940 59 1,429 133,250 296,187 1,429 195,212 423,027 1,429 162,298 355,795

41 60 1,429 138,028 297,185 1,429 205,083 430,740 1,429 169,315 359,64742 61 1,429 142,860 298,155 1,429 215,342 438,666 1,429 176,517 363,55343 62 1,429 147,721 299,098 1,429 225,982 446,846 1,429 183,885 367,52844 63 2,245 153,396 301,514 2,245 237,819 456,822 2,245 192,215 373,08845 64 2,245 159,114 303,867 2,245 250,101 467,077 2,245 200,743 378,705

46 65 2,245 164,876 306,159 2,245 262,840 477,614 2,245 209,471 384,37847 66 1,163 169,638 306,556 1,163 274,986 486,568 1,163 217,350 388,25648 67 1,133 174,420 306,894 1,133 287,574 495,741 1,133 225,403 392,15849 68 1,133 179,247 307,224 1,133 300,643 505,178 1,133 233,659 396,13150 69 1,133 184,133 307,546 1,133 314,218 514,868 1,133 242,135 400,168

51 70 1,133 189,059 307,860 1,133 328,305 524,824 1,133 250,818 404,27252 71 1,133 194,012 308,167 1,133 342,903 535,066 1,133 259,697 408,45153 72 2,245 200,006 310,102 2,245 359,077 547,318 2,245 269,801 414,37254 73 2,245 205,997 311,994 2,245 375,798 559,946 2,245 280,091 420,37855 74 2,226 211,975 313,819 2,226 393,068 572,911 2,226 290,557 426,437

56 75 929 216,695 313,819 929 409,642 584,440 929 299,948 430,77857 76 929 221,386 313,819 929 426,761 596,355 929 309,494 435,22058 77 929 226,024 313,819 929 444,423 608,684 929 319,173 439,77359 78 929 230,571 313,819 929 462,606 621,479 929 328,947 444,45060 79 929 234,995 313,819 929 481,285 634,786 929 338,781 449,266

61 80 929 239,294 313,819 929 500,475 648,625 929 348,672 454,22262 81 929 243,437 313,819 929 520,142 663,025 929 358,582 459,32663 82 929 247,451 313,819 929 540,327 677,980 929 368,538 464,57064 83 929 251,341 313,819 929 561,032 693,475 929 378,539 469,94465 84 929 255,100 313,819 929 582,222 709,483 929 388,564 475,435

66 85 929 258,704 313,819 929 603,839 726,000 929 398,568 481,03867 86 929 262,131 313,819 929 625,693 742,896 929 408,467 486,70568 87 929 265,375 313,819 929 647,798 760,189 929 418,257 492,44069 88 929 268,440 313,819 929 670,059 777,806 929 427,905 498,21770 89 929 271,338 313,819 929 692,440 795,695 929 437,405 504,016

71 90 929 274,096 313,819 929 714,926 813,803 929 446,769 509,82072 91 929 276,837 313,819 929 737,548 831,874 929 456,104 515,54873 92 929 279,624 313,819 929 760,326 849,771 929 465,463 521,15674 93 929 282,548 313,819 929 783,359 867,381 929 474,949 526,61375 94 929 285,745 313,819 929 806,924 884,673 929 484,753 531,911

76 95 0 288,745 313,819 0 830,456 901,263 0 494,356 536,89377 96 0 292,395 313,819 0 855,524 917,143 0 504,931 541,61278 97 0 297,146 313,819 0 883,076 931,860 0 517,154 545,94779 98 0 303,799 313,819 0 914,800 944,579 0 532,222 549,66280 99 0 313,819 313,819 0 953,863 953,863 0 552,352 552,352

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81 100 0 313,819 313,819 0 1,001,983 1,001,983 0 566,274 566,27482 101 0 313,819 313,819 0 1,052,533 1,052,533 0 580,547 580,54783 102 0 313,819 313,819 0 1,105,636 1,105,636 0 595,181 595,18184 103 0 313,819 313,819 0 1,161,420 1,161,420 0 610,185 610,18585 104 0 313,819 313,819 0 1,220,022 1,220,022 0 625,567 625,567

86 105 0 313,819 313,819 0 1,281,583 1,281,583 0 641,337 641,33787 106 0 313,819 313,819 0 1,346,253 1,346,253 0 657,506 657,50688 107 0 313,819 313,819 0 1,414,189 1,414,189 0 674,083 674,08389 108 0 313,819 313,819 0 1,485,555 1,485,555 0 691,079 691,07990 109 0 313,819 313,819 0 1,560,526 1,560,526 0 708,503 708,503

91 110 0 313,819 313,819 0 1,639,283 1,639,283 0 726,368 726,36892 111 0 313,819 313,819 0 1,722,016 1,722,016 0 744,684 744,68493 112 0 313,819 313,819 0 1,808,928 1,808,928 0 763,462 763,46294 113 0 313,819 313,819 0 1,900,229 1,900,229 0 782,715 782,71595 114 0 313,819 313,819 0 1,996,141 1,996,141 0 802,453 802,453

96 115 0 313,819 313,819 0 2,096,896 2,096,896 0 822,690 822,69097 116 0 313,819 313,819 0 2,202,739 2,202,739 0 843,438 843,43898 117 0 313,819 313,819 0 2,313,927 2,313,927 0 864,710 864,71099 118 0 313,819 313,819 0 2,430,731 2,430,731 0 886,519 886,519

100 119 0 313,819 313,819 0 2,553,432 2,553,432 0 908,878 908,878

101 120 0 313,819 313,819 0 2,682,331 2,682,331 0 931,803 931,803

Page: 9 of 16

1

32


Tabular Detail








1 20 2,245 1,320 109,814 2,245 1,320 109,8142 21 2,245 3,410 119,315 2,245 3,548 119,4523 22 2,245 5,333 128,510 2,245 5,634 129,6794 23 2,245 7,323 137,408 2,245 7,762 139,6765 24 2,245 9,383 146,016 2,245 9,989 149,193

6 25 2,245 11,517 154,343 2,245 12,322 158,5577 26 2,245 13,720 162,398 2,245 14,758 167,7908 27 2,245 15,998 170,189 2,245 17,305 176,8919 28 2,245 18,362 177,726 2,245 19,973 185,865

10 29 2,245 20,817 185,015 2,245 22,769 194,695

11 30 2,245 23,336 192,062 2,245 25,671 203,38312 31 2,245 25,955 198,873 2,245 28,714 211,93913 32 2,166 28,594 205,060 2,166 31,822 219,95914 33 2,003 31,172 210,249 2,003 34,918 227,07215 34 2,003 33,845 215,262 2,003 38,164 234,106

16 35 2,003 36,616 220,103 2,003 41,589 241,09617 36 2,245 39,721 225,833 2,245 45,445 249,19918 37 2,245 42,934 231,367 2,245 49,509 257,35219 38 2,245 46,255 236,712 2,245 53,791 265,55220 39 2,245 49,685 241,875 2,245 58,299 273,812

21 40 1,900 52,890 245,555 1,900 62,677 280,79422 41 1,873 56,167 249,012 1,873 67,228 287,67323 42 1,873 59,542 252,352 1,873 71,984 294,55724 43 1,873 63,016 255,581 1,873 76,962 301,46225 44 1,873 66,580 258,702 1,873 82,159 308,412

26 45 2,245 70,603 262,911 2,245 87,954 316,61127 46 2,245 74,738 266,983 2,245 94,013 324,84728 47 2,245 78,986 270,924 2,245 100,341 333,12529 48 1,924 83,058 273,807 1,924 106,646 340,49230 49 1,675 87,015 275,900 1,675 112,997 347,183

31 50 1,675 91,093 277,926 1,675 119,641 353,92232 51 1,675 95,283 279,887 1,675 126,583 360,72333 52 1,675 99,575 281,786 1,675 133,834 367,62234 53 1,675 103,965 283,626 1,675 141,397 374,64135 54 2,245 108,997 286,771 2,245 149,847 383,169

36 55 2,245 114,118 289,820 2,245 158,640 391,84137 56 2,245 119,333 292,777 2,245 167,799 400,66838 57 1,536 123,943 294,101 1,536 176,627 408,10739 58 1,429 128,550 295,159 1,429 185,728 415,48940 59 1,429 133,250 296,187 1,429 195,212 423,027

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Tabular Detail




41 60 1,429 138,028 297,185 1,429 205,083 430,74042 61 1,429 142,860 298,155 1,429 215,342 438,66643 62 1,429 147,721 299,098 1,429 225,982 446,84644 63 2,245 153,396 301,514 2,245 237,819 456,82245 64 2,245 159,114 303,867 2,245 250,101 467,077

46 65 2,245 164,876 306,159 2,245 262,840 477,61447 66 1,163 169,638 306,556 1,163 274,986 486,56848 67 1,133 174,420 306,894 1,133 287,574 495,74149 68 1,133 179,247 307,224 1,133 300,643 505,17850 69 1,133 184,133 307,546 1,133 314,218 514,868

51 70 1,133 189,059 307,860 1,133 328,305 524,82452 71 1,133 194,012 308,167 1,133 342,903 535,06653 72 2,245 200,006 310,102 2,245 359,077 547,31854 73 2,245 205,997 311,994 2,245 375,798 559,94655 74 2,226 211,975 313,819 2,226 393,068 572,911

56 75 929 216,695 313,819 929 409,642 584,44057 76 929 221,386 313,819 929 426,761 596,35558 77 929 226,024 313,819 929 444,423 608,68459 78 929 230,571 313,819 929 462,606 621,47960 79 929 234,995 313,819 929 481,285 634,786

61 80 929 239,294 313,819 929 500,475 648,62562 81 929 243,437 313,819 929 520,142 663,02563 82 929 247,451 313,819 929 540,327 677,98064 83 929 251,341 313,819 929 561,032 693,47565 84 929 255,100 313,819 929 582,222 709,483

66 85 929 258,704 313,819 929 603,839 726,00067 86 929 262,131 313,819 929 625,693 742,89668 87 929 265,375 313,819 929 647,798 760,18969 88 929 268,440 313,819 929 670,059 777,80670 89 929 271,338 313,819 929 692,440 795,695

71 90 929 274,096 313,819 929 714,926 813,80372 91 929 276,837 313,819 929 737,548 831,87473 92 929 279,624 313,819 929 760,326 849,77174 93 929 282,548 313,819 929 783,359 867,38175 94 929 285,745 313,819 929 806,924 884,673

76 95 0 288,745 313,819 0 830,456 901,26377 96 0 292,395 313,819 0 855,524 917,14378 97 0 297,146 313,819 0 883,076 931,86079 98 0 303,799 313,819 0 914,800 944,57980 99 0 313,819 313,819 0 953,863 953,863

81 100 0 313,819 313,819 0 1,001,983 1,001,98382 101 0 313,819 313,819 0 1,052,533 1,052,53383 102 0 313,819 313,819 0 1,105,636 1,105,63684 103 0 313,819 313,819 0 1,161,420 1,161,42085 104 0 313,819 313,819 0 1,220,022 1,220,022

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Tabular Detail




86 105 0 313,819 313,819 0 1,281,583 1,281,58387 106 0 313,819 313,819 0 1,346,253 1,346,25388 107 0 313,819 313,819 0 1,414,189 1,414,18989 108 0 313,819 313,819 0 1,485,555 1,485,55590 109 0 313,819 313,819 0 1,560,526 1,560,526

91 110 0 313,819 313,819 0 1,639,283 1,639,28392 111 0 313,819 313,819 0 1,722,016 1,722,01693 112 0 313,819 313,819 0 1,808,928 1,808,92894 113 0 313,819 313,819 0 1,900,229 1,900,22995 114 0 313,819 313,819 0 1,996,141 1,996,141

96 115 0 313,819 313,819 0 2,096,896 2,096,89697 116 0 313,819 313,819 0 2,202,739 2,202,73998 117 0 313,819 313,819 0 2,313,927 2,313,92799 118 0 313,819 313,819 0 2,430,731 2,430,731

100 119 0 313,819 313,819 0 2,553,432 2,553,432

101 120 0 313,819 313,819 0 2,682,331 2,682,331



PremiumAnnual 1.000000 1,029.00


YearNet


Equiv. Lev.Dividend

10 8.38 4.04 0.9120 7.97 3.90 1.32

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Premium $6,372.50




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1 20 929 29 0 2,245 2,245 2,245 2,245 1,291 1,320 109,8142 21 929 784 137 2,245 4,490 2,245 4,490 2,764 3,548 119,4523 22 929 1,327 159 2,245 6,735 2,245 6,735 4,307 5,634 129,6794 23 929 1,890 129 2,245 8,980 2,245 8,980 5,872 7,762 139,6765 24 929 2,475 152 2,245 11,225 2,245 11,225 7,514 9,989 149,193

6 25 929 3,082 179 2,245 13,470 2,245 13,470 9,240 12,322 158,5577 26 929 3,708 206 2,245 15,715 2,245 15,715 11,050 14,758 167,7908 27 929 4,356 234 2,245 17,960 2,245 17,960 12,949 17,305 176,8919 28 929 5,030 260 2,245 20,205 2,245 20,205 14,943 19,973 185,865

10 29 929 5,734 286 2,245 22,450 2,245 22,450 17,035 22,769 194,695

11 30 929 6,438 315 2,245 24,695 2,245 24,695 19,233 25,671 203,38312 31 929 7,173 343 2,245 26,940 2,245 26,940 21,541 28,714 211,93913 32 929 7,937 372 2,166 29,106 2,166 29,106 23,885 31,822 219,95914 33 929 8,731 404 2,003 31,109 2,003 31,109 26,187 34,918 227,07215 34 929 9,555 440 2,003 33,112 2,003 33,112 28,609 38,164 234,106

16 35 929 10,410 502 2,003 35,115 2,003 35,115 31,179 41,589 241,09617 36 929 11,294 575 2,245 37,360 2,245 37,360 34,151 45,445 249,19918 37 929 12,209 649 2,245 39,605 2,245 39,605 37,300 49,509 257,35219 38 929 13,153 730 2,245 41,850 2,245 41,850 40,638 53,791 265,55220 39 929 14,127 813 2,245 44,095 2,245 44,095 44,172 58,299 273,812

21 40 929 15,133 872 1,900 45,995 1,900 45,995 47,544 62,677 280,79422 41 929 16,168 933 1,873 47,868 1,873 47,868 51,060 67,228 287,67323 42 929 17,232 1,000 1,873 49,741 1,873 49,741 54,752 71,984 294,55724 43 929 18,325 1,076 1,873 51,614 1,873 51,614 58,637 76,962 301,46225 44 929 19,444 1,158 1,873 53,486 1,873 53,486 62,715 82,159 308,412

26 45 929 20,589 1,249 2,245 55,731 2,245 55,731 67,365 87,954 316,61127 46 929 21,764 1,345 2,245 57,976 2,245 57,976 72,249 94,013 324,84728 47 929 22,967 1,442 2,245 60,221 2,245 60,221 77,374 100,341 333,12529 48 929 24,210 1,527 1,924 62,145 1,924 62,145 82,436 106,646 340,49230 49 929 25,492 1,616 1,675 63,820 1,675 63,820 87,505 112,997 347,183

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32








31 50 929 26,812 1,709 1,675 65,495 1,675 65,495 92,829 119,641 353,92232 51 929 28,167 1,819 1,675 67,170 1,675 67,170 98,416 126,583 360,72333 52 929 29,553 1,944 1,675 68,845 1,675 68,845 104,281 133,834 367,62234 53 929 30,968 2,075 1,675 70,519 1,675 70,519 110,429 141,397 374,64135 54 929 32,406 2,237 2,245 72,764 2,245 72,764 117,441 149,847 383,169

36 55 929 33,864 2,405 2,245 75,009 2,245 75,009 124,776 158,640 391,84137 56 929 35,342 2,586 2,245 77,254 2,245 77,254 132,457 167,799 400,66838 57 929 36,840 2,765 1,536 78,791 1,536 78,791 139,787 176,627 408,10739 58 929 38,369 2,928 1,429 80,220 1,429 80,220 147,359 185,728 415,48940 59 929 39,928 3,102 1,429 81,649 1,429 81,649 155,284 195,212 423,027

41 60 929 41,510 3,296 1,429 83,078 1,429 83,078 163,573 205,083 430,74042 61 929 43,107 3,519 1,429 84,507 1,429 84,507 172,235 215,342 438,66643 62 929 44,710 3,766 1,429 85,936 1,429 85,936 181,272 225,982 446,84644 63 929 46,315 4,046 2,245 88,181 2,245 88,181 191,504 237,819 456,82245 64 929 47,923 4,335 2,245 90,426 2,245 90,426 202,178 250,101 467,077

46 65 929 49,536 4,632 2,245 92,671 2,245 92,671 213,304 262,840 477,61447 66 929 51,157 4,910 1,163 93,833 1,163 93,833 223,829 274,986 486,56848 67 929 52,793 5,185 1,133 94,966 1,133 94,966 234,781 287,574 495,74149 68 929 54,444 5,472 1,133 96,100 1,133 96,100 246,199 300,643 505,17850 69 929 56,114 5,755 1,133 97,233 1,133 97,233 258,104 314,218 514,868

51 70 929 57,797 6,067 1,133 98,366 1,133 98,366 270,508 328,305 524,82452 71 929 59,488 6,395 1,133 99,499 1,133 99,499 283,415 342,903 535,06653 72 929 61,164 6,816 2,245 101,744 2,245 101,744 297,913 359,077 547,31854 73 929 62,829 7,237 2,245 103,989 2,245 103,989 312,969 375,798 559,94655 74 929 64,487 7,661 2,226 106,215 2,226 106,215 328,581 393,068 572,911

56 75 929 66,136 8,081 816 107,032 816 107,032 343,388 409,524 584,27557 76 929 67,776 8,513 816 107,848 816 107,848 358,745 426,521 596,02358 77 929 69,397 8,983 816 108,664 816 108,664 374,660 444,057 608,18759 78 929 70,987 9,502 816 109,481 816 109,481 391,121 462,108 620,81660 79 929 72,535 10,062 816 110,297 816 110,297 408,116 480,651 633,956

61 80 929 74,040 10,638 816 111,113 816 111,113 425,660 499,700 647,62662 81 929 75,491 11,253 929 112,042 929 112,042 443,846 519,337 662,00563 82 929 76,898 11,859 929 112,971 929 112,971 462,594 539,492 676,93864 83 929 78,265 12,463 929 113,900 929 113,900 481,901 560,166 692,40965 84 929 79,587 13,050 929 114,829 929 114,829 501,737 581,324 708,393

66 85 929 80,858 13,644 929 115,758 929 115,758 522,050 602,908 724,88667 86 929 82,072 14,111 929 116,687 929 116,687 542,657 624,729 741,75668 87 929 83,227 14,622 929 117,616 929 117,616 563,575 646,802 759,02469 88 929 84,327 15,048 929 118,545 929 118,545 584,703 669,030 776,61470 89 929 85,380 15,434 929 119,474 929 119,474 605,997 691,377 794,476

Page: 15 of 16

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71 90 929 86,399 15,769 929 120,403 929 120,403 627,430 713,829 812,55772 91 929 87,434 15,849 929 121,332 929 121,332 648,983 736,417 830,60173 92 929 88,519 15,827 929 122,261 929 122,261 670,642 759,161 848,47174 93 929 89,700 15,702 929 123,190 929 123,190 692,460 782,160 866,05475 94 929 91,054 15,558 929 124,119 929 124,119 714,636 805,690 883,320

76 95 0 92,010 15,037 0 124,119 0 124,119 737,176 829,186 899,88577 96 0 93,173 14,549 0 124,119 0 124,119 761,043 854,216 915,74078 97 0 94,687 13,629 0 124,119 0 124,119 787,038 881,725 930,43579 98 0 96,807 11,935 0 124,119 0 124,119 816,594 913,401 943,13480 99 0 100,000 8,876 0 124,119 0 124,119 852,404 952,404 952,404

81 100 0 100,000 48,046 0 124,119 0 124,119 900,450 1,000,450 1,000,45082 101 0 100,000 50,473 0 124,119 0 124,119 950,923 1,050,923 1,050,92383 102 0 100,000 53,022 0 124,119 0 124,119 1,003,945 1,103,945 1,103,94584 103 0 100,000 55,699 0 124,119 0 124,119 1,059,644 1,159,644 1,159,64485 104 0 100,000 58,512 0 124,119 0 124,119 1,118,156 1,218,156 1,218,156

86 105 0 100,000 61,467 0 124,119 0 124,119 1,179,623 1,279,623 1,279,62387 106 0 100,000 64,571 0 124,119 0 124,119 1,244,194 1,344,194 1,344,19488 107 0 100,000 67,832 0 124,119 0 124,119 1,312,025 1,412,025 1,412,02589 108 0 100,000 71,257 0 124,119 0 124,119 1,383,283 1,483,283 1,483,28390 109 0 100,000 74,856 0 124,119 0 124,119 1,458,138 1,558,138 1,558,138

91 110 0 100,000 78,636 0 124,119 0 124,119 1,536,774 1,636,774 1,636,77492 111 0 100,000 82,607 0 124,119 0 124,119 1,619,382 1,719,382 1,719,38293 112 0 100,000 86,779 0 124,119 0 124,119 1,706,160 1,806,160 1,806,16094 113 0 100,000 91,161 0 124,119 0 124,119 1,797,321 1,897,321 1,897,32195 114 0 100,000 95,765 0 124,119 0 124,119 1,893,086 1,993,086 1,993,086

96 115 0 100,000 100,601 0 124,119 0 124,119 1,993,687 2,093,687 2,093,68797 116 0 100,000 105,681 0 124,119 0 124,119 2,099,368 2,199,368 2,199,36898 117 0 100,000 111,018 0 124,119 0 124,119 2,210,386 2,310,386 2,310,38699 118 0 100,000 116,625 0 124,119 0 124,119 2,327,011 2,427,011 2,427,011

100 119 0 100,000 122,514 0 124,119 0 124,119 2,449,525 2,549,525 2,549,525

101 120 0 100,000 128,701 0 124,119 0 124,119 2,578,226 2,678,226 2,678,226


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20 Year Old Male



(800) 441-6455

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Narrative Summary



















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$1,216.00$1,137.09

$974.00$1,216.00

$870.96$843.84

$1,216.00$894.69$645.85

$1,216.00




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 24 2,245 9,383 146,016 2,245 9,989 149,193 2,245 9,735 147,794

10 29 2,245 20,817 185,015 2,245 22,769 194,695 2,245 21,973 190,773

20 39 2,245 49,685 241,875 2,245 58,299 273,812 2,245 54,205 258,750

51 70 1,133 189,059 307,860 1,133 328,305 524,824 1,133 250,818 404,272

56 75 929 216,695 313,819 929 409,642 584,440 929 299,948 430,778

61 80 929 239,294 313,819 929 500,475 648,625 929 348,672 454,222

66 85 929 258,704 313,819 929 603,839 726,000 929 398,568 481,038

71 90 929 274,096 313,819 929 714,926 813,803 929 446,769 509,820







Page: 6 of 16

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1 20 2,245 1,320 109,814 2,245 1,320 109,814 2,245 1,320 109,8142 21 2,245 3,410 119,315 2,245 3,548 119,452 2,245 3,479 119,3843 22 2,245 5,333 128,510 2,245 5,634 129,679 2,245 5,483 129,0944 23 2,245 7,323 137,408 2,245 7,762 139,676 2,245 7,566 138,5645 24 2,245 9,383 146,016 2,245 9,989 149,193 2,245 9,735 147,794

6 25 2,245 11,517 154,343 2,245 12,322 158,557 2,245 11,994 156,8007 26 2,245 13,720 162,398 2,245 14,758 167,790 2,245 14,340 165,5978 27 2,245 15,998 170,189 2,245 17,305 176,891 2,245 16,779 174,1899 28 2,245 18,362 177,726 2,245 19,973 185,865 2,245 19,321 182,583

10 29 2,245 20,817 185,015 2,245 22,769 194,695 2,245 21,973 190,773

11 30 2,245 23,336 192,062 2,245 25,671 203,383 2,245 24,712 198,76212 31 2,245 25,955 198,873 2,245 28,714 211,939 2,245 27,570 206,56013 32 2,166 28,594 205,060 2,166 31,822 219,959 2,166 30,447 213,74514 33 2,003 31,172 210,249 2,003 34,918 227,072 2,003 33,286 219,86715 34 2,003 33,845 215,262 2,003 38,164 234,106 2,003 36,245 225,856

16 35 2,003 36,616 220,103 2,003 41,589 241,096 2,003 39,343 231,73217 36 2,245 39,721 225,833 2,245 45,445 249,199 2,245 42,820 238,60318 37 2,245 42,934 231,367 2,245 49,509 257,352 2,245 46,454 245,39419 38 2,245 46,255 236,712 2,245 53,791 265,552 2,245 50,247 252,10720 39 2,245 49,685 241,875 2,245 58,299 273,812 2,245 54,205 258,750

21 40 1,900 52,890 245,555 1,900 62,677 280,794 1,900 57,982 264,00322 41 1,873 56,167 249,012 1,873 67,228 287,673 1,873 61,877 269,08223 42 1,873 59,542 252,352 1,873 71,984 294,557 1,873 65,919 274,09424 43 1,873 63,016 255,581 1,873 76,962 301,462 1,873 70,116 279,04925 44 1,873 66,580 258,702 1,873 82,159 308,412 1,873 74,461 283,959

26 45 2,245 70,603 262,911 2,245 87,954 316,611 2,245 79,326 290,02227 46 2,245 74,738 266,983 2,245 94,013 324,847 2,245 84,372 296,01928 47 2,245 78,986 270,924 2,245 100,341 333,125 2,245 89,600 301,95529 48 1,924 83,058 273,807 1,924 106,646 340,492 1,924 94,719 306,89030 49 1,675 87,015 275,900 1,675 112,997 347,183 1,675 99,794 311,076

31 50 1,675 91,093 277,926 1,675 119,641 353,922 1,675 105,064 315,23532 51 1,675 95,283 279,887 1,675 126,583 360,723 1,675 110,526 319,37333 52 1,675 99,575 281,786 1,675 133,834 367,622 1,675 116,179 323,50934 53 1,675 103,965 283,626 1,675 141,397 374,641 1,675 122,020 327,65135 54 2,245 108,997 286,771 2,245 149,847 383,169 2,245 128,608 333,175

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36 55 2,245 114,118 289,820 2,245 158,640 391,841 2,245 135,390 338,69537 56 2,245 119,333 292,777 2,245 167,799 400,668 2,245 142,380 344,21638 57 1,536 123,943 294,101 1,536 176,627 408,107 1,536 148,877 348,19539 58 1,429 128,550 295,159 1,429 185,728 415,489 1,429 155,483 351,97940 59 1,429 133,250 296,187 1,429 195,212 423,027 1,429 162,298 355,795

41 60 1,429 138,028 297,185 1,429 205,083 430,740 1,429 169,315 359,64742 61 1,429 142,860 298,155 1,429 215,342 438,666 1,429 176,517 363,55343 62 1,429 147,721 299,098 1,429 225,982 446,846 1,429 183,885 367,52844 63 2,245 153,396 301,514 2,245 237,819 456,822 2,245 192,215 373,08845 64 2,245 159,114 303,867 2,245 250,101 467,077 2,245 200,743 378,705

46 65 2,245 164,876 306,159 2,245 262,840 477,614 2,245 209,471 384,37847 66 1,163 169,638 306,556 1,163 274,986 486,568 1,163 217,350 388,25648 67 1,133 174,420 306,894 1,133 287,574 495,741 1,133 225,403 392,15849 68 1,133 179,247 307,224 1,133 300,643 505,178 1,133 233,659 396,13150 69 1,133 184,133 307,546 1,133 314,218 514,868 1,133 242,135 400,168

51 70 1,133 189,059 307,860 1,133 328,305 524,824 1,133 250,818 404,27252 71 1,133 194,012 308,167 1,133 342,903 535,066 1,133 259,697 408,45153 72 2,245 200,006 310,102 2,245 359,077 547,318 2,245 269,801 414,37254 73 2,245 205,997 311,994 2,245 375,798 559,946 2,245 280,091 420,37855 74 2,226 211,975 313,819 2,226 393,068 572,911 2,226 290,557 426,437

56 75 929 216,695 313,819 929 409,642 584,440 929 299,948 430,77857 76 929 221,386 313,819 929 426,761 596,355 929 309,494 435,22058 77 929 226,024 313,819 929 444,423 608,684 929 319,173 439,77359 78 929 230,571 313,819 929 462,606 621,479 929 328,947 444,45060 79 929 234,995 313,819 929 481,285 634,786 929 338,781 449,266

61 80 929 239,294 313,819 929 500,475 648,625 929 348,672 454,22262 81 929 243,437 313,819 929 520,142 663,025 929 358,582 459,32663 82 929 247,451 313,819 929 540,327 677,980 929 368,538 464,57064 83 929 251,341 313,819 929 561,032 693,475 929 378,539 469,94465 84 929 255,100 313,819 929 582,222 709,483 929 388,564 475,435

66 85 929 258,704 313,819 929 603,839 726,000 929 398,568 481,03867 86 929 262,131 313,819 929 625,693 742,896 929 408,467 486,70568 87 929 265,375 313,819 929 647,798 760,189 929 418,257 492,44069 88 929 268,440 313,819 929 670,059 777,806 929 427,905 498,21770 89 929 271,338 313,819 929 692,440 795,695 929 437,405 504,016

71 90 929 274,096 313,819 929 714,926 813,803 929 446,769 509,82072 91 929 276,837 313,819 929 737,548 831,874 929 456,104 515,54873 92 929 279,624 313,819 929 760,326 849,771 929 465,463 521,15674 93 929 282,548 313,819 929 783,359 867,381 929 474,949 526,61375 94 929 285,745 313,819 929 806,924 884,673 929 484,753 531,911

76 95 0 288,745 313,819 0 830,456 901,263 0 494,356 536,89377 96 0 292,395 313,819 0 855,524 917,143 0 504,931 541,61278 97 0 297,146 313,819 0 883,076 931,860 0 517,154 545,94779 98 0 303,799 313,819 0 914,800 944,579 0 532,222 549,66280 99 0 313,819 313,819 0 953,863 953,863 0 552,352 552,352

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81 100 0 313,819 313,819 0 1,001,983 1,001,983 0 566,274 566,27482 101 0 313,819 313,819 0 1,052,533 1,052,533 0 580,547 580,54783 102 0 313,819 313,819 0 1,105,636 1,105,636 0 595,181 595,18184 103 0 313,819 313,819 0 1,161,420 1,161,420 0 610,185 610,18585 104 0 313,819 313,819 0 1,220,022 1,220,022 0 625,567 625,567

86 105 0 313,819 313,819 0 1,281,583 1,281,583 0 641,337 641,33787 106 0 313,819 313,819 0 1,346,253 1,346,253 0 657,506 657,50688 107 0 313,819 313,819 0 1,414,189 1,414,189 0 674,083 674,08389 108 0 313,819 313,819 0 1,485,555 1,485,555 0 691,079 691,07990 109 0 313,819 313,819 0 1,560,526 1,560,526 0 708,503 708,503

91 110 0 313,819 313,819 0 1,639,283 1,639,283 0 726,368 726,36892 111 0 313,819 313,819 0 1,722,016 1,722,016 0 744,684 744,68493 112 0 313,819 313,819 0 1,808,928 1,808,928 0 763,462 763,46294 113 0 313,819 313,819 0 1,900,229 1,900,229 0 782,715 782,71595 114 0 313,819 313,819 0 1,996,141 1,996,141 0 802,453 802,453

96 115 0 313,819 313,819 0 2,096,896 2,096,896 0 822,690 822,69097 116 0 313,819 313,819 0 2,202,739 2,202,739 0 843,438 843,43898 117 0 313,819 313,819 0 2,313,927 2,313,927 0 864,710 864,71099 118 0 313,819 313,819 0 2,430,731 2,430,731 0 886,519 886,519

100 119 0 313,819 313,819 0 2,553,432 2,553,432 0 908,878 908,878

101 120 0 313,819 313,819 0 2,682,331 2,682,331 0 931,803 931,803

Page: 9 of 16

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Tabular Detail








1 20 2,245 1,320 109,814 2,245 1,320 109,8142 21 2,245 3,410 119,315 2,245 3,548 119,4523 22 2,245 5,333 128,510 2,245 5,634 129,6794 23 2,245 7,323 137,408 2,245 7,762 139,6765 24 2,245 9,383 146,016 2,245 9,989 149,193

6 25 2,245 11,517 154,343 2,245 12,322 158,5577 26 2,245 13,720 162,398 2,245 14,758 167,7908 27 2,245 15,998 170,189 2,245 17,305 176,8919 28 2,245 18,362 177,726 2,245 19,973 185,865

10 29 2,245 20,817 185,015 2,245 22,769 194,695

11 30 2,245 23,336 192,062 2,245 25,671 203,38312 31 2,245 25,955 198,873 2,245 28,714 211,93913 32 2,166 28,594 205,060 2,166 31,822 219,95914 33 2,003 31,172 210,249 2,003 34,918 227,07215 34 2,003 33,845 215,262 2,003 38,164 234,106

16 35 2,003 36,616 220,103 2,003 41,589 241,09617 36 2,245 39,721 225,833 2,245 45,445 249,19918 37 2,245 42,934 231,367 2,245 49,509 257,35219 38 2,245 46,255 236,712 2,245 53,791 265,55220 39 2,245 49,685 241,875 2,245 58,299 273,812

21 40 1,900 52,890 245,555 1,900 62,677 280,79422 41 1,873 56,167 249,012 1,873 67,228 287,67323 42 1,873 59,542 252,352 1,873 71,984 294,55724 43 1,873 63,016 255,581 1,873 76,962 301,46225 44 1,873 66,580 258,702 1,873 82,159 308,412

26 45 2,245 70,603 262,911 2,245 87,954 316,61127 46 2,245 74,738 266,983 2,245 94,013 324,84728 47 2,245 78,986 270,924 2,245 100,341 333,12529 48 1,924 83,058 273,807 1,924 106,646 340,49230 49 1,675 87,015 275,900 1,675 112,997 347,183

31 50 1,675 91,093 277,926 1,675 119,641 353,92232 51 1,675 95,283 279,887 1,675 126,583 360,72333 52 1,675 99,575 281,786 1,675 133,834 367,62234 53 1,675 103,965 283,626 1,675 141,397 374,64135 54 2,245 108,997 286,771 2,245 149,847 383,169

36 55 2,245 114,118 289,820 2,245 158,640 391,84137 56 2,245 119,333 292,777 2,245 167,799 400,66838 57 1,536 123,943 294,101 1,536 176,627 408,10739 58 1,429 128,550 295,159 1,429 185,728 415,48940 59 1,429 133,250 296,187 1,429 195,212 423,027

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Tabular Detail




41 60 1,429 138,028 297,185 1,429 205,083 430,74042 61 1,429 142,860 298,155 1,429 215,342 438,66643 62 1,429 147,721 299,098 1,429 225,982 446,84644 63 2,245 153,396 301,514 2,245 237,819 456,82245 64 2,245 159,114 303,867 2,245 250,101 467,077

46 65 2,245 164,876 306,159 2,245 262,840 477,61447 66 1,163 169,638 306,556 1,163 274,986 486,56848 67 1,133 174,420 306,894 1,133 287,574 495,74149 68 1,133 179,247 307,224 1,133 300,643 505,17850 69 1,133 184,133 307,546 1,133 314,218 514,868

51 70 1,133 189,059 307,860 1,133 328,305 524,82452 71 1,133 194,012 308,167 1,133 342,903 535,06653 72 2,245 200,006 310,102 2,245 359,077 547,31854 73 2,245 205,997 311,994 2,245 375,798 559,94655 74 2,226 211,975 313,819 2,226 393,068 572,911

56 75 929 216,695 313,819 929 409,642 584,44057 76 929 221,386 313,819 929 426,761 596,35558 77 929 226,024 313,819 929 444,423 608,68459 78 929 230,571 313,819 929 462,606 621,47960 79 929 234,995 313,819 929 481,285 634,786

61 80 929 239,294 313,819 929 500,475 648,62562 81 929 243,437 313,819 929 520,142 663,02563 82 929 247,451 313,819 929 540,327 677,98064 83 929 251,341 313,819 929 561,032 693,47565 84 929 255,100 313,819 929 582,222 709,483

66 85 929 258,704 313,819 929 603,839 726,00067 86 929 262,131 313,819 929 625,693 742,89668 87 929 265,375 313,819 929 647,798 760,18969 88 929 268,440 313,819 929 670,059 777,80670 89 929 271,338 313,819 929 692,440 795,695

71 90 929 274,096 313,819 929 714,926 813,80372 91 929 276,837 313,819 929 737,548 831,87473 92 929 279,624 313,819 929 760,326 849,77174 93 929 282,548 313,819 929 783,359 867,38175 94 929 285,745 313,819 929 806,924 884,673

76 95 0 288,745 313,819 0 830,456 901,26377 96 0 292,395 313,819 0 855,524 917,14378 97 0 297,146 313,819 0 883,076 931,86079 98 0 303,799 313,819 0 914,800 944,57980 99 0 313,819 313,819 0 953,863 953,863

81 100 0 313,819 313,819 0 1,001,983 1,001,98382 101 0 313,819 313,819 0 1,052,533 1,052,53383 102 0 313,819 313,819 0 1,105,636 1,105,63684 103 0 313,819 313,819 0 1,161,420 1,161,42085 104 0 313,819 313,819 0 1,220,022 1,220,022

Page: 11 of 16

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Tabular Detail




86 105 0 313,819 313,819 0 1,281,583 1,281,58387 106 0 313,819 313,819 0 1,346,253 1,346,25388 107 0 313,819 313,819 0 1,414,189 1,414,18989 108 0 313,819 313,819 0 1,485,555 1,485,55590 109 0 313,819 313,819 0 1,560,526 1,560,526

91 110 0 313,819 313,819 0 1,639,283 1,639,28392 111 0 313,819 313,819 0 1,722,016 1,722,01693 112 0 313,819 313,819 0 1,808,928 1,808,92894 113 0 313,819 313,819 0 1,900,229 1,900,22995 114 0 313,819 313,819 0 1,996,141 1,996,141

96 115 0 313,819 313,819 0 2,096,896 2,096,89697 116 0 313,819 313,819 0 2,202,739 2,202,73998 117 0 313,819 313,819 0 2,313,927 2,313,92799 118 0 313,819 313,819 0 2,430,731 2,430,731

100 119 0 313,819 313,819 0 2,553,432 2,553,432

101 120 0 313,819 313,819 0 2,682,331 2,682,331





YearNet


Equiv. Lev.Dividend

10 8.38 4.04 0.9120 7.97 3.90 1.32

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Premium $6,372.50




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1 20 929 29 0 2,245 2,245 2,245 2,245 1,291 1,320 109,8142 21 929 784 137 2,245 4,490 2,245 4,490 2,764 3,548 119,4523 22 929 1,327 159 2,245 6,735 2,245 6,735 4,307 5,634 129,6794 23 929 1,890 129 2,245 8,980 2,245 8,980 5,872 7,762 139,6765 24 929 2,475 152 2,245 11,225 2,245 11,225 7,514 9,989 149,193

6 25 929 3,082 179 2,245 13,470 2,245 13,470 9,240 12,322 158,5577 26 929 3,708 206 2,245 15,715 2,245 15,715 11,050 14,758 167,7908 27 929 4,356 234 2,245 17,960 2,245 17,960 12,949 17,305 176,8919 28 929 5,030 260 2,245 20,205 2,245 20,205 14,943 19,973 185,865

10 29 929 5,734 286 2,245 22,450 2,245 22,450 17,035 22,769 194,695

11 30 929 6,438 315 2,245 24,695 2,245 24,695 19,233 25,671 203,38312 31 929 7,173 343 2,245 26,940 2,245 26,940 21,541 28,714 211,93913 32 929 7,937 372 2,166 29,106 2,166 29,106 23,885 31,822 219,95914 33 929 8,731 404 2,003 31,109 2,003 31,109 26,187 34,918 227,07215 34 929 9,555 440 2,003 33,112 2,003 33,112 28,609 38,164 234,106

16 35 929 10,410 502 2,003 35,115 2,003 35,115 31,179 41,589 241,09617 36 929 11,294 575 2,245 37,360 2,245 37,360 34,151 45,445 249,19918 37 929 12,209 649 2,245 39,605 2,245 39,605 37,300 49,509 257,35219 38 929 13,153 730 2,245 41,850 2,245 41,850 40,638 53,791 265,55220 39 929 14,127 813 2,245 44,095 2,245 44,095 44,172 58,299 273,812

21 40 929 15,133 872 1,900 45,995 1,900 45,995 47,544 62,677 280,79422 41 929 16,168 933 1,873 47,868 1,873 47,868 51,060 67,228 287,67323 42 929 17,232 1,000 1,873 49,741 1,873 49,741 54,752 71,984 294,55724 43 929 18,325 1,076 1,873 51,614 1,873 51,614 58,637 76,962 301,46225 44 929 19,444 1,158 1,873 53,486 1,873 53,486 62,715 82,159 308,412

26 45 929 20,589 1,249 2,245 55,731 2,245 55,731 67,365 87,954 316,61127 46 929 21,764 1,345 2,245 57,976 2,245 57,976 72,249 94,013 324,84728 47 929 22,967 1,442 2,245 60,221 2,245 60,221 77,374 100,341 333,12529 48 929 24,210 1,527 1,924 62,145 1,924 62,145 82,436 106,646 340,49230 49 929 25,492 1,616 1,675 63,820 1,675 63,820 87,505 112,997 347,183

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31 50 929 26,812 1,709 1,675 65,495 1,675 65,495 92,829 119,641 353,92232 51 929 28,167 1,819 1,675 67,170 1,675 67,170 98,416 126,583 360,72333 52 929 29,553 1,944 1,675 68,845 1,675 68,845 104,281 133,834 367,62234 53 929 30,968 2,075 1,675 70,519 1,675 70,519 110,429 141,397 374,64135 54 929 32,406 2,237 2,245 72,764 2,245 72,764 117,441 149,847 383,169

36 55 929 33,864 2,405 2,245 75,009 2,245 75,009 124,776 158,640 391,84137 56 929 35,342 2,586 2,245 77,254 2,245 77,254 132,457 167,799 400,66838 57 929 36,840 2,765 1,536 78,791 1,536 78,791 139,787 176,627 408,10739 58 929 38,369 2,928 1,429 80,220 1,429 80,220 147,359 185,728 415,48940 59 929 39,928 3,102 1,429 81,649 1,429 81,649 155,284 195,212 423,027

41 60 929 41,510 3,296 1,429 83,078 1,429 83,078 163,573 205,083 430,74042 61 929 43,107 3,519 1,429 84,507 1,429 84,507 172,235 215,342 438,66643 62 929 44,710 3,766 1,429 85,936 1,429 85,936 181,272 225,982 446,84644 63 929 46,315 4,046 2,245 88,181 2,245 88,181 191,504 237,819 456,82245 64 929 47,923 4,335 2,245 90,426 2,245 90,426 202,178 250,101 467,077

46 65 929 49,536 4,632 2,245 92,671 2,245 92,671 213,304 262,840 477,61447 66 929 51,157 4,910 1,163 93,833 1,163 93,833 223,829 274,986 486,56848 67 929 52,793 5,185 1,133 94,966 1,133 94,966 234,781 287,574 495,74149 68 929 54,444 5,472 1,133 96,100 1,133 96,100 246,199 300,643 505,17850 69 929 56,114 5,755 1,133 97,233 1,133 97,233 258,104 314,218 514,868

51 70 929 57,797 6,067 1,133 98,366 1,133 98,366 270,508 328,305 524,82452 71 929 59,488 6,395 1,133 99,499 1,133 99,499 283,415 342,903 535,06653 72 929 61,164 6,816 2,245 101,744 2,245 101,744 297,913 359,077 547,31854 73 929 62,829 7,237 2,245 103,989 2,245 103,989 312,969 375,798 559,94655 74 929 64,487 7,661 2,226 106,215 2,226 106,215 328,581 393,068 572,911

56 75 929 66,136 8,081 816 107,032 816 107,032 343,388 409,524 584,27557 76 929 67,776 8,513 816 107,848 816 107,848 358,745 426,521 596,02358 77 929 69,397 8,983 816 108,664 816 108,664 374,660 444,057 608,18759 78 929 70,987 9,502 816 109,481 816 109,481 391,121 462,108 620,81660 79 929 72,535 10,062 816 110,297 816 110,297 408,116 480,651 633,956

61 80 929 74,040 10,638 816 111,113 816 111,113 425,660 499,700 647,62662 81 929 75,491 11,253 929 112,042 929 112,042 443,846 519,337 662,00563 82 929 76,898 11,859 929 112,971 929 112,971 462,594 539,492 676,93864 83 929 78,265 12,463 929 113,900 929 113,900 481,901 560,166 692,40965 84 929 79,587 13,050 929 114,829 929 114,829 501,737 581,324 708,393

66 85 929 80,858 13,644 929 115,758 929 115,758 522,050 602,908 724,88667 86 929 82,072 14,111 929 116,687 929 116,687 542,657 624,729 741,75668 87 929 83,227 14,622 929 117,616 929 117,616 563,575 646,802 759,02469 88 929 84,327 15,048 929 118,545 929 118,545 584,703 669,030 776,61470 89 929 85,380 15,434 929 119,474 929 119,474 605,997 691,377 794,476

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71 90 929 86,399 15,769 929 120,403 929 120,403 627,430 713,829 812,55772 91 929 87,434 15,849 929 121,332 929 121,332 648,983 736,417 830,60173 92 929 88,519 15,827 929 122,261 929 122,261 670,642 759,161 848,47174 93 929 89,700 15,702 929 123,190 929 123,190 692,460 782,160 866,05475 94 929 91,054 15,558 929 124,119 929 124,119 714,636 805,690 883,320

76 95 0 92,010 15,037 0 124,119 0 124,119 737,176 829,186 899,88577 96 0 93,173 14,549 0 124,119 0 124,119 761,043 854,216 915,74078 97 0 94,687 13,629 0 124,119 0 124,119 787,038 881,725 930,43579 98 0 96,807 11,935 0 124,119 0 124,119 816,594 913,401 943,13480 99 0 100,000 8,876 0 124,119 0 124,119 852,404 952,404 952,404

81 100 0 100,000 48,046 0 124,119 0 124,119 900,450 1,000,450 1,000,45082 101 0 100,000 50,473 0 124,119 0 124,119 950,923 1,050,923 1,050,92383 102 0 100,000 53,022 0 124,119 0 124,119 1,003,945 1,103,945 1,103,94584 103 0 100,000 55,699 0 124,119 0 124,119 1,059,644 1,159,644 1,159,64485 104 0 100,000 58,512 0 124,119 0 124,119 1,118,156 1,218,156 1,218,156

86 105 0 100,000 61,467 0 124,119 0 124,119 1,179,623 1,279,623 1,279,62387 106 0 100,000 64,571 0 124,119 0 124,119 1,244,194 1,344,194 1,344,19488 107 0 100,000 67,832 0 124,119 0 124,119 1,312,025 1,412,025 1,412,02589 108 0 100,000 71,257 0 124,119 0 124,119 1,383,283 1,483,283 1,483,28390 109 0 100,000 74,856 0 124,119 0 124,119 1,458,138 1,558,138 1,558,138

91 110 0 100,000 78,636 0 124,119 0 124,119 1,536,774 1,636,774 1,636,77492 111 0 100,000 82,607 0 124,119 0 124,119 1,619,382 1,719,382 1,719,38293 112 0 100,000 86,779 0 124,119 0 124,119 1,706,160 1,806,160 1,806,16094 113 0 100,000 91,161 0 124,119 0 124,119 1,797,321 1,897,321 1,897,32195 114 0 100,000 95,765 0 124,119 0 124,119 1,893,086 1,993,086 1,993,086

96 115 0 100,000 100,601 0 124,119 0 124,119 1,993,687 2,093,687 2,093,68797 116 0 100,000 105,681 0 124,119 0 124,119 2,099,368 2,199,368 2,199,36898 117 0 100,000 111,018 0 124,119 0 124,119 2,210,386 2,310,386 2,310,38699 118 0 100,000 116,625 0 124,119 0 124,119 2,327,011 2,427,011 2,427,011

100 119 0 100,000 122,514 0 124,119 0 124,119 2,449,525 2,549,525 2,549,525

101 120 0 100,000 128,701 0 124,119 0 124,119 2,578,226 2,678,226 2,678,226


Page: 16 of 16

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30 Year Old Female



(800) 441-6455

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Narrative Summary

30 Year Old Female, Female Age 30, Preferred NTBenefit Premium **

$100,000 Whole Life 95 $1,062.00Paid Up Additions Rider (Scheduled) $100.00Paid Up Additions Rider (Unscheduled) $1,595.45













Important Notes: ** This illustration was run assuming a mode of Annual. All premium and other payments are deemed to bemade on policy anniversaries. Refer to the end of the Tabular Detail report for the billed amount based on themode selected.




Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$1,595.45$3,086.00$2,077.35$1,434.46$3,086.00$1,678.90$1,189.81$3,086.00$1,668.66

$918.76



Figures depending on dividends are based on the 2015 dividend scale and are not guaranteed. This illustrationassumes that the currently illustrated non-guaranteed elements, including dividends, will continue unchangedfor all years shown. This is not likely to occur and the actual results may be more or less favorable than thoseshown.

Page: 2 of 15

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Narrative Summary



Guaranteed: The columns show the values assuming that no dividends are ever paid. The guaranteed cash values are basedon an interest rate of 4.00%. The premiums for any riders are shown at their guaranteed maximum cost.













Guardian's current Individual Life Dividend Scale meets the requirements of the National Association ofInsurance Commissioners (NAIC) Life Insurance Model Regulation and is a Disciplined Current Scale.




This policy as shown on the Planning Concept report will not become a Modified Endowment Contract (MEC). The term MEC is designated under federal tax law. If a policy becomes a MEC, surrenders, withdrawals orpolicy loans will be taxed less favorably than for non-MEC.


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Narrative Summary
















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Numeric Summary








5 34 2,757 12,281 148,220 2,757 12,817 150,517 2,757 12,573 149,389

10 39 2,596 29,323 197,251 2,596 31,319 205,056 2,596 30,472 201,758

20 49 2,352 67,721 258,334 2,352 78,490 290,391 2,352 73,236 274,843

41 70 2,480 176,926 324,788 2,480 268,539 482,225 2,480 218,841 396,965

46 75 1,416 203,454 327,604 1,416 336,206 531,254 1,416 262,690 418,639

51 80 1,062 233,543 334,478 1,062 420,047 592,638 1,062 314,593 446,837

56 85 1,062 257,604 334,478 1,062 512,237 657,495 1,062 365,116 471,037

61 90 1,062 279,224 334,478 1,062 614,172 730,433 1,062 416,492 496,896







Page: 5 of 15

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32











1 30 2,757 1,705 110,341 2,757 1,705 110,341 2,757 1,705 110,3412 31 2,757 4,352 120,320 2,757 4,451 120,418 2,757 4,401 120,3693 32 2,757 6,905 129,951 2,757 7,131 130,664 2,757 7,017 130,3074 33 2,757 9,546 139,247 2,757 9,935 140,705 2,757 9,740 139,9745 34 2,757 12,281 148,220 2,757 12,817 150,517 2,757 12,573 149,389

6 35 2,757 15,105 156,881 2,757 15,832 159,937 2,757 15,516 158,5587 36 2,757 18,029 165,244 2,757 18,987 169,226 2,757 18,581 167,5088 37 4,248 22,518 180,419 4,248 23,767 185,481 4,248 23,241 183,3409 38 3,239 26,172 190,434 3,239 27,768 196,783 3,239 27,095 194,109

10 39 2,596 29,323 197,251 2,596 31,319 205,056 2,596 30,472 201,758

11 40 2,596 32,523 203,835 2,596 34,975 213,233 2,596 33,926 209,23512 41 2,596 35,831 210,194 2,596 38,803 221,324 2,596 37,520 216,54913 42 2,596 39,252 216,336 2,596 42,813 229,342 2,596 41,235 223,68514 43 2,596 42,783 222,269 2,596 47,006 237,301 2,596 45,096 230,60115 44 2,596 46,429 228,001 2,596 51,395 245,203 2,596 49,110 237,383

16 45 4,248 51,811 239,502 4,248 57,654 259,077 4,248 54,924 250,02817 46 2,841 55,981 245,708 2,841 62,835 267,976 2,841 59,590 257,53118 47 2,352 59,789 250,058 2,352 67,795 275,309 2,352 63,962 263,31419 48 2,352 63,703 254,265 2,352 73,010 282,780 2,352 68,510 269,08420 49 2,352 67,721 258,334 2,352 78,490 290,391 2,352 73,236 274,843

21 50 2,352 71,838 262,271 2,352 84,208 298,119 2,352 78,125 280,58222 51 2,352 76,058 266,082 2,352 90,178 305,901 2,352 83,184 286,27023 52 2,352 80,374 269,772 2,352 96,401 313,749 2,352 88,410 291,91524 53 4,248 86,646 278,603 4,248 104,776 326,957 4,248 95,681 302,79425 54 2,831 91,682 283,354 2,831 112,102 336,338 2,831 101,799 309,700

26 55 2,081 96,096 286,007 2,081 118,997 343,835 2,081 107,379 314,59627 56 2,081 100,591 288,580 2,081 126,178 351,462 2,081 113,129 319,49428 57 2,081 105,172 291,077 2,081 133,657 359,226 2,081 119,057 324,39929 58 2,081 109,833 293,501 2,081 141,445 367,137 2,081 125,163 329,31630 59 2,081 114,586 295,856 2,081 149,559 375,199 2,081 131,460 334,247

31 60 2,081 119,433 298,144 2,081 158,012 383,402 2,081 137,954 339,18832 61 4,248 126,491 305,097 4,248 168,969 396,514 4,248 146,785 348,88633 62 2,708 132,198 308,588 2,708 178,852 406,428 2,708 154,380 355,22434 63 1,768 137,102 310,044 1,768 188,219 414,530 1,768 161,289 359,60535 64 1,768 142,096 311,461 1,768 197,972 422,808 1,768 168,408 364,020

Page: 6 of 15

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36 65 1,768 147,174 312,840 1,768 208,120 431,263 1,768 175,737 368,46937 66 1,768 152,338 314,182 1,768 218,679 439,903 1,768 183,281 372,95338 67 1,768 157,582 315,489 1,768 229,666 448,740 1,768 191,042 377,47839 68 1,768 162,902 316,762 1,768 241,085 457,786 1,768 199,019 382,04840 69 4,248 170,714 322,360 4,248 255,407 471,439 4,248 209,650 391,040

41 70 2,480 176,926 324,788 2,480 268,539 482,225 2,480 218,841 396,96542 71 1,416 182,172 325,379 1,416 281,122 491,463 1,416 227,223 401,14643 72 1,416 187,450 325,955 1,416 294,162 500,974 1,416 235,796 405,40144 73 1,416 192,762 326,518 1,416 307,686 510,771 1,416 244,569 409,73445 74 1,416 198,096 327,067 1,416 321,693 520,861 1,416 253,531 414,146

46 75 1,416 203,454 327,604 1,416 336,206 531,254 1,416 262,690 418,63947 76 1,416 208,828 328,129 1,416 351,229 541,954 1,416 272,040 423,21248 77 4,248 216,966 332,748 4,248 369,574 557,123 4,248 284,357 431,99649 78 2,282 223,263 334,478 2,282 386,621 569,774 2,282 295,022 438,00450 79 1,062 228,404 334,478 1,062 403,059 581,038 1,062 304,717 442,377

51 80 1,062 233,543 334,478 1,062 420,047 592,638 1,062 314,593 446,83752 81 1,062 238,569 334,478 1,062 437,508 604,674 1,062 324,545 451,42153 82 1,062 243,464 334,478 1,062 455,424 617,195 1,062 334,550 456,14454 83 1,062 248,276 334,478 1,062 473,859 630,175 1,062 344,658 460,99155 84 1,062 252,992 334,478 1,062 492,796 643,603 1,062 354,850 465,955

56 85 1,062 257,604 334,478 1,062 512,237 657,495 1,062 365,116 471,03757 86 1,062 262,227 334,478 1,062 532,148 671,590 1,062 375,520 476,14158 87 1,062 266,662 334,478 1,062 552,288 685,962 1,062 385,833 481,29159 88 1,062 270,935 334,478 1,062 572,647 700,610 1,062 396,065 486,48560 89 1,062 275,073 334,478 1,062 593,225 715,484 1,062 406,232 491,705

61 90 1,062 279,224 334,478 1,062 614,172 730,433 1,062 416,492 496,89662 91 1,062 283,816 334,478 1,062 635,885 744,916 1,062 427,291 501,87463 92 1,062 288,677 334,478 1,062 658,143 758,966 1,062 438,432 506,65564 93 1,062 293,720 334,478 1,062 680,761 772,641 1,062 449,784 511,26365 94 1,062 298,963 334,478 1,062 703,779 785,989 1,062 461,373 515,717

66 95 0 303,669 334,478 0 726,240 798,766 0 472,359 519,90467 96 0 308,857 334,478 0 749,660 810,934 0 484,001 523,85568 97 0 314,975 334,478 0 774,980 822,319 0 496,959 527,52269 98 0 323,243 334,478 0 804,656 832,299 0 512,988 530,71470 99 0 334,478 334,478 0 840,442 840,442 0 533,301 533,301

71 100 0 334,478 334,478 0 882,834 882,834 0 546,742 546,74272 101 0 334,478 334,478 0 927,367 927,367 0 560,522 560,52273 102 0 334,478 334,478 0 974,149 974,149 0 574,650 574,65074 103 0 334,478 334,478 0 1,023,294 1,023,294 0 589,135 589,13575 104 0 334,478 334,478 0 1,074,920 1,074,920 0 603,986 603,986

76 105 0 334,478 334,478 0 1,129,154 1,129,154 0 619,212 619,21277 106 0 334,478 334,478 0 1,186,126 1,186,126 0 634,822 634,82278 107 0 334,478 334,478 0 1,245,975 1,245,975 0 650,826 650,82679 108 0 334,478 334,478 0 1,308,847 1,308,847 0 667,234 667,23480 109 0 334,478 334,478 0 1,374,894 1,374,894 0 684,057 684,057

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81 110 0 334,478 334,478 0 1,444,276 1,444,276 0 701,304 701,30482 111 0 334,478 334,478 0 1,517,162 1,517,162 0 718,987 718,98783 112 0 334,478 334,478 0 1,593,728 1,593,728 0 737,117 737,11784 113 0 334,478 334,478 0 1,674,162 1,674,162 0 755,704 755,70485 114 0 334,478 334,478 0 1,758,657 1,758,657 0 774,760 774,760

86 115 0 334,478 334,478 0 1,847,419 1,847,419 0 794,298 794,29887 116 0 334,478 334,478 0 1,940,664 1,940,664 0 814,329 814,32988 117 0 334,478 334,478 0 2,038,617 2,038,617 0 834,866 834,86689 118 0 334,478 334,478 0 2,141,517 2,141,517 0 855,921 855,92190 119 0 334,478 334,478 0 2,249,614 2,249,614 0 877,508 877,508

91 120 0 334,478 334,478 0 2,363,170 2,363,170 0 899,640 899,640

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Tabular Detail








1 30 2,757 1,705 110,341 2,757 1,705 110,3412 31 2,757 4,352 120,320 2,757 4,451 120,4183 32 2,757 6,905 129,951 2,757 7,131 130,6644 33 2,757 9,546 139,247 2,757 9,935 140,7055 34 2,757 12,281 148,220 2,757 12,817 150,517

6 35 2,757 15,105 156,881 2,757 15,832 159,9377 36 2,757 18,029 165,244 2,757 18,987 169,2268 37 4,248 22,518 180,419 4,248 23,767 185,4819 38 3,239 26,172 190,434 3,239 27,768 196,783

10 39 2,596 29,323 197,251 2,596 31,319 205,056

11 40 2,596 32,523 203,835 2,596 34,975 213,23312 41 2,596 35,831 210,194 2,596 38,803 221,32413 42 2,596 39,252 216,336 2,596 42,813 229,34214 43 2,596 42,783 222,269 2,596 47,006 237,30115 44 2,596 46,429 228,001 2,596 51,395 245,203

16 45 4,248 51,811 239,502 4,248 57,654 259,07717 46 2,841 55,981 245,708 2,841 62,835 267,97618 47 2,352 59,789 250,058 2,352 67,795 275,30919 48 2,352 63,703 254,265 2,352 73,010 282,78020 49 2,352 67,721 258,334 2,352 78,490 290,391

21 50 2,352 71,838 262,271 2,352 84,208 298,11922 51 2,352 76,058 266,082 2,352 90,178 305,90123 52 2,352 80,374 269,772 2,352 96,401 313,74924 53 4,248 86,646 278,603 4,248 104,776 326,95725 54 2,831 91,682 283,354 2,831 112,102 336,338

26 55 2,081 96,096 286,007 2,081 118,997 343,83527 56 2,081 100,591 288,580 2,081 126,178 351,46228 57 2,081 105,172 291,077 2,081 133,657 359,22629 58 2,081 109,833 293,501 2,081 141,445 367,13730 59 2,081 114,586 295,856 2,081 149,559 375,199

31 60 2,081 119,433 298,144 2,081 158,012 383,40232 61 4,248 126,491 305,097 4,248 168,969 396,51433 62 2,708 132,198 308,588 2,708 178,852 406,42834 63 1,768 137,102 310,044 1,768 188,219 414,53035 64 1,768 142,096 311,461 1,768 197,972 422,808

36 65 1,768 147,174 312,840 1,768 208,120 431,26337 66 1,768 152,338 314,182 1,768 218,679 439,90338 67 1,768 157,582 315,489 1,768 229,666 448,74039 68 1,768 162,902 316,762 1,768 241,085 457,78640 69 4,248 170,714 322,360 4,248 255,407 471,439

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Tabular Detail




41 70 2,480 176,926 324,788 2,480 268,539 482,22542 71 1,416 182,172 325,379 1,416 281,122 491,46343 72 1,416 187,450 325,955 1,416 294,162 500,97444 73 1,416 192,762 326,518 1,416 307,686 510,77145 74 1,416 198,096 327,067 1,416 321,693 520,861

46 75 1,416 203,454 327,604 1,416 336,206 531,25447 76 1,416 208,828 328,129 1,416 351,229 541,95448 77 4,248 216,966 332,748 4,248 369,574 557,12349 78 2,282 223,263 334,478 2,282 386,621 569,77450 79 1,062 228,404 334,478 1,062 403,059 581,038

51 80 1,062 233,543 334,478 1,062 420,047 592,63852 81 1,062 238,569 334,478 1,062 437,508 604,67453 82 1,062 243,464 334,478 1,062 455,424 617,19554 83 1,062 248,276 334,478 1,062 473,859 630,17555 84 1,062 252,992 334,478 1,062 492,796 643,603

56 85 1,062 257,604 334,478 1,062 512,237 657,49557 86 1,062 262,227 334,478 1,062 532,148 671,59058 87 1,062 266,662 334,478 1,062 552,288 685,96259 88 1,062 270,935 334,478 1,062 572,647 700,61060 89 1,062 275,073 334,478 1,062 593,225 715,484

61 90 1,062 279,224 334,478 1,062 614,172 730,43362 91 1,062 283,816 334,478 1,062 635,885 744,91663 92 1,062 288,677 334,478 1,062 658,143 758,96664 93 1,062 293,720 334,478 1,062 680,761 772,64165 94 1,062 298,963 334,478 1,062 703,779 785,989

66 95 0 303,669 334,478 0 726,240 798,76667 96 0 308,857 334,478 0 749,660 810,93468 97 0 314,975 334,478 0 774,980 822,31969 98 0 323,243 334,478 0 804,656 832,29970 99 0 334,478 334,478 0 840,442 840,442

71 100 0 334,478 334,478 0 882,834 882,83472 101 0 334,478 334,478 0 927,367 927,36773 102 0 334,478 334,478 0 974,149 974,14974 103 0 334,478 334,478 0 1,023,294 1,023,29475 104 0 334,478 334,478 0 1,074,920 1,074,920

76 105 0 334,478 334,478 0 1,129,154 1,129,15477 106 0 334,478 334,478 0 1,186,126 1,186,12678 107 0 334,478 334,478 0 1,245,975 1,245,97579 108 0 334,478 334,478 0 1,308,847 1,308,84780 109 0 334,478 334,478 0 1,374,894 1,374,894

81 110 0 334,478 334,478 0 1,444,276 1,444,27682 111 0 334,478 334,478 0 1,517,162 1,517,16283 112 0 334,478 334,478 0 1,593,728 1,593,72884 113 0 334,478 334,478 0 1,674,162 1,674,16285 114 0 334,478 334,478 0 1,758,657 1,758,657

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Tabular Detail




86 115 0 334,478 334,478 0 1,847,419 1,847,41987 116 0 334,478 334,478 0 1,940,664 1,940,66488 117 0 334,478 334,478 0 2,038,617 2,038,61789 118 0 334,478 334,478 0 2,141,517 2,141,51790 119 0 334,478 334,478 0 2,249,614 2,249,614

91 120 0 334,478 334,478 0 2,363,170 2,363,170





YearNet


Equiv. Lev.Dividend

10 9.94 4.05 0.6820 9.34 4.03 1.28

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Premium $6,372.50




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CASHAGE BASE BASE NET VALUEAT POLICY GUAR. CUM AFTER CUM OF NET NET

START ANNUAL CASH ANNUAL NET NET TAX NET A/T ALL CASH DEATHPOL OF PREM VALUE DIV PREM PREM OUTLAY OUTLAY ADDS VALUE BENEFITYR YEAR # ## # * # * # * # * # * ## * ## * ## *

1 30 1,062 36 0 2,757 2,757 2,757 2,757 1,669 1,705 110,3412 31 1,062 954 0 2,757 5,515 2,757 5,515 3,497 4,451 120,4183 32 1,062 1,715 98 2,757 8,272 2,757 8,272 5,416 7,131 130,6644 33 1,062 2,501 124 2,757 11,030 2,757 11,030 7,434 9,935 140,7055 34 1,062 3,314 154 2,757 13,787 2,757 13,787 9,503 12,817 150,517

6 35 1,062 4,150 134 2,757 16,545 2,757 16,545 11,682 15,832 159,9377 36 1,062 5,016 172 2,757 19,302 2,757 19,302 13,971 18,987 169,2268 37 1,062 5,909 205 4,248 23,550 4,248 23,550 17,858 23,767 185,4819 38 1,062 6,833 256 3,239 26,790 3,239 26,790 20,935 27,768 196,783

10 39 1,062 7,790 303 2,596 29,386 2,596 29,386 23,529 31,319 205,056

11 40 1,062 8,719 343 2,596 31,982 2,596 31,982 26,256 34,975 213,23312 41 1,062 9,678 386 2,596 34,579 2,596 34,579 29,125 38,803 221,32413 42 1,062 10,669 433 2,596 37,175 2,596 37,175 32,144 42,813 229,34214 43 1,062 11,690 485 2,596 39,772 2,596 39,772 35,316 47,006 237,30115 44 1,062 12,743 537 2,596 42,368 2,596 42,368 38,652 51,395 245,203

16 45 1,062 13,826 596 4,248 46,616 4,248 46,616 43,828 57,654 259,07717 46 1,062 14,939 705 2,841 49,457 2,841 49,457 47,896 62,835 267,97618 47 1,062 16,079 810 2,352 51,809 2,352 51,809 51,716 67,795 275,30919 48 1,062 17,248 918 2,352 54,161 2,352 54,161 55,762 73,010 282,78020 49 1,062 18,444 1,030 2,352 56,513 2,352 56,513 60,046 78,490 290,391

21 50 1,062 19,666 1,150 2,352 58,864 2,352 58,864 64,542 84,208 298,11922 51 1,062 20,914 1,245 2,352 61,216 2,352 61,216 69,264 90,178 305,90123 52 1,062 22,186 1,345 2,352 63,568 2,352 63,568 74,215 96,401 313,74924 53 1,062 23,481 1,452 4,248 67,816 4,248 67,816 81,295 104,776 326,95725 54 1,062 24,800 1,592 2,831 70,647 2,831 70,647 87,302 112,102 336,338

26 55 1,062 26,142 1,720 2,081 72,727 2,081 72,727 92,855 118,997 343,83527 56 1,062 27,505 1,849 2,081 74,808 2,081 74,808 98,673 126,178 351,46228 57 1,062 28,890 1,986 2,081 76,889 2,081 76,889 104,767 133,657 359,22629 58 1,062 30,294 2,129 2,081 78,970 2,081 78,970 111,151 141,445 367,13730 59 1,062 31,723 2,283 2,081 81,050 2,081 81,050 117,836 149,559 375,199

31 60 1,062 33,177 2,436 2,081 83,131 2,081 83,131 124,835 158,012 383,40232 61 1,062 34,655 2,593 4,248 87,379 4,248 87,379 134,314 168,969 396,51433 62 1,062 36,158 2,796 2,708 90,087 2,708 90,087 142,694 178,852 406,42834 63 1,062 37,688 2,975 1,768 91,855 1,768 91,855 150,531 188,219 414,53035 64 1,062 39,243 3,159 1,768 93,623 1,768 93,623 158,729 197,972 422,808

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36 65 1,062 40,822 3,346 1,768 95,390 1,768 95,390 167,298 208,120 431,26337 66 1,062 42,426 3,543 1,768 97,158 1,768 97,158 176,253 218,679 439,90338 67 1,062 44,052 3,750 1,768 98,926 1,768 98,926 185,614 229,666 448,74039 68 1,062 45,699 3,973 1,768 100,694 1,768 100,694 195,386 241,085 457,78640 69 1,062 47,366 4,204 4,248 104,942 4,248 104,942 208,041 255,407 471,439

41 70 1,062 49,051 4,484 2,480 107,422 2,480 107,422 219,488 268,539 482,22542 71 1,062 50,747 4,759 1,416 108,838 1,416 108,838 230,375 281,122 491,46343 72 1,062 52,453 5,040 1,416 110,254 1,416 110,254 241,709 294,162 500,97444 73 1,062 54,167 5,333 1,416 111,669 1,416 111,669 253,519 307,686 510,77145 74 1,062 55,888 5,640 1,416 113,085 1,416 113,085 265,805 321,693 520,861

46 75 1,062 57,614 5,963 1,416 114,501 1,416 114,501 278,592 336,206 531,25447 76 1,062 59,344 6,297 1,416 115,917 1,416 115,917 291,885 351,229 541,95448 77 1,062 61,078 6,645 4,248 120,165 4,248 120,165 308,496 369,574 557,12349 78 1,062 62,814 7,054 2,282 122,446 2,282 122,446 323,807 386,621 569,77450 79 1,062 64,551 7,443 1,046 123,493 1,046 123,493 338,492 403,043 581,015

51 80 1,062 66,290 7,830 1,046 124,539 1,046 124,539 353,723 420,013 592,59252 81 1,062 67,993 8,224 1,046 125,585 1,046 125,585 369,464 437,457 604,60553 82 1,062 69,655 8,729 1,046 126,632 1,046 126,632 385,700 455,355 617,10254 83 1,062 71,292 9,249 1,046 127,678 1,046 127,678 402,479 473,771 630,05955 84 1,062 72,901 9,750 1,046 128,724 1,046 128,724 419,787 492,688 643,464

56 85 1,062 74,481 10,258 1,062 129,786 1,062 129,786 437,644 512,125 657,35257 86 1,062 76,070 10,790 1,062 130,848 1,062 130,848 455,962 532,032 671,44558 87 1,062 77,605 11,066 1,062 131,910 1,062 131,910 474,563 552,168 685,81459 88 1,062 79,097 11,497 1,062 132,972 1,062 132,972 493,426 572,523 700,45960 89 1,062 80,559 11,883 1,062 134,034 1,062 134,034 512,537 593,096 715,330

61 90 1,062 82,044 12,230 1,062 135,096 1,062 135,096 531,995 614,039 730,27562 91 1,062 83,698 12,433 1,062 136,158 1,062 136,158 552,050 635,748 744,75563 92 1,062 85,474 12,128 1,062 137,220 1,062 137,220 572,527 658,001 758,80264 93 1,062 87,358 11,965 1,062 138,282 1,062 138,282 593,257 680,615 772,47465 94 1,062 89,382 11,830 1,062 139,344 1,062 139,344 614,245 703,627 785,820

66 95 0 90,789 11,734 0 139,344 0 139,344 635,295 726,084 798,59467 96 0 92,340 11,380 0 139,344 0 139,344 657,158 749,498 810,75968 97 0 94,169 11,011 0 139,344 0 139,344 680,644 774,813 822,14269 98 0 96,641 10,469 0 139,344 0 139,344 707,841 804,482 832,12070 99 0 100,000 9,330 0 139,344 0 139,344 740,261 840,261 840,261

71 100 0 100,000 7,817 0 139,344 0 139,344 782,644 882,644 882,64472 101 0 100,000 42,383 0 139,344 0 139,344 827,167 927,167 927,16773 102 0 100,000 44,524 0 139,344 0 139,344 873,939 973,939 973,93974 103 0 100,000 46,772 0 139,344 0 139,344 923,073 1,023,073 1,023,07375 104 0 100,000 49,134 0 139,344 0 139,344 974,689 1,074,689 1,074,689

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76 105 0 100,000 51,615 0 139,344 0 139,344 1,028,910 1,128,910 1,128,91077 106 0 100,000 54,222 0 139,344 0 139,344 1,085,870 1,185,870 1,185,87078 107 0 100,000 56,960 0 139,344 0 139,344 1,145,707 1,245,707 1,245,70779 108 0 100,000 59,836 0 139,344 0 139,344 1,208,565 1,308,565 1,308,56580 109 0 100,000 62,858 0 139,344 0 139,344 1,274,597 1,374,597 1,374,597

81 110 0 100,000 66,033 0 139,344 0 139,344 1,343,965 1,443,965 1,443,96582 111 0 100,000 69,367 0 139,344 0 139,344 1,416,835 1,516,835 1,516,83583 112 0 100,000 72,870 0 139,344 0 139,344 1,493,385 1,593,385 1,593,38584 113 0 100,000 76,550 0 139,344 0 139,344 1,573,801 1,673,801 1,673,80185 114 0 100,000 80,416 0 139,344 0 139,344 1,658,278 1,758,278 1,758,278

86 115 0 100,000 84,477 0 139,344 0 139,344 1,747,021 1,847,021 1,847,02187 116 0 100,000 88,743 0 139,344 0 139,344 1,840,245 1,940,245 1,940,24588 117 0 100,000 93,225 0 139,344 0 139,344 1,938,178 2,038,178 2,038,17889 118 0 100,000 97,932 0 139,344 0 139,344 2,041,056 2,141,056 2,141,05690 119 0 100,000 102,878 0 139,344 0 139,344 2,149,129 2,249,129 2,249,129

91 120 0 100,000 108,073 0 139,344 0 139,344 2,262,660 2,362,660 2,362,660

THIS ILLUSTRATION IS BASED ON THE 2015 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEEDELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THEACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN DEPENDING ON FACTORS INCLUDING INVESTMENTEARNINGS, OVERHEAD COSTS, DEATH CLAIMS, LAPSES, TAXES, ETC.. SEE TABULAR DETAIL FOR GUARANTEED VALUES AND OTHERIMPORTANT INFORMATION.

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30 Year Old Female



(800) 441-6455

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Narrative Summary



















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$1,595.00$1,366.55$1,115.78$1,595.00$1,013.20

$904.23$1,595.00$1,138.44

$635.64$1,595.00




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 34 2,757 12,279 148,208 2,757 12,815 150,505 2,757 12,570 149,377

10 39 2,757 27,414 188,628 2,757 29,355 196,254 2,757 28,535 193,046

20 49 2,175 63,517 244,827 2,175 73,800 275,442 2,175 68,796 260,633

41 70 2,757 161,952 298,465 2,757 248,091 446,536 2,757 201,371 366,365

46 75 1,378 187,067 302,031 1,378 311,611 493,114 1,378 242,639 387,446

51 80 1,595 214,970 308,440 1,595 389,548 550,111 1,595 290,814 413,590

56 85 1,062 237,268 308,440 1,062 475,338 610,459 1,062 337,741 436,063

61 90 1,062 257,327 308,440 1,062 570,208 678,317 1,062 385,476 460,072







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1 30 2,757 1,705 110,339 2,757 1,705 110,339 2,757 1,705 110,3392 31 2,757 4,351 120,316 2,757 4,450 120,414 2,757 4,401 120,3653 32 2,757 6,904 129,945 2,757 7,129 130,658 2,757 7,016 130,3014 33 2,757 9,545 139,238 2,757 9,933 140,696 2,757 9,738 139,9655 34 2,757 12,279 148,208 2,757 12,815 150,505 2,757 12,570 149,377

6 35 2,757 15,102 156,867 2,757 15,829 159,923 2,757 15,514 158,5447 36 2,757 18,026 165,228 2,757 18,984 169,209 2,757 18,578 167,4918 37 2,757 21,048 173,301 2,757 22,282 178,349 2,757 21,764 176,2159 38 2,757 24,176 181,098 2,757 25,737 187,359 2,757 25,081 184,729

10 39 2,757 27,414 188,628 2,757 29,355 196,254 2,757 28,535 193,046

11 40 2,757 30,704 195,900 2,757 33,081 205,034 2,757 32,070 201,16912 41 2,757 34,106 202,924 2,757 36,982 213,709 2,757 35,747 209,10813 42 2,529 37,399 208,794 2,529 40,841 221,377 2,529 39,323 215,93414 43 2,278 40,552 213,495 2,278 44,627 228,017 2,278 42,792 221,57615 44 2,278 43,807 218,037 2,278 48,590 234,628 2,278 46,398 227,118

16 45 2,757 47,632 224,156 2,757 53,239 242,990 2,757 50,630 234,31817 46 2,757 51,576 230,070 2,757 58,134 251,420 2,757 55,041 241,44218 47 2,757 55,632 235,787 2,757 63,282 259,938 2,757 59,631 248,50419 48 2,757 59,804 241,315 2,757 68,693 268,558 2,757 64,406 255,51220 49 2,175 63,517 244,827 2,175 73,800 275,442 2,175 68,796 260,633

21 50 2,066 67,215 247,892 2,066 79,020 282,115 2,066 73,228 265,41322 51 2,066 71,004 250,859 2,066 84,471 288,853 2,066 77,814 270,16223 52 2,066 74,876 253,732 2,066 90,152 295,665 2,066 82,550 274,88724 53 2,757 79,511 258,430 2,757 96,763 304,488 2,757 88,124 281,51325 54 2,757 84,251 262,983 2,757 103,655 313,374 2,757 93,880 288,081

26 55 2,757 89,097 267,397 2,757 110,842 322,331 2,757 99,826 294,59627 56 2,300 93,594 270,525 2,300 117,876 330,220 2,300 105,509 299,91328 57 1,798 97,687 272,328 1,798 124,704 336,987 1,798 110,873 303,98429 58 1,798 101,849 274,079 1,798 131,814 343,901 1,798 116,397 308,08030 59 1,798 106,092 275,779 1,798 139,220 350,964 1,798 122,093 312,199

31 60 1,798 110,416 277,431 1,798 146,935 358,166 1,798 127,966 316,33732 61 2,757 115,760 281,130 2,757 155,925 367,621 2,757 134,965 322,59833 62 2,757 121,211 284,726 2,757 165,284 377,198 2,757 142,182 328,83934 63 2,757 126,774 288,223 2,757 175,037 386,902 2,757 149,626 335,06435 64 1,606 131,324 289,315 1,606 184,053 394,418 1,606 156,170 338,960

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36 65 1,497 135,844 290,165 1,497 193,327 401,888 1,497 162,799 342,67837 66 1,497 140,438 290,993 1,497 202,975 409,535 1,497 169,621 346,43838 67 1,497 145,101 291,799 1,497 213,013 417,371 1,497 176,639 350,24439 68 1,497 149,829 292,584 1,497 223,446 425,406 1,497 183,849 354,09840 69 2,757 155,848 295,562 2,757 235,534 435,873 2,757 192,493 360,224

41 70 2,757 161,952 298,465 2,757 248,091 446,536 2,757 201,371 366,36542 71 2,006 167,397 300,042 2,006 260,388 456,155 2,006 209,743 371,27443 72 1,378 172,276 300,557 1,378 272,514 464,989 1,378 217,694 375,20744 73 1,378 177,186 301,060 1,378 285,090 474,087 1,378 225,831 379,21345 74 1,378 182,115 301,551 1,378 298,116 483,460 1,378 234,143 383,292

46 75 1,378 187,067 302,031 1,378 311,611 493,114 1,378 242,639 387,44647 76 1,378 192,034 302,500 1,378 325,581 503,054 1,378 251,311 391,67548 77 1,378 197,014 302,959 1,378 340,036 513,284 1,378 260,161 395,98049 78 2,757 203,340 305,363 2,757 356,348 525,789 2,757 270,536 402,32650 79 2,757 209,703 307,716 2,757 373,234 538,597 2,757 281,135 408,726

51 80 1,595 214,970 308,440 1,595 389,548 550,111 1,595 290,814 413,59052 81 1,062 219,627 308,440 1,062 405,797 561,311 1,062 300,057 417,84753 82 1,062 224,163 308,440 1,062 422,469 572,961 1,062 309,349 422,23354 83 1,062 228,623 308,440 1,062 439,624 585,039 1,062 318,738 426,73455 84 1,062 232,993 308,440 1,062 457,246 597,534 1,062 328,204 431,343

56 85 1,062 237,268 308,440 1,062 475,338 610,459 1,062 337,741 436,06357 86 1,062 241,555 308,440 1,062 493,867 623,573 1,062 347,405 440,80258 87 1,062 245,668 308,440 1,062 512,611 636,945 1,062 356,986 445,58459 88 1,062 249,632 308,440 1,062 531,559 650,573 1,062 366,493 450,40760 89 1,062 253,472 308,440 1,062 550,711 664,411 1,062 375,941 455,253

61 90 1,062 257,327 308,440 1,062 570,208 678,317 1,062 385,476 460,07262 91 1,062 261,593 308,440 1,062 590,421 691,790 1,062 395,515 464,69363 92 1,062 266,112 308,440 1,062 611,142 704,859 1,062 405,874 469,13164 93 1,062 270,804 308,440 1,062 632,201 717,578 1,062 416,433 473,40765 94 1,062 275,690 308,440 1,062 653,639 729,990 1,062 427,220 477,540

66 95 0 280,030 308,440 0 674,496 741,855 0 437,390 481,41667 96 0 284,813 308,440 0 696,244 753,152 0 448,169 485,07268 97 0 290,455 308,440 0 719,756 763,722 0 460,166 488,46669 98 0 298,080 308,440 0 747,314 772,987 0 475,006 491,42070 99 0 308,440 308,440 0 780,546 780,546 0 493,813 493,813

71 100 0 308,440 308,440 0 819,914 819,914 0 506,257 506,25772 101 0 308,440 308,440 0 861,269 861,269 0 519,015 519,01573 102 0 308,440 308,440 0 904,713 904,713 0 532,095 532,09574 103 0 308,440 308,440 0 950,351 950,351 0 545,505 545,50575 104 0 308,440 308,440 0 998,294 998,294 0 559,254 559,254

76 105 0 308,440 308,440 0 1,048,658 1,048,658 0 573,350 573,35077 106 0 308,440 308,440 0 1,101,565 1,101,565 0 587,803 587,80378 107 0 308,440 308,440 0 1,157,144 1,157,144 0 602,620 602,62079 108 0 308,440 308,440 0 1,215,530 1,215,530 0 617,811 617,81180 109 0 308,440 308,440 0 1,276,864 1,276,864 0 633,385 633,385

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81 110 0 308,440 308,440 0 1,341,296 1,341,296 0 649,353 649,35382 111 0 308,440 308,440 0 1,408,981 1,408,981 0 665,725 665,72583 112 0 308,440 308,440 0 1,480,085 1,480,085 0 682,509 682,50984 113 0 308,440 308,440 0 1,554,779 1,554,779 0 699,717 699,71785 114 0 308,440 308,440 0 1,633,245 1,633,245 0 717,360 717,360

86 115 0 308,440 308,440 0 1,715,674 1,715,674 0 735,449 735,44987 116 0 308,440 308,440 0 1,802,266 1,802,266 0 753,994 753,99488 117 0 308,440 308,440 0 1,893,230 1,893,230 0 773,007 773,00789 118 0 308,440 308,440 0 1,988,788 1,988,788 0 792,501 792,50190 119 0 308,440 308,440 0 2,089,172 2,089,172 0 812,486 812,486

91 120 0 308,440 308,440 0 2,194,625 2,194,625 0 832,976 832,976

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Tabular Detail








1 30 2,757 1,705 110,339 2,757 1,705 110,3392 31 2,757 4,351 120,316 2,757 4,450 120,4143 32 2,757 6,904 129,945 2,757 7,129 130,6584 33 2,757 9,545 139,238 2,757 9,933 140,6965 34 2,757 12,279 148,208 2,757 12,815 150,505

6 35 2,757 15,102 156,867 2,757 15,829 159,9237 36 2,757 18,026 165,228 2,757 18,984 169,2098 37 2,757 21,048 173,301 2,757 22,282 178,3499 38 2,757 24,176 181,098 2,757 25,737 187,359

10 39 2,757 27,414 188,628 2,757 29,355 196,254

11 40 2,757 30,704 195,900 2,757 33,081 205,03412 41 2,757 34,106 202,924 2,757 36,982 213,70913 42 2,529 37,399 208,794 2,529 40,841 221,37714 43 2,278 40,552 213,495 2,278 44,627 228,01715 44 2,278 43,807 218,037 2,278 48,590 234,628

16 45 2,757 47,632 224,156 2,757 53,239 242,99017 46 2,757 51,576 230,070 2,757 58,134 251,42018 47 2,757 55,632 235,787 2,757 63,282 259,93819 48 2,757 59,804 241,315 2,757 68,693 268,55820 49 2,175 63,517 244,827 2,175 73,800 275,442

21 50 2,066 67,215 247,892 2,066 79,020 282,11522 51 2,066 71,004 250,859 2,066 84,471 288,85323 52 2,066 74,876 253,732 2,066 90,152 295,66524 53 2,757 79,511 258,430 2,757 96,763 304,48825 54 2,757 84,251 262,983 2,757 103,655 313,374

26 55 2,757 89,097 267,397 2,757 110,842 322,33127 56 2,300 93,594 270,525 2,300 117,876 330,22028 57 1,798 97,687 272,328 1,798 124,704 336,98729 58 1,798 101,849 274,079 1,798 131,814 343,90130 59 1,798 106,092 275,779 1,798 139,220 350,964

31 60 1,798 110,416 277,431 1,798 146,935 358,16632 61 2,757 115,760 281,130 2,757 155,925 367,62133 62 2,757 121,211 284,726 2,757 165,284 377,19834 63 2,757 126,774 288,223 2,757 175,037 386,90235 64 1,606 131,324 289,315 1,606 184,053 394,418

36 65 1,497 135,844 290,165 1,497 193,327 401,88837 66 1,497 140,438 290,993 1,497 202,975 409,53538 67 1,497 145,101 291,799 1,497 213,013 417,37139 68 1,497 149,829 292,584 1,497 223,446 425,40640 69 2,757 155,848 295,562 2,757 235,534 435,873

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Tabular Detail




41 70 2,757 161,952 298,465 2,757 248,091 446,53642 71 2,006 167,397 300,042 2,006 260,388 456,15543 72 1,378 172,276 300,557 1,378 272,514 464,98944 73 1,378 177,186 301,060 1,378 285,090 474,08745 74 1,378 182,115 301,551 1,378 298,116 483,460

46 75 1,378 187,067 302,031 1,378 311,611 493,11447 76 1,378 192,034 302,500 1,378 325,581 503,05448 77 1,378 197,014 302,959 1,378 340,036 513,28449 78 2,757 203,340 305,363 2,757 356,348 525,78950 79 2,757 209,703 307,716 2,757 373,234 538,597

51 80 1,595 214,970 308,440 1,595 389,548 550,11152 81 1,062 219,627 308,440 1,062 405,797 561,31153 82 1,062 224,163 308,440 1,062 422,469 572,96154 83 1,062 228,623 308,440 1,062 439,624 585,03955 84 1,062 232,993 308,440 1,062 457,246 597,534

56 85 1,062 237,268 308,440 1,062 475,338 610,45957 86 1,062 241,555 308,440 1,062 493,867 623,57358 87 1,062 245,668 308,440 1,062 512,611 636,94559 88 1,062 249,632 308,440 1,062 531,559 650,57360 89 1,062 253,472 308,440 1,062 550,711 664,411

61 90 1,062 257,327 308,440 1,062 570,208 678,31762 91 1,062 261,593 308,440 1,062 590,421 691,79063 92 1,062 266,112 308,440 1,062 611,142 704,85964 93 1,062 270,804 308,440 1,062 632,201 717,57865 94 1,062 275,690 308,440 1,062 653,639 729,990

66 95 0 280,030 308,440 0 674,496 741,85567 96 0 284,813 308,440 0 696,244 753,15268 97 0 290,455 308,440 0 719,756 763,72269 98 0 298,080 308,440 0 747,314 772,98770 99 0 308,440 308,440 0 780,546 780,546

71 100 0 308,440 308,440 0 819,914 819,91472 101 0 308,440 308,440 0 861,269 861,26973 102 0 308,440 308,440 0 904,713 904,71374 103 0 308,440 308,440 0 950,351 950,35175 104 0 308,440 308,440 0 998,294 998,294

76 105 0 308,440 308,440 0 1,048,658 1,048,65877 106 0 308,440 308,440 0 1,101,565 1,101,56578 107 0 308,440 308,440 0 1,157,144 1,157,14479 108 0 308,440 308,440 0 1,215,530 1,215,53080 109 0 308,440 308,440 0 1,276,864 1,276,864

81 110 0 308,440 308,440 0 1,341,296 1,341,29682 111 0 308,440 308,440 0 1,408,981 1,408,98183 112 0 308,440 308,440 0 1,480,085 1,480,08584 113 0 308,440 308,440 0 1,554,779 1,554,77985 114 0 308,440 308,440 0 1,633,245 1,633,245

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Tabular Detail




86 115 0 308,440 308,440 0 1,715,674 1,715,67487 116 0 308,440 308,440 0 1,802,266 1,802,26688 117 0 308,440 308,440 0 1,893,230 1,893,23089 118 0 308,440 308,440 0 1,988,788 1,988,78890 119 0 308,440 308,440 0 2,089,172 2,089,172

91 120 0 308,440 308,440 0 2,194,625 2,194,625





YearNet


Equiv. Lev.Dividend

10 9.94 4.05 0.6820 9.34 4.03 1.28

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Premium $6,372.50




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1 30 1,062 36 0 2,757 2,757 2,757 2,757 1,669 1,705 110,3392 31 1,062 954 98 2,757 5,514 2,757 5,514 3,496 4,450 120,4143 32 1,062 1,715 124 2,757 8,271 2,757 8,271 5,414 7,129 130,6584 33 1,062 2,501 154 2,757 11,028 2,757 11,028 7,432 9,933 140,6965 34 1,062 3,314 134 2,757 13,785 2,757 13,785 9,501 12,815 150,505

6 35 1,062 4,150 172 2,757 16,542 2,757 16,542 11,679 15,829 159,9237 36 1,062 5,016 205 2,757 19,299 2,757 19,299 13,968 18,984 169,2098 37 1,062 5,909 242 2,757 22,056 2,757 22,056 16,373 22,282 178,3499 38 1,062 6,833 283 2,757 24,813 2,757 24,813 18,904 25,737 187,359

10 39 1,062 7,790 324 2,757 27,570 2,757 27,570 21,565 29,355 196,254

11 40 1,062 8,719 368 2,757 30,327 2,757 30,327 24,362 33,081 205,03412 41 1,062 9,678 415 2,757 33,084 2,757 33,084 27,304 36,982 213,70913 42 1,062 10,669 465 2,529 35,613 2,529 35,613 30,172 40,841 221,37714 43 1,062 11,690 512 2,278 37,890 2,278 37,890 32,937 44,627 228,01715 44 1,062 12,743 566 2,278 40,168 2,278 40,168 35,847 48,590 234,628

16 45 1,062 13,826 657 2,757 42,925 2,757 42,925 39,413 53,239 242,99017 46 1,062 14,939 759 2,757 45,682 2,757 45,682 43,195 58,134 251,42018 47 1,062 16,079 867 2,757 48,439 2,757 48,439 47,203 63,282 259,93819 48 1,062 17,248 981 2,757 51,196 2,757 51,196 51,445 68,693 268,55820 49 1,062 18,444 1,096 2,175 53,371 2,175 53,371 55,356 73,800 275,442

21 50 1,062 19,666 1,183 2,066 55,438 2,066 55,438 59,354 79,020 282,11522 51 1,062 20,914 1,275 2,066 57,504 2,066 57,504 63,557 84,471 288,85323 52 1,062 22,186 1,374 2,066 59,570 2,066 59,570 67,966 90,152 295,66524 53 1,062 23,481 1,490 2,757 62,327 2,757 62,327 73,282 96,763 304,48825 54 1,062 24,800 1,610 2,757 65,084 2,757 65,084 78,855 103,655 313,374

26 55 1,062 26,142 1,741 2,757 67,841 2,757 67,841 84,700 110,842 322,33127 56 1,062 27,505 1,873 2,300 70,141 2,300 70,141 90,371 117,876 330,22028 57 1,062 28,890 2,005 1,798 71,939 1,798 71,939 95,814 124,704 336,98729 58 1,062 30,294 2,147 1,798 73,737 1,798 73,737 101,520 131,814 343,90130 59 1,062 31,723 2,287 1,798 75,534 1,798 75,534 107,497 139,220 350,964

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31 60 1,062 33,177 2,431 1,798 77,332 1,798 77,332 113,758 146,935 358,16632 61 1,062 34,655 2,602 2,757 80,089 2,757 80,089 121,270 155,925 367,62133 62 1,062 36,158 2,772 2,757 82,846 2,757 82,846 129,126 165,284 377,19834 63 1,062 37,688 2,959 2,757 85,603 2,757 85,603 137,349 175,037 386,90235 64 1,062 39,243 3,132 1,606 87,209 1,606 87,209 144,810 184,053 394,418

36 65 1,062 40,822 3,313 1,497 88,706 1,497 88,706 152,505 193,327 401,88837 66 1,062 42,426 3,503 1,497 90,203 1,497 90,203 160,549 202,975 409,53538 67 1,062 44,052 3,708 1,497 91,701 1,497 91,701 168,961 213,013 417,37139 68 1,062 45,699 3,920 1,497 93,198 1,497 93,198 177,747 223,446 425,40640 69 1,062 47,366 4,160 2,757 95,955 2,757 95,955 188,168 235,534 435,873

41 70 1,062 49,051 4,421 2,757 98,712 2,757 98,712 199,040 248,091 446,53642 71 1,062 50,747 4,692 2,006 100,718 2,006 100,718 209,641 260,388 456,15543 72 1,062 52,453 4,965 1,378 102,097 1,378 102,097 220,061 272,514 464,98944 73 1,062 54,167 5,250 1,378 103,475 1,378 103,475 230,923 285,090 474,08745 74 1,062 55,888 5,551 1,378 104,853 1,378 104,853 242,228 298,116 483,460

46 75 1,062 57,614 5,862 1,378 106,232 1,378 106,232 253,997 311,611 493,11447 76 1,062 59,344 6,185 1,378 107,610 1,378 107,610 266,237 325,581 503,05448 77 1,062 61,078 6,518 1,378 108,989 1,378 108,989 278,958 340,036 513,28449 78 1,062 62,814 6,888 2,757 111,746 2,757 111,746 293,534 356,348 525,78950 79 1,062 64,551 7,277 2,757 114,503 2,757 114,503 308,683 373,234 538,597

51 80 1,062 66,290 7,653 1,595 116,097 1,595 116,097 323,258 389,548 550,11152 81 1,062 67,993 8,119 815 116,912 815 116,912 337,546 405,539 560,95953 82 1,062 69,655 8,597 815 117,726 815 117,726 352,290 421,945 572,25754 83 1,062 71,292 9,058 815 118,541 815 118,541 367,531 438,823 583,98255 84 1,062 72,901 9,525 815 119,356 815 119,356 383,256 456,157 596,122

56 85 1,062 74,481 10,014 815 120,170 815 120,170 399,470 473,951 608,69057 86 1,062 76,070 10,269 1,062 121,232 1,062 121,232 416,358 492,428 621,76858 87 1,062 77,605 10,669 1,062 122,294 1,062 122,294 433,514 511,119 635,10259 88 1,062 79,097 11,027 1,062 123,356 1,062 123,356 450,917 530,014 648,69260 89 1,062 80,559 11,348 1,062 124,418 1,062 124,418 468,554 549,113 662,490

61 90 1,062 82,044 11,536 1,062 125,480 1,062 125,480 486,511 568,555 676,35862 91 1,062 83,698 11,253 1,062 126,542 1,062 126,542 505,013 588,711 689,79263 92 1,062 85,474 11,100 1,062 127,604 1,062 127,604 523,900 609,374 702,82564 93 1,062 87,358 10,974 1,062 128,666 1,062 128,666 543,018 630,376 715,50765 94 1,062 89,382 10,883 1,062 129,728 1,062 129,728 562,372 651,754 727,885

66 95 0 90,789 10,538 0 129,728 0 129,728 581,762 672,551 739,71567 96 0 92,340 10,195 0 129,728 0 129,728 601,895 694,235 750,97968 97 0 94,169 9,694 0 129,728 0 129,728 623,511 717,680 761,51969 98 0 96,641 8,638 0 129,728 0 129,728 648,517 745,158 770,75770 99 0 100,000 7,236 0 129,728 0 129,728 678,294 778,294 778,294

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71 100 0 100,000 39,254 0 129,728 0 129,728 717,548 817,548 817,54872 101 0 100,000 41,236 0 129,728 0 129,728 758,784 858,784 858,78473 102 0 100,000 43,319 0 129,728 0 129,728 802,103 902,103 902,10374 103 0 100,000 45,506 0 129,728 0 129,728 847,609 947,609 947,60975 104 0 100,000 47,804 0 129,728 0 129,728 895,413 995,413 995,413

76 105 0 100,000 50,218 0 129,728 0 129,728 945,631 1,045,631 1,045,63177 106 0 100,000 52,754 0 129,728 0 129,728 998,386 1,098,386 1,098,38678 107 0 100,000 55,418 0 129,728 0 129,728 1,053,804 1,153,804 1,153,80479 108 0 100,000 58,217 0 129,728 0 129,728 1,112,021 1,212,021 1,212,02180 109 0 100,000 61,157 0 129,728 0 129,728 1,173,178 1,273,178 1,273,178

81 110 0 100,000 64,246 0 129,728 0 129,728 1,237,424 1,337,424 1,337,42482 111 0 100,000 67,490 0 129,728 0 129,728 1,304,914 1,404,914 1,404,91483 112 0 100,000 70,898 0 129,728 0 129,728 1,375,812 1,475,812 1,475,81284 113 0 100,000 74,479 0 129,728 0 129,728 1,450,290 1,550,290 1,550,29085 114 0 100,000 78,240 0 129,728 0 129,728 1,528,530 1,628,530 1,628,530

86 115 0 100,000 82,191 0 129,728 0 129,728 1,610,721 1,710,721 1,710,72187 116 0 100,000 86,341 0 129,728 0 129,728 1,697,062 1,797,062 1,797,06288 117 0 100,000 90,702 0 129,728 0 129,728 1,787,764 1,887,764 1,887,76489 118 0 100,000 95,282 0 129,728 0 129,728 1,883,046 1,983,046 1,983,04690 119 0 100,000 100,094 0 129,728 0 129,728 1,983,140 2,083,140 2,083,140

91 120 0 100,000 105,149 0 129,728 0 129,728 2,088,288 2,188,288 2,188,288


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40 Year Old Female



(800) 441-6455

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Narrative Summary



















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$2,312.00$2,062.89$1,641.96$2,312.00$1,609.71$1,222.81$2,312.00$2,196.82

$718.16$2,312.00




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 44 3,928 17,655 148,336 3,928 18,468 150,743 3,928 18,109 149,656

10 49 3,928 39,283 189,068 3,928 42,539 198,249 3,928 41,001 193,965

20 59 2,839 86,363 242,726 2,839 104,176 282,259 2,839 95,069 262,099

31 70 2,334 143,256 273,078 2,334 202,494 374,338 2,334 170,817 320,279

36 75 1,823 172,256 284,389 1,823 262,989 423,112 1,823 213,503 347,557

41 80 3,928 200,760 292,352 3,928 333,266 475,407 3,928 259,515 373,635

46 85 1,516 223,488 293,310 1,516 409,987 529,625 1,516 303,960 395,399

51 90 1,516 243,492 293,310 1,516 494,167 589,475 1,516 348,608 417,610







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1 40 3,928 2,429 110,349 3,928 2,429 110,349 3,928 2,429 110,3492 41 3,928 6,212 120,344 3,928 6,360 120,492 3,928 6,286 120,4183 42 3,928 9,901 129,999 3,928 10,248 130,815 3,928 10,074 130,4074 43 3,928 13,714 139,325 3,928 14,264 140,927 3,928 14,013 140,1485 44 3,928 17,655 148,336 3,928 18,468 150,743 3,928 18,109 149,656

6 45 3,928 21,723 157,043 3,928 22,864 160,433 3,928 22,366 158,9447 46 3,928 25,921 165,458 3,928 27,461 170,007 3,928 26,788 168,0228 47 3,928 30,246 173,593 3,928 32,267 179,490 3,928 31,353 176,8849 48 3,928 34,701 181,459 3,928 37,291 188,898 3,928 36,090 185,506

10 49 3,928 39,283 189,068 3,928 42,539 198,249 3,928 41,001 193,965

11 50 3,928 43,893 196,431 3,928 47,919 207,557 3,928 45,990 202,27512 51 3,679 48,384 202,822 3,679 53,291 216,095 3,679 50,912 209,70713 52 3,258 52,573 207,806 3,258 58,474 223,420 3,258 55,585 215,82114 53 3,258 56,864 212,634 3,258 63,883 230,781 3,258 60,417 221,86615 54 3,258 61,254 217,313 3,258 69,559 238,225 3,258 65,428 227,869

16 55 3,928 66,401 223,595 3,928 76,183 247,583 3,928 71,285 235,61917 56 3,928 71,661 229,688 3,928 83,124 257,081 3,928 77,351 243,33218 57 3,928 77,036 235,600 3,928 90,394 266,727 3,928 83,630 251,01419 58 3,226 81,837 239,669 3,226 97,312 274,850 3,226 89,437 256,99720 59 2,839 86,363 242,726 2,839 104,176 282,259 2,839 95,069 262,099

21 60 2,839 90,980 245,696 2,839 111,326 289,817 2,839 100,877 267,21322 61 2,839 95,692 248,583 2,839 118,778 297,478 2,839 106,870 272,31623 62 2,839 100,498 251,390 2,839 126,536 305,247 2,839 113,049 277,41124 63 3,928 106,464 256,367 3,928 135,701 315,390 3,928 120,494 284,75525 64 3,928 112,553 261,208 3,928 145,245 325,628 3,928 128,173 292,053

26 65 3,813 118,652 265,694 3,813 155,070 335,741 3,813 135,976 299,08527 66 2,334 123,428 267,250 2,334 163,831 343,135 2,334 142,564 303,26428 67 2,334 128,280 268,765 2,334 172,946 350,684 2,334 149,342 307,47029 68 2,334 133,205 270,240 2,334 182,422 358,397 2,334 156,310 311,70730 69 2,334 138,200 271,677 2,334 192,268 366,277 2,334 163,469 315,975

31 70 2,334 143,256 273,078 2,334 202,494 374,338 2,334 170,817 320,27932 71 3,928 149,916 277,106 3,928 214,690 385,290 3,928 179,917 327,30433 72 3,928 156,654 281,035 3,928 227,343 396,439 3,928 189,246 334,33734 73 3,034 162,601 283,448 3,034 239,588 406,360 3,034 197,932 339,95335 74 1,823 167,417 283,924 1,823 251,081 414,612 1,823 205,633 343,721

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36 75 1,823 172,256 284,389 1,823 262,989 423,112 1,823 213,503 347,55737 76 1,823 177,110 284,844 1,823 275,314 431,864 1,823 221,538 351,46438 77 1,823 181,977 285,289 1,823 288,068 440,872 1,823 229,737 355,43939 78 1,823 186,853 285,724 1,823 301,259 450,140 1,823 238,099 359,48340 79 3,928 193,783 289,073 3,928 316,991 462,639 3,928 248,694 366,540

41 80 3,928 200,760 292,352 3,928 333,266 475,407 3,928 259,515 373,63542 81 2,235 206,040 293,310 2,235 348,348 486,245 2,235 268,814 378,53243 82 1,516 210,522 293,310 1,516 363,125 496,527 1,516 277,478 382,59244 83 1,516 214,928 293,310 1,516 378,328 507,189 1,516 286,231 386,76045 84 1,516 219,254 293,310 1,516 393,949 518,218 1,516 295,062 391,029

46 85 1,516 223,488 293,310 1,516 409,987 529,625 1,516 303,960 395,39947 86 1,516 227,740 293,310 1,516 426,417 541,199 1,516 312,982 399,78748 87 1,516 231,827 293,310 1,516 443,039 552,997 1,516 321,931 404,21349 88 1,516 235,779 293,310 1,516 459,851 565,019 1,516 330,822 408,67550 89 1,516 239,619 293,310 1,516 476,849 577,220 1,516 339,666 413,157

51 90 1,516 243,492 293,310 1,516 494,167 589,475 1,516 348,608 417,61052 91 1,516 247,786 293,310 1,516 512,132 601,339 1,516 358,035 421,87653 92 1,516 252,356 293,310 1,516 530,570 612,836 1,516 367,785 425,96854 93 1,516 257,135 293,310 1,516 549,340 624,010 1,516 377,758 429,90455 94 1,516 262,166 293,310 1,516 568,498 634,895 1,516 388,001 433,698

56 95 0 266,293 293,310 0 586,632 645,217 0 397,235 437,22057 96 0 270,842 293,310 0 605,540 655,035 0 407,022 440,53758 97 0 276,207 293,310 0 625,983 664,221 0 417,915 443,61859 98 0 283,458 293,310 0 649,943 672,272 0 431,391 446,29860 99 0 293,310 293,310 0 678,839 678,839 0 448,469 448,469

61 100 0 293,310 293,310 0 713,070 713,070 0 459,768 459,76862 101 0 293,310 293,310 0 749,030 749,030 0 471,352 471,35263 102 0 293,310 293,310 0 786,807 786,807 0 483,228 483,22864 103 0 293,310 293,310 0 826,490 826,490 0 495,405 495,40565 104 0 293,310 293,310 0 868,178 868,178 0 507,889 507,889

66 105 0 293,310 293,310 0 911,971 911,971 0 520,688 520,68867 106 0 293,310 293,310 0 957,976 957,976 0 533,810 533,81068 107 0 293,310 293,310 0 1,006,303 1,006,303 0 547,264 547,26469 108 0 293,310 293,310 0 1,057,072 1,057,072 0 561,058 561,05870 109 0 293,310 293,310 0 1,110,404 1,110,404 0 575,199 575,199

71 110 0 293,310 293,310 0 1,166,429 1,166,429 0 589,698 589,69872 111 0 293,310 293,310 0 1,225,284 1,225,284 0 604,563 604,56373 112 0 293,310 293,310 0 1,287,111 1,287,111 0 619,803 619,80374 113 0 293,310 293,310 0 1,352,060 1,352,060 0 635,428 635,42875 114 0 293,310 293,310 0 1,420,289 1,420,289 0 651,448 651,448

76 115 0 293,310 293,310 0 1,491,963 1,491,963 0 667,872 667,87277 116 0 293,310 293,310 0 1,567,257 1,567,257 0 684,711 684,71178 117 0 293,310 293,310 0 1,646,354 1,646,354 0 701,975 701,97579 118 0 293,310 293,310 0 1,729,445 1,729,445 0 719,674 719,67480 119 0 293,310 293,310 0 1,816,732 1,816,732 0 737,821 737,821

81 120 0 293,310 293,310 0 1,908,427 1,908,427 0 756,426 756,426

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Tabular Detail








1 40 3,928 2,429 110,349 3,928 2,429 110,3492 41 3,928 6,212 120,344 3,928 6,360 120,4923 42 3,928 9,901 129,999 3,928 10,248 130,8154 43 3,928 13,714 139,325 3,928 14,264 140,9275 44 3,928 17,655 148,336 3,928 18,468 150,743

6 45 3,928 21,723 157,043 3,928 22,864 160,4337 46 3,928 25,921 165,458 3,928 27,461 170,0078 47 3,928 30,246 173,593 3,928 32,267 179,4909 48 3,928 34,701 181,459 3,928 37,291 188,898

10 49 3,928 39,283 189,068 3,928 42,539 198,249

11 50 3,928 43,893 196,431 3,928 47,919 207,55712 51 3,679 48,384 202,822 3,679 53,291 216,09513 52 3,258 52,573 207,806 3,258 58,474 223,42014 53 3,258 56,864 212,634 3,258 63,883 230,78115 54 3,258 61,254 217,313 3,258 69,559 238,225

16 55 3,928 66,401 223,595 3,928 76,183 247,58317 56 3,928 71,661 229,688 3,928 83,124 257,08118 57 3,928 77,036 235,600 3,928 90,394 266,72719 58 3,226 81,837 239,669 3,226 97,312 274,85020 59 2,839 86,363 242,726 2,839 104,176 282,259

21 60 2,839 90,980 245,696 2,839 111,326 289,81722 61 2,839 95,692 248,583 2,839 118,778 297,47823 62 2,839 100,498 251,390 2,839 126,536 305,24724 63 3,928 106,464 256,367 3,928 135,701 315,39025 64 3,928 112,553 261,208 3,928 145,245 325,628

26 65 3,813 118,652 265,694 3,813 155,070 335,74127 66 2,334 123,428 267,250 2,334 163,831 343,13528 67 2,334 128,280 268,765 2,334 172,946 350,68429 68 2,334 133,205 270,240 2,334 182,422 358,39730 69 2,334 138,200 271,677 2,334 192,268 366,277

31 70 2,334 143,256 273,078 2,334 202,494 374,33832 71 3,928 149,916 277,106 3,928 214,690 385,29033 72 3,928 156,654 281,035 3,928 227,343 396,43934 73 3,034 162,601 283,448 3,034 239,588 406,36035 74 1,823 167,417 283,924 1,823 251,081 414,612

36 75 1,823 172,256 284,389 1,823 262,989 423,11237 76 1,823 177,110 284,844 1,823 275,314 431,86438 77 1,823 181,977 285,289 1,823 288,068 440,87239 78 1,823 186,853 285,724 1,823 301,259 450,14040 79 3,928 193,783 289,073 3,928 316,991 462,639

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Tabular Detail




41 80 3,928 200,760 292,352 3,928 333,266 475,40742 81 2,235 206,040 293,310 2,235 348,348 486,24543 82 1,516 210,522 293,310 1,516 363,125 496,52744 83 1,516 214,928 293,310 1,516 378,328 507,18945 84 1,516 219,254 293,310 1,516 393,949 518,218

46 85 1,516 223,488 293,310 1,516 409,987 529,62547 86 1,516 227,740 293,310 1,516 426,417 541,19948 87 1,516 231,827 293,310 1,516 443,039 552,99749 88 1,516 235,779 293,310 1,516 459,851 565,01950 89 1,516 239,619 293,310 1,516 476,849 577,220

51 90 1,516 243,492 293,310 1,516 494,167 589,47552 91 1,516 247,786 293,310 1,516 512,132 601,33953 92 1,516 252,356 293,310 1,516 530,570 612,83654 93 1,516 257,135 293,310 1,516 549,340 624,01055 94 1,516 262,166 293,310 1,516 568,498 634,895

56 95 0 266,293 293,310 0 586,632 645,21757 96 0 270,842 293,310 0 605,540 655,03558 97 0 276,207 293,310 0 625,983 664,22159 98 0 283,458 293,310 0 649,943 672,27260 99 0 293,310 293,310 0 678,839 678,839

61 100 0 293,310 293,310 0 713,070 713,07062 101 0 293,310 293,310 0 749,030 749,03063 102 0 293,310 293,310 0 786,807 786,80764 103 0 293,310 293,310 0 826,490 826,49065 104 0 293,310 293,310 0 868,178 868,178

66 105 0 293,310 293,310 0 911,971 911,97167 106 0 293,310 293,310 0 957,976 957,97668 107 0 293,310 293,310 0 1,006,303 1,006,30369 108 0 293,310 293,310 0 1,057,072 1,057,07270 109 0 293,310 293,310 0 1,110,404 1,110,404

71 110 0 293,310 293,310 0 1,166,429 1,166,42972 111 0 293,310 293,310 0 1,225,284 1,225,28473 112 0 293,310 293,310 0 1,287,111 1,287,11174 113 0 293,310 293,310 0 1,352,060 1,352,06075 114 0 293,310 293,310 0 1,420,289 1,420,289

76 115 0 293,310 293,310 0 1,491,963 1,491,96377 116 0 293,310 293,310 0 1,567,257 1,567,25778 117 0 293,310 293,310 0 1,646,354 1,646,35479 118 0 293,310 293,310 0 1,729,445 1,729,44580 119 0 293,310 293,310 0 1,816,732 1,816,732

81 120 0 293,310 293,310 0 1,908,427 1,908,427




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Tabular Detail



YearNet


Equiv. Lev.Dividend

10 14.04 5.29 1.1220 12.86 5.38 2.30

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Premium $6,372.50




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1 40 1,516 56 0 3,928 3,928 3,928 3,928 2,373 2,429 110,3492 41 1,516 1,384 148 3,928 7,856 3,928 7,856 4,976 6,360 120,4923 42 1,516 2,531 193 3,928 11,784 3,928 11,784 7,717 10,248 130,8154 43 1,516 3,714 191 3,928 15,712 3,928 15,712 10,550 14,264 140,9275 44 1,516 4,934 244 3,928 19,640 3,928 19,640 13,534 18,468 150,743

6 45 1,516 6,191 299 3,928 23,568 3,928 23,568 16,673 22,864 160,4337 46 1,516 7,483 361 3,928 27,496 3,928 27,496 19,978 27,461 170,0078 47 1,516 8,809 428 3,928 31,424 3,928 31,424 23,458 32,267 179,4909 48 1,516 10,170 501 3,928 35,352 3,928 35,352 27,121 37,291 188,898

10 49 1,516 11,563 579 3,928 39,280 3,928 39,280 30,976 42,539 198,249

11 50 1,516 12,889 663 3,928 43,208 3,928 43,208 35,030 47,919 207,55712 51 1,516 14,244 748 3,679 46,887 3,679 46,887 39,047 53,291 216,09513 52 1,516 15,624 836 3,258 50,145 3,258 50,145 42,850 58,474 223,42014 53 1,516 17,030 930 3,258 53,403 3,258 53,403 46,853 63,883 230,78115 54 1,516 18,462 1,066 3,258 56,661 3,258 56,661 51,097 69,559 238,225

16 55 1,516 19,919 1,220 3,928 60,589 3,928 60,589 56,264 76,183 247,58317 56 1,516 21,399 1,382 3,928 64,517 3,928 64,517 61,725 83,124 257,08118 57 1,516 22,902 1,550 3,928 68,445 3,928 68,445 67,492 90,394 266,72719 58 1,516 24,426 1,721 3,226 71,670 3,226 71,670 72,886 97,312 274,85020 59 1,516 25,978 1,886 2,839 74,509 2,839 74,509 78,198 104,176 282,259

21 60 1,516 27,556 2,016 2,839 77,348 2,839 77,348 83,770 111,326 289,81722 61 1,516 29,161 2,158 2,839 80,187 2,839 80,187 89,617 118,778 297,47823 62 1,516 30,794 2,300 2,839 83,026 2,839 83,026 95,742 126,536 305,24724 63 1,516 32,455 2,471 3,928 86,954 3,928 86,954 103,246 135,701 315,39025 64 1,516 34,143 2,647 3,928 90,882 3,928 90,882 111,102 145,245 325,628

26 65 1,516 35,858 2,832 3,813 94,695 3,813 94,695 119,212 155,070 335,74127 66 1,516 37,600 3,002 2,334 97,029 2,334 97,029 126,231 163,831 343,13528 67 1,516 39,366 3,186 2,334 99,363 2,334 99,363 133,580 172,946 350,68429 68 1,516 41,156 3,377 2,334 101,697 2,334 101,697 141,266 182,422 358,39730 69 1,516 42,967 3,575 2,334 104,031 2,334 104,031 149,301 192,268 366,277

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31 70 1,516 44,797 3,790 2,334 106,365 2,334 106,365 157,697 202,494 374,33832 71 1,516 46,640 4,051 3,928 110,293 3,928 110,293 168,050 214,690 385,29033 72 1,516 48,495 4,323 3,928 114,221 3,928 114,221 178,848 227,343 396,43934 73 1,516 50,358 4,595 3,034 117,255 3,034 117,255 189,230 239,588 406,36035 74 1,516 52,229 4,861 1,823 119,078 1,823 119,078 198,852 251,081 414,612

36 75 1,516 54,107 5,135 1,823 120,901 1,823 120,901 208,882 262,989 423,11237 76 1,516 55,989 5,419 1,823 122,723 1,823 122,723 219,325 275,314 431,86438 77 1,516 57,876 5,712 1,823 124,546 1,823 124,546 230,192 288,068 440,87239 78 1,516 59,766 6,016 1,823 126,369 1,823 126,369 241,493 301,259 450,14040 79 1,516 61,659 6,374 3,928 130,297 3,928 130,297 255,332 316,991 462,639

41 80 1,516 63,555 6,741 3,928 134,225 3,928 134,225 269,711 333,266 475,40742 81 1,516 65,413 7,170 2,235 136,460 2,235 136,460 282,935 348,348 486,24543 82 1,516 67,229 7,592 1,271 137,731 1,271 137,731 295,641 362,870 496,18544 83 1,516 69,018 7,999 1,271 139,002 1,271 139,002 308,790 377,808 506,50445 84 1,516 70,782 8,411 1,271 140,273 1,271 140,273 322,373 393,155 517,189

46 85 1,516 72,517 8,841 1,271 141,543 1,271 141,543 336,391 408,908 528,25047 86 1,516 74,267 9,061 1,271 142,814 1,271 142,814 350,776 425,043 539,47648 87 1,516 75,963 9,410 1,516 144,330 1,516 144,330 365,652 441,615 551,23949 88 1,516 77,622 9,724 1,516 145,846 1,516 145,846 380,754 458,376 563,22350 89 1,516 79,257 10,003 1,516 147,362 1,516 147,362 396,067 475,324 575,387

51 90 1,516 80,932 10,162 1,516 148,878 1,516 148,878 411,658 492,590 587,60552 91 1,516 82,804 9,905 1,516 150,394 1,516 150,394 427,697 510,501 599,43253 92 1,516 84,830 9,762 1,516 151,910 1,516 151,910 444,054 528,884 610,89554 93 1,516 87,005 9,637 1,516 153,426 1,516 153,426 460,593 547,598 622,03555 94 1,516 89,382 9,538 1,516 154,942 1,516 154,942 477,317 566,699 632,886

56 95 0 90,789 9,156 0 154,942 0 154,942 493,986 584,775 643,17557 96 0 92,340 8,858 0 154,942 0 154,942 511,283 603,623 652,96258 97 0 94,169 8,422 0 154,942 0 154,942 529,832 624,001 662,11859 98 0 96,641 7,504 0 154,942 0 154,942 551,245 647,886 670,14460 99 0 100,000 6,285 0 154,942 0 154,942 576,690 676,690 676,690

61 100 0 100,000 34,123 0 154,942 0 154,942 610,813 710,813 710,81362 101 0 100,000 35,846 0 154,942 0 154,942 646,659 746,659 746,65963 102 0 100,000 37,656 0 154,942 0 154,942 684,315 784,315 784,31564 103 0 100,000 39,558 0 154,942 0 154,942 723,873 823,873 823,87365 104 0 100,000 41,556 0 154,942 0 154,942 765,429 865,429 865,429

66 105 0 100,000 43,654 0 154,942 0 154,942 809,083 909,083 909,08367 106 0 100,000 45,859 0 154,942 0 154,942 854,942 954,942 954,94268 107 0 100,000 48,175 0 154,942 0 154,942 903,116 1,003,116 1,003,11669 108 0 100,000 50,607 0 154,942 0 154,942 953,723 1,053,723 1,053,72370 109 0 100,000 53,163 0 154,942 0 154,942 1,006,886 1,106,886 1,106,886

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71 110 0 100,000 55,848 0 154,942 0 154,942 1,062,734 1,162,734 1,162,73472 111 0 100,000 58,668 0 154,942 0 154,942 1,121,402 1,221,402 1,221,40273 112 0 100,000 61,631 0 154,942 0 154,942 1,183,033 1,283,033 1,283,03374 113 0 100,000 64,743 0 154,942 0 154,942 1,247,776 1,347,776 1,347,77675 114 0 100,000 68,013 0 154,942 0 154,942 1,315,789 1,415,789 1,415,789

76 115 0 100,000 71,447 0 154,942 0 154,942 1,387,236 1,487,236 1,487,23677 116 0 100,000 75,055 0 154,942 0 154,942 1,462,292 1,562,292 1,562,29278 117 0 100,000 78,846 0 154,942 0 154,942 1,541,138 1,641,138 1,641,13879 118 0 100,000 82,827 0 154,942 0 154,942 1,623,965 1,723,965 1,723,96580 119 0 100,000 87,010 0 154,942 0 154,942 1,710,975 1,810,975 1,810,975

81 120 0 100,000 91,404 0 154,942 0 154,942 1,802,379 1,902,379 1,902,379


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40 Year Old Male



(800) 441-6455

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Narrative Summary



















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$2,490.00$2,041.31$1,530.94$2,490.00$1,849.14

$927.35$2,490.00$2,048.56

$747.20$747.19




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 44 4,432 19,486 145,894 4,432 20,833 149,504 4,432 20,154 147,688

10 49 4,432 43,269 184,723 4,432 48,098 197,109 4,432 45,635 190,802

20 59 2,869 93,402 233,167 2,869 115,935 278,153 2,869 104,150 254,655

31 70 2,689 151,373 259,132 2,689 222,541 369,215 2,689 183,956 309,608

36 75 1,942 180,412 270,139 1,942 287,946 420,304 1,942 228,530 337,425

41 80 1,942 201,950 270,929 1,942 357,161 469,395 1,942 269,622 357,564

46 85 1,842 226,853 279,125 1,842 442,802 536,639 1,842 318,313 388,295

51 90 1,842 241,852 279,125 1,842 528,290 603,750 1,842 359,487 412,540







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1 40 4,432 2,613 109,817 4,432 2,613 109,817 4,432 2,613 109,8172 41 4,432 6,847 119,302 4,432 7,105 119,560 4,432 6,976 119,4313 42 4,432 10,931 128,468 4,432 11,511 129,741 4,432 11,220 129,1044 43 4,432 15,144 137,328 4,432 16,069 139,740 4,432 15,604 138,5305 44 4,432 19,486 145,894 4,432 20,833 149,504 4,432 20,154 147,688

6 45 4,432 23,958 154,178 4,432 25,810 159,174 4,432 24,875 156,6547 46 4,432 28,563 162,193 4,432 31,014 168,764 4,432 29,773 165,4428 47 4,432 33,306 169,949 4,432 36,451 178,286 4,432 34,855 174,0619 48 4,432 38,207 177,456 4,432 42,142 187,737 4,432 40,140 182,514

10 49 4,432 43,269 184,723 4,432 48,098 197,109 4,432 45,635 190,802

11 50 4,432 48,291 191,758 4,432 54,127 206,414 4,432 51,144 198,93212 51 3,983 53,022 197,389 3,983 59,982 214,476 3,983 56,415 205,73213 52 3,473 57,378 201,542 3,473 65,592 221,226 3,473 61,372 211,12814 53 3,473 61,841 205,564 3,473 71,445 228,016 3,473 66,498 216,46815 54 3,473 66,401 209,462 3,473 77,587 234,900 3,473 71,811 221,782

16 55 4,432 71,988 215,462 4,432 84,970 244,189 4,432 78,249 229,33717 56 4,432 77,693 221,282 4,432 92,702 253,618 4,432 84,913 236,85818 57 4,432 83,513 226,929 4,432 100,793 263,199 4,432 91,802 244,35219 58 3,791 88,849 231,055 3,791 108,637 271,556 3,791 98,315 250,45620 59 2,869 93,402 233,167 2,869 115,935 278,153 2,869 104,150 254,655

21 60 2,869 98,087 235,219 2,869 123,585 284,901 2,869 110,212 258,88022 61 2,869 102,835 237,213 2,869 131,540 291,786 2,869 116,441 263,12123 62 2,869 107,625 239,152 2,869 139,793 298,839 2,869 122,821 267,39324 63 4,432 113,970 243,908 4,432 149,901 308,975 4,432 130,884 274,58725 64 4,432 120,388 248,538 4,432 160,396 319,284 4,432 139,154 281,774

26 65 3,991 126,449 252,280 3,991 170,852 328,998 3,991 147,199 288,18727 66 2,689 131,316 253,719 2,689 180,421 336,666 2,689 154,174 292,39128 67 2,689 136,242 255,122 2,689 190,361 344,523 2,689 161,333 296,63729 68 2,689 141,222 256,491 2,689 200,684 352,569 2,689 168,678 300,92330 69 2,689 146,272 257,827 2,689 211,409 360,796 2,689 176,222 305,246

31 70 2,689 151,373 259,132 2,689 222,541 369,215 2,689 183,956 309,60832 71 2,689 156,515 260,407 2,689 234,082 377,843 2,689 191,872 314,01833 72 4,432 163,327 264,214 4,432 247,725 389,323 4,432 201,626 321,07034 73 4,432 170,166 267,937 4,432 261,843 401,079 4,432 211,578 328,16635 74 3,309 175,949 270,001 3,309 275,340 411,504 3,309 220,637 333,712

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36 75 1,942 180,412 270,139 1,942 287,946 420,304 1,942 228,530 337,42537 76 1,942 184,850 270,274 1,942 300,966 429,395 1,942 236,554 341,22138 77 1,942 189,242 270,406 1,942 314,402 438,799 1,942 244,692 345,10739 78 1,942 193,554 270,536 1,942 328,235 448,557 1,942 252,914 349,09740 79 2,052 197,860 270,804 2,052 342,557 458,846 2,052 261,294 353,343

41 80 1,942 201,950 270,929 1,942 357,161 469,395 1,942 269,622 357,56442 81 4,432 208,303 274,113 4,432 374,588 483,483 4,432 280,398 364,99343 82 4,432 214,575 277,246 4,432 392,501 498,010 4,432 291,280 372,52444 83 3,419 219,795 279,125 3,419 409,909 511,744 3,419 301,280 378,93445 84 1,842 223,396 279,125 1,842 426,191 523,997 1,842 309,804 383,568

46 85 1,842 226,853 279,125 1,842 442,802 536,639 1,842 318,313 388,29547 86 1,842 230,151 279,125 1,842 459,601 549,568 1,842 326,740 393,07648 87 1,842 233,286 279,125 1,842 476,598 562,796 1,842 335,083 397,91149 88 1,842 236,266 279,125 1,842 493,724 576,264 1,842 343,318 402,77950 89 1,842 239,110 279,125 1,842 510,957 589,931 1,842 351,446 407,661

51 90 1,842 241,852 279,125 1,842 528,290 603,750 1,842 359,487 412,54052 91 1,842 244,624 279,125 1,842 545,758 617,520 1,842 367,540 417,34353 92 1,842 247,507 279,125 1,842 563,396 631,128 1,842 375,675 422,03454 93 1,842 250,621 279,125 1,842 581,306 644,474 1,842 384,008 426,57755 94 1,842 254,154 279,125 1,842 599,743 657,514 1,842 392,755 430,956

56 95 0 256,823 279,125 0 617,221 669,848 0 400,530 434,99557 96 0 260,069 279,125 0 635,840 681,636 0 409,094 438,81358 97 0 264,295 279,125 0 656,303 692,561 0 418,992 442,32059 98 0 270,213 279,125 0 679,868 702,000 0 431,196 445,32560 99 0 279,125 279,125 0 708,886 708,886 0 447,500 447,500

61 100 0 279,125 279,125 0 744,635 744,635 0 458,774 458,77462 101 0 279,125 279,125 0 782,189 782,189 0 470,333 470,33363 102 0 279,125 279,125 0 821,639 821,639 0 482,184 482,18464 103 0 279,125 279,125 0 863,082 863,082 0 494,334 494,33465 104 0 279,125 279,125 0 906,618 906,618 0 506,791 506,791

66 105 0 279,125 279,125 0 952,352 952,352 0 519,563 519,56367 106 0 279,125 279,125 0 1,000,396 1,000,396 0 532,657 532,65768 107 0 279,125 279,125 0 1,050,866 1,050,866 0 546,081 546,08169 108 0 279,125 279,125 0 1,103,885 1,103,885 0 559,845 559,84570 109 0 279,125 279,125 0 1,159,581 1,159,581 0 573,956 573,956

71 110 0 279,125 279,125 0 1,218,090 1,218,090 0 588,423 588,42372 111 0 279,125 279,125 0 1,279,553 1,279,553 0 603,256 603,25673 112 0 279,125 279,125 0 1,344,121 1,344,121 0 618,463 618,46374 113 0 279,125 279,125 0 1,411,949 1,411,949 0 634,054 634,05475 114 0 279,125 279,125 0 1,483,202 1,483,202 0 650,039 650,039

76 115 0 279,125 279,125 0 1,558,054 1,558,054 0 666,428 666,42877 116 0 279,125 279,125 0 1,636,686 1,636,686 0 683,230 683,23078 117 0 279,125 279,125 0 1,719,288 1,719,288 0 700,456 700,45679 118 0 279,125 279,125 0 1,806,062 1,806,062 0 718,118 718,11880 119 0 279,125 279,125 0 1,897,218 1,897,218 0 736,225 736,225

81 120 0 279,125 279,125 0 1,992,978 1,992,978 0 754,790 754,790

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Tabular Detail








1 40 4,432 2,613 109,817 4,432 2,613 109,8172 41 4,432 6,847 119,302 4,432 7,105 119,5603 42 4,432 10,931 128,468 4,432 11,511 129,7414 43 4,432 15,144 137,328 4,432 16,069 139,7405 44 4,432 19,486 145,894 4,432 20,833 149,504

6 45 4,432 23,958 154,178 4,432 25,810 159,1747 46 4,432 28,563 162,193 4,432 31,014 168,7648 47 4,432 33,306 169,949 4,432 36,451 178,2869 48 4,432 38,207 177,456 4,432 42,142 187,737

10 49 4,432 43,269 184,723 4,432 48,098 197,109

11 50 4,432 48,291 191,758 4,432 54,127 206,41412 51 3,983 53,022 197,389 3,983 59,982 214,47613 52 3,473 57,378 201,542 3,473 65,592 221,22614 53 3,473 61,841 205,564 3,473 71,445 228,01615 54 3,473 66,401 209,462 3,473 77,587 234,900

16 55 4,432 71,988 215,462 4,432 84,970 244,18917 56 4,432 77,693 221,282 4,432 92,702 253,61818 57 4,432 83,513 226,929 4,432 100,793 263,19919 58 3,791 88,849 231,055 3,791 108,637 271,55620 59 2,869 93,402 233,167 2,869 115,935 278,153

21 60 2,869 98,087 235,219 2,869 123,585 284,90122 61 2,869 102,835 237,213 2,869 131,540 291,78623 62 2,869 107,625 239,152 2,869 139,793 298,83924 63 4,432 113,970 243,908 4,432 149,901 308,97525 64 4,432 120,388 248,538 4,432 160,396 319,284

26 65 3,991 126,449 252,280 3,991 170,852 328,99827 66 2,689 131,316 253,719 2,689 180,421 336,66628 67 2,689 136,242 255,122 2,689 190,361 344,52329 68 2,689 141,222 256,491 2,689 200,684 352,56930 69 2,689 146,272 257,827 2,689 211,409 360,796

31 70 2,689 151,373 259,132 2,689 222,541 369,21532 71 2,689 156,515 260,407 2,689 234,082 377,84333 72 4,432 163,327 264,214 4,432 247,725 389,32334 73 4,432 170,166 267,937 4,432 261,843 401,07935 74 3,309 175,949 270,001 3,309 275,340 411,504

36 75 1,942 180,412 270,139 1,942 287,946 420,30437 76 1,942 184,850 270,274 1,942 300,966 429,39538 77 1,942 189,242 270,406 1,942 314,402 438,79939 78 1,942 193,554 270,536 1,942 328,235 448,55740 79 2,052 197,860 270,804 2,052 342,557 458,846

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Tabular Detail




41 80 1,942 201,950 270,929 1,942 357,161 469,39542 81 4,432 208,303 274,113 4,432 374,588 483,48343 82 4,432 214,575 277,246 4,432 392,501 498,01044 83 3,419 219,795 279,125 3,419 409,909 511,74445 84 1,842 223,396 279,125 1,842 426,191 523,997

46 85 1,842 226,853 279,125 1,842 442,802 536,63947 86 1,842 230,151 279,125 1,842 459,601 549,56848 87 1,842 233,286 279,125 1,842 476,598 562,79649 88 1,842 236,266 279,125 1,842 493,724 576,26450 89 1,842 239,110 279,125 1,842 510,957 589,931

51 90 1,842 241,852 279,125 1,842 528,290 603,75052 91 1,842 244,624 279,125 1,842 545,758 617,52053 92 1,842 247,507 279,125 1,842 563,396 631,12854 93 1,842 250,621 279,125 1,842 581,306 644,47455 94 1,842 254,154 279,125 1,842 599,743 657,514

56 95 0 256,823 279,125 0 617,221 669,84857 96 0 260,069 279,125 0 635,840 681,63658 97 0 264,295 279,125 0 656,303 692,56159 98 0 270,213 279,125 0 679,868 702,00060 99 0 279,125 279,125 0 708,886 708,886

61 100 0 279,125 279,125 0 744,635 744,63562 101 0 279,125 279,125 0 782,189 782,18963 102 0 279,125 279,125 0 821,639 821,63964 103 0 279,125 279,125 0 863,082 863,08265 104 0 279,125 279,125 0 906,618 906,618

66 105 0 279,125 279,125 0 952,352 952,35267 106 0 279,125 279,125 0 1,000,396 1,000,39668 107 0 279,125 279,125 0 1,050,866 1,050,86669 108 0 279,125 279,125 0 1,103,885 1,103,88570 109 0 279,125 279,125 0 1,159,581 1,159,581

71 110 0 279,125 279,125 0 1,218,090 1,218,09072 111 0 279,125 279,125 0 1,279,553 1,279,55373 112 0 279,125 279,125 0 1,344,121 1,344,12174 113 0 279,125 279,125 0 1,411,949 1,411,94975 114 0 279,125 279,125 0 1,483,202 1,483,202

76 115 0 279,125 279,125 0 1,558,054 1,558,05477 116 0 279,125 279,125 0 1,636,686 1,636,68678 117 0 279,125 279,125 0 1,719,288 1,719,28879 118 0 279,125 279,125 0 1,806,062 1,806,06280 119 0 279,125 279,125 0 1,897,218 1,897,218

81 120 0 279,125 279,125 0 1,992,978 1,992,978




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Tabular Detail



YearNet


Equiv. Lev.Dividend

10 16.27 5.94 2.1520 14.95 6.29 3.47

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Premium $6,372.50




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1 40 1,842 66 0 4,432 4,432 4,432 4,432 2,547 2,613 109,8172 41 1,842 1,666 258 4,432 8,864 4,432 8,864 5,439 7,105 119,5603 42 1,842 3,025 313 4,432 13,296 4,432 13,296 8,486 11,511 129,7414 43 1,842 4,422 325 4,432 17,728 4,432 17,728 11,647 16,069 139,7405 44 1,842 5,855 391 4,432 22,160 4,432 22,160 14,978 20,833 149,504

6 45 1,842 7,325 460 4,432 26,592 4,432 26,592 18,485 25,810 159,1747 46 1,842 8,833 536 4,432 31,024 4,432 31,024 22,181 31,014 168,7648 47 1,842 10,381 613 4,432 35,456 4,432 35,456 26,070 36,451 178,2869 48 1,842 11,982 686 4,432 39,888 4,432 39,888 30,160 42,142 187,737

10 49 1,842 13,636 765 4,432 44,320 4,432 44,320 34,462 48,098 197,109

11 50 1,842 15,141 847 4,432 48,752 4,432 48,752 38,986 54,127 206,41412 51 1,842 16,686 934 3,983 52,735 3,983 52,735 43,296 59,982 214,47613 52 1,842 18,265 1,028 3,473 56,208 3,473 56,208 47,327 65,592 221,22614 53 1,842 19,876 1,127 3,473 59,681 3,473 59,681 51,569 71,445 228,01615 54 1,842 21,513 1,279 3,473 63,154 3,473 63,154 56,074 77,587 234,900

16 55 1,842 23,172 1,449 4,432 67,586 4,432 67,586 61,798 84,970 244,18917 56 1,842 24,852 1,631 4,432 72,018 4,432 72,018 67,850 92,702 253,61818 57 1,842 26,554 1,821 4,432 76,450 4,432 76,450 74,239 100,793 263,19919 58 1,842 28,290 1,994 3,791 80,241 3,791 80,241 80,347 108,637 271,55620 59 1,842 30,057 2,164 2,869 83,111 2,869 83,111 85,878 115,935 278,153

21 60 1,842 31,900 2,311 2,869 85,980 2,869 85,980 91,685 123,585 284,90122 61 1,842 33,761 2,480 2,869 88,849 2,869 88,849 97,779 131,540 291,78623 62 1,842 35,629 2,667 2,869 91,719 2,869 91,719 104,164 139,793 298,83924 63 1,842 37,500 2,893 4,432 96,151 4,432 96,151 112,401 149,901 308,97525 64 1,842 39,374 3,128 4,432 100,583 4,432 100,583 121,022 160,396 319,284

26 65 1,842 41,253 3,364 3,991 104,573 3,991 104,573 129,599 170,852 328,99827 66 1,842 43,143 3,580 2,689 107,262 2,689 107,262 137,278 180,421 336,66628 67 1,842 45,050 3,793 2,689 109,952 2,689 109,952 145,311 190,361 344,52329 68 1,842 46,974 4,017 2,689 112,641 2,689 112,641 153,710 200,684 352,56930 69 1,842 48,921 4,238 2,689 115,330 2,689 115,330 162,488 211,409 360,796

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31 70 1,842 50,883 4,481 2,689 118,019 2,689 118,019 171,658 222,541 369,21532 71 1,842 52,855 4,738 2,689 120,708 2,689 120,708 181,227 234,082 377,84333 72 1,842 54,809 5,080 4,432 125,140 4,432 125,140 192,916 247,725 389,32334 73 1,842 56,751 5,425 4,432 129,572 4,432 129,572 205,092 261,843 401,07935 74 1,842 58,686 5,753 3,309 132,882 3,309 132,882 216,654 275,340 411,504

36 75 1,842 60,610 6,075 1,942 134,824 1,942 134,824 227,336 287,946 420,30437 76 1,842 62,523 6,403 1,942 136,766 1,942 136,766 238,443 300,966 429,39538 77 1,842 64,416 6,763 1,942 138,708 1,942 138,708 249,986 314,402 438,79939 78 1,842 66,274 7,158 1,942 140,650 1,942 140,650 261,961 328,235 448,55740 79 1,842 68,083 7,588 2,052 142,702 2,052 142,702 274,474 342,557 458,846

41 80 1,842 69,844 8,026 1,942 144,644 1,942 144,644 287,317 357,161 469,39542 81 1,842 71,544 8,545 4,432 149,076 4,432 149,076 303,044 374,588 483,48343 82 1,842 73,195 9,060 4,432 153,508 4,432 153,508 319,306 392,501 498,01044 83 1,842 74,802 9,556 3,419 156,927 3,419 156,927 335,107 409,909 511,74445 84 1,842 76,361 9,991 1,288 158,215 1,288 158,215 349,256 425,617 523,300

46 85 1,842 77,864 10,433 1,288 159,503 1,288 159,503 363,770 441,634 535,23947 86 1,842 79,308 10,774 1,288 160,792 1,288 160,792 378,509 457,817 547,45748 87 1,842 80,693 11,147 1,288 162,080 1,288 162,080 393,488 474,181 559,96749 88 1,842 82,027 11,454 1,288 163,368 1,288 163,368 408,627 490,654 572,70950 89 1,842 83,325 11,726 1,288 164,656 1,288 164,656 423,889 507,214 585,640

51 90 1,842 84,611 11,967 1,842 166,498 1,842 166,498 439,818 524,429 599,36452 91 1,842 85,953 12,009 1,842 168,340 1,842 168,340 455,825 541,778 613,03853 92 1,842 87,410 11,965 1,842 170,182 1,842 170,182 471,887 559,297 626,55154 93 1,842 89,065 11,831 1,842 172,024 1,842 172,024 488,020 577,085 639,80455 94 1,842 91,054 11,661 1,842 173,866 1,842 173,866 504,346 595,400 652,752

56 95 0 92,010 11,099 0 173,866 0 173,866 520,740 612,750 664,99757 96 0 93,173 10,739 0 173,866 0 173,866 538,061 631,234 676,69958 97 0 94,687 10,058 0 173,866 0 173,866 556,862 651,549 687,54459 98 0 96,807 8,806 0 173,866 0 173,866 578,136 674,943 696,91460 99 0 100,000 6,546 0 173,866 0 173,866 603,750 703,750 703,750

61 100 0 100,000 35,489 0 173,866 0 173,866 639,240 739,240 739,24062 101 0 100,000 37,282 0 173,866 0 173,866 676,521 776,521 776,52163 102 0 100,000 39,164 0 173,866 0 173,866 715,686 815,686 815,68664 103 0 100,000 41,142 0 173,866 0 173,866 756,828 856,828 856,82865 104 0 100,000 43,220 0 173,866 0 173,866 800,048 900,048 900,048

66 105 0 100,000 45,402 0 173,866 0 173,866 845,450 945,450 945,45067 106 0 100,000 47,695 0 173,866 0 173,866 893,145 993,145 993,14568 107 0 100,000 50,104 0 173,866 0 173,866 943,249 1,043,249 1,043,24969 108 0 100,000 52,634 0 173,866 0 173,866 995,883 1,095,883 1,095,88370 109 0 100,000 55,292 0 173,866 0 173,866 1,051,175 1,151,175 1,151,175

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71 110 0 100,000 58,084 0 173,866 0 173,866 1,109,260 1,209,260 1,209,26072 111 0 100,000 61,018 0 173,866 0 173,866 1,170,277 1,270,277 1,270,27773 112 0 100,000 64,099 0 173,866 0 173,866 1,234,376 1,334,376 1,334,37674 113 0 100,000 67,336 0 173,866 0 173,866 1,301,712 1,401,712 1,401,71275 114 0 100,000 70,736 0 173,866 0 173,866 1,372,449 1,472,449 1,472,449

76 115 0 100,000 74,309 0 173,866 0 173,866 1,446,758 1,546,758 1,546,75877 116 0 100,000 78,061 0 173,866 0 173,866 1,524,819 1,624,819 1,624,81978 117 0 100,000 82,003 0 173,866 0 173,866 1,606,822 1,706,822 1,706,82279 118 0 100,000 86,145 0 173,866 0 173,866 1,692,967 1,792,967 1,792,96780 119 0 100,000 90,495 0 173,866 0 173,866 1,783,462 1,883,462 1,883,462

81 120 0 100,000 95,065 0 173,866 0 173,866 1,878,526 1,978,526 1,978,526


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50 Year Old Female



(800) 441-6455

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Narrative Summary



















Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$3,181.00$2,194.37$2,049.00$3,181.00$3,141.55$1,278.92$3,181.00$2,069.77

$405.71$3,181.00




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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 54 5,541 24,296 147,005 5,541 25,935 150,619 5,541 25,109 148,799

10 59 5,541 53,246 187,272 5,541 59,560 200,720 5,541 56,332 193,856

20 69 3,639 111,298 236,508 3,639 141,350 288,379 3,639 125,536 261,118

21 70 3,639 116,648 238,870 3,639 150,528 296,107 3,639 132,644 265,932

26 75 4,430 148,826 257,021 4,430 206,637 344,842 4,430 175,599 297,749

31 80 2,766 173,522 260,611 2,766 264,221 385,510 2,766 214,610 317,265

36 85 2,260 202,351 270,470 2,260 336,825 440,538 2,260 261,777 345,709

41 90 2,260 222,416 270,470 2,260 409,639 491,470 2,260 302,971 365,636







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1 50 5,541 3,309 110,015 5,541 3,309 110,015 5,541 3,309 110,0152 51 5,541 8,584 119,710 5,541 8,871 119,997 5,541 8,728 119,8543 52 5,541 13,683 129,098 5,541 14,350 130,333 5,541 14,016 129,7154 53 5,541 18,920 138,192 5,541 20,019 140,550 5,541 19,466 139,3665 54 5,541 24,296 147,005 5,541 25,935 150,619 5,541 25,109 148,799

6 55 5,541 29,812 155,550 5,541 32,110 160,652 5,541 30,948 158,0767 56 5,541 35,464 163,838 5,541 38,548 170,663 5,541 36,984 167,2078 57 5,541 41,253 171,881 5,541 45,261 180,669 5,541 43,224 176,2089 58 5,541 47,178 179,689 5,541 52,261 190,685 5,541 49,670 185,088

10 59 5,541 53,246 187,272 5,541 59,560 200,720 5,541 56,332 193,856

11 60 5,541 59,309 194,639 5,541 67,017 210,774 5,541 63,066 202,51512 61 4,554 64,547 199,646 4,554 73,813 218,690 4,554 69,049 208,91413 62 4,409 69,757 204,205 4,409 80,747 226,360 4,409 75,080 214,95314 63 4,409 75,079 208,639 4,409 88,011 234,143 4,409 81,323 220,97315 64 4,409 80,512 212,952 4,409 95,613 242,087 4,409 87,781 226,998

16 65 5,541 87,159 219,360 5,541 104,689 252,424 5,541 95,571 235,25017 66 5,541 93,944 225,598 5,541 114,176 262,909 5,541 103,623 243,47318 67 5,502 100,825 231,599 5,502 124,050 273,478 5,502 111,901 251,59919 68 3,639 106,021 234,085 3,639 132,515 280,827 3,639 118,615 256,33520 69 3,639 111,298 236,508 3,639 141,350 288,379 3,639 125,536 261,118

21 70 3,639 116,648 238,870 3,639 150,528 296,107 3,639 132,644 265,93222 71 3,639 122,062 241,173 3,639 160,061 304,000 3,639 139,937 270,77023 72 3,639 127,529 243,419 3,639 169,947 312,069 3,639 147,407 275,63724 73 5,541 134,901 248,636 5,541 182,086 323,379 5,541 156,928 283,57825 74 5,541 142,359 253,730 5,541 194,676 334,868 5,541 166,686 291,511

26 75 4,430 148,826 257,021 4,430 206,637 344,842 4,430 175,599 297,74927 76 2,766 153,733 257,771 2,766 217,384 352,526 2,766 183,088 301,53128 77 2,766 158,657 258,504 2,766 228,505 360,430 2,766 190,732 305,37329 78 2,766 163,597 259,221 2,766 240,008 368,557 2,766 198,531 309,27530 79 2,766 168,553 259,923 2,766 251,913 376,917 2,766 206,492 313,239

31 80 2,766 173,522 260,611 2,766 264,221 385,510 2,766 214,610 317,26532 81 5,541 181,096 264,981 5,541 279,619 398,157 5,541 225,518 325,10233 82 5,541 188,621 269,266 5,541 295,461 411,148 5,541 236,562 333,00634 83 3,200 193,870 270,470 3,200 309,482 421,424 3,200 245,490 337,94935 84 2,260 198,150 270,470 2,260 322,971 430,818 2,260 253,600 341,782

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36 85 2,260 202,351 270,470 2,260 336,825 440,538 2,260 261,777 345,70937 86 2,260 206,576 270,470 2,260 351,019 450,397 2,260 270,074 349,65038 87 2,260 210,653 270,470 2,260 365,385 460,445 2,260 278,314 353,62439 88 2,260 214,613 270,470 2,260 379,923 470,678 2,260 286,512 357,62940 89 2,260 218,486 270,470 2,260 394,635 481,057 2,260 294,686 361,648

41 90 2,260 222,416 270,470 2,260 409,639 491,470 2,260 302,971 365,63642 91 2,260 226,790 270,470 2,260 425,227 501,532 2,260 311,730 369,44743 92 2,260 231,480 270,470 2,260 441,259 511,261 2,260 320,827 373,09244 93 2,260 236,441 270,470 2,260 457,634 520,689 2,260 330,194 376,58545 94 2,260 241,751 270,470 2,260 474,430 529,835 2,260 339,905 379,934

46 95 0 245,557 270,470 0 489,556 538,447 0 347,991 383,01947 96 0 249,752 270,470 0 505,327 546,631 0 356,562 385,92248 97 0 254,699 270,470 0 522,378 554,288 0 366,101 388,61749 98 0 261,385 270,470 0 542,365 560,998 0 377,903 390,96250 99 0 270,470 270,470 0 566,469 566,469 0 392,860 392,860

51 100 0 270,470 270,470 0 595,026 595,026 0 402,755 402,75552 101 0 270,470 270,470 0 625,025 625,025 0 412,900 412,90053 102 0 270,470 270,470 0 656,539 656,539 0 423,300 423,30054 103 0 270,470 270,470 0 689,644 689,644 0 433,964 433,96455 104 0 270,470 270,470 0 724,421 724,421 0 444,896 444,896

56 105 0 270,470 270,470 0 760,954 760,954 0 456,105 456,10557 106 0 270,470 270,470 0 799,332 799,332 0 467,597 467,59758 107 0 270,470 270,470 0 839,649 839,649 0 479,379 479,37959 108 0 270,470 270,470 0 882,001 882,001 0 491,458 491,45860 109 0 270,470 270,470 0 926,492 926,492 0 503,842 503,842

61 110 0 270,470 270,470 0 973,230 973,230 0 516,539 516,53962 111 0 270,470 270,470 0 1,022,328 1,022,328 0 529,557 529,55763 112 0 270,470 270,470 0 1,073,905 1,073,905 0 542,903 542,90364 113 0 270,470 270,470 0 1,128,088 1,128,088 0 556,586 556,58665 114 0 270,470 270,470 0 1,185,006 1,185,006 0 570,615 570,615

66 115 0 270,470 270,470 0 1,244,799 1,244,799 0 584,998 584,99867 116 0 270,470 270,470 0 1,307,611 1,307,611 0 599,744 599,74468 117 0 270,470 270,470 0 1,373,595 1,373,595 0 614,863 614,86369 118 0 270,470 270,470 0 1,442,912 1,442,912 0 630,363 630,36370 119 0 270,470 270,470 0 1,515,729 1,515,729 0 646,255 646,255

71 120 0 270,470 270,470 0 1,592,223 1,592,223 0 662,548 662,548

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Tabular Detail








1 50 5,541 3,309 110,015 5,541 3,309 110,0152 51 5,541 8,584 119,710 5,541 8,871 119,9973 52 5,541 13,683 129,098 5,541 14,350 130,3334 53 5,541 18,920 138,192 5,541 20,019 140,5505 54 5,541 24,296 147,005 5,541 25,935 150,619

6 55 5,541 29,812 155,550 5,541 32,110 160,6527 56 5,541 35,464 163,838 5,541 38,548 170,6638 57 5,541 41,253 171,881 5,541 45,261 180,6699 58 5,541 47,178 179,689 5,541 52,261 190,685

10 59 5,541 53,246 187,272 5,541 59,560 200,720

11 60 5,541 59,309 194,639 5,541 67,017 210,77412 61 4,554 64,547 199,646 4,554 73,813 218,69013 62 4,409 69,757 204,205 4,409 80,747 226,36014 63 4,409 75,079 208,639 4,409 88,011 234,14315 64 4,409 80,512 212,952 4,409 95,613 242,087

16 65 5,541 87,159 219,360 5,541 104,689 252,42417 66 5,541 93,944 225,598 5,541 114,176 262,90918 67 5,502 100,825 231,599 5,502 124,050 273,47819 68 3,639 106,021 234,085 3,639 132,515 280,82720 69 3,639 111,298 236,508 3,639 141,350 288,379

21 70 3,639 116,648 238,870 3,639 150,528 296,10722 71 3,639 122,062 241,173 3,639 160,061 304,00023 72 3,639 127,529 243,419 3,639 169,947 312,06924 73 5,541 134,901 248,636 5,541 182,086 323,37925 74 5,541 142,359 253,730 5,541 194,676 334,868

26 75 4,430 148,826 257,021 4,430 206,637 344,84227 76 2,766 153,733 257,771 2,766 217,384 352,52628 77 2,766 158,657 258,504 2,766 228,505 360,43029 78 2,766 163,597 259,221 2,766 240,008 368,55730 79 2,766 168,553 259,923 2,766 251,913 376,917

31 80 2,766 173,522 260,611 2,766 264,221 385,51032 81 5,541 181,096 264,981 5,541 279,619 398,15733 82 5,541 188,621 269,266 5,541 295,461 411,14834 83 3,200 193,870 270,470 3,200 309,482 421,42435 84 2,260 198,150 270,470 2,260 322,971 430,818

36 85 2,260 202,351 270,470 2,260 336,825 440,53837 86 2,260 206,576 270,470 2,260 351,019 450,39738 87 2,260 210,653 270,470 2,260 365,385 460,44539 88 2,260 214,613 270,470 2,260 379,923 470,67840 89 2,260 218,486 270,470 2,260 394,635 481,057

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Tabular Detail




41 90 2,260 222,416 270,470 2,260 409,639 491,47042 91 2,260 226,790 270,470 2,260 425,227 501,53243 92 2,260 231,480 270,470 2,260 441,259 511,26144 93 2,260 236,441 270,470 2,260 457,634 520,68945 94 2,260 241,751 270,470 2,260 474,430 529,835

46 95 0 245,557 270,470 0 489,556 538,44747 96 0 249,752 270,470 0 505,327 546,63148 97 0 254,699 270,470 0 522,378 554,28849 98 0 261,385 270,470 0 542,365 560,99850 99 0 270,470 270,470 0 566,469 566,469

51 100 0 270,470 270,470 0 595,026 595,02652 101 0 270,470 270,470 0 625,025 625,02553 102 0 270,470 270,470 0 656,539 656,53954 103 0 270,470 270,470 0 689,644 689,64455 104 0 270,470 270,470 0 724,421 724,421

56 105 0 270,470 270,470 0 760,954 760,95457 106 0 270,470 270,470 0 799,332 799,33258 107 0 270,470 270,470 0 839,649 839,64959 108 0 270,470 270,470 0 882,001 882,00160 109 0 270,470 270,470 0 926,492 926,492

61 110 0 270,470 270,470 0 973,230 973,23062 111 0 270,470 270,470 0 1,022,328 1,022,32863 112 0 270,470 270,470 0 1,073,905 1,073,90564 113 0 270,470 270,470 0 1,128,088 1,128,08865 114 0 270,470 270,470 0 1,185,006 1,185,006

66 115 0 270,470 270,470 0 1,244,799 1,244,79967 116 0 270,470 270,470 0 1,307,611 1,307,61168 117 0 270,470 270,470 0 1,373,595 1,373,59569 118 0 270,470 270,470 0 1,442,912 1,442,91270 119 0 270,470 270,470 0 1,515,729 1,515,729

71 120 0 270,470 270,470 0 1,592,223 1,592,223





YearNet


Equiv. Lev.Dividend

10 20.04 7.68 2.5620 18.22 7.97 4.38

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Premium $6,372.50




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1 50 2,260 89 0 5,541 5,541 5,541 5,541 3,220 3,309 110,0152 51 2,260 2,040 287 5,541 11,082 5,541 11,082 6,831 8,871 119,9973 52 2,260 3,710 371 5,541 16,623 5,541 16,623 10,640 14,350 130,3334 53 2,260 5,413 411 5,541 22,164 5,541 22,164 14,606 20,019 140,5505 54 2,260 7,150 506 5,541 27,705 5,541 27,705 18,785 25,935 150,619

6 55 2,260 8,921 607 5,541 33,246 5,541 33,246 23,189 32,110 160,6527 56 2,260 10,723 716 5,541 38,787 5,541 38,787 27,825 38,548 170,6638 57 2,260 12,557 832 5,541 44,328 5,541 44,328 32,704 45,261 180,6699 58 2,260 14,422 956 5,541 49,869 5,541 49,869 37,839 52,261 190,685

10 59 2,260 16,323 1,082 5,541 55,410 5,541 55,410 43,237 59,560 200,720

11 60 2,260 18,111 1,212 5,541 60,951 5,541 60,951 48,906 67,017 210,77412 61 2,260 19,929 1,337 4,554 65,505 4,554 65,505 53,884 73,813 218,69013 62 2,260 21,778 1,463 4,409 69,914 4,409 69,914 58,969 80,747 226,36014 63 2,260 23,660 1,635 4,409 74,323 4,409 74,323 64,351 88,011 234,14315 64 2,260 25,573 1,812 4,409 78,732 4,409 78,732 70,040 95,613 242,087

16 65 2,260 27,517 2,016 5,541 84,273 5,541 84,273 77,172 104,689 252,42417 66 2,260 29,491 2,228 5,541 89,814 5,541 89,814 84,685 114,176 262,90918 67 2,260 31,492 2,454 5,502 95,316 5,502 95,316 92,558 124,050 273,47819 68 2,260 33,521 2,659 3,639 98,955 3,639 98,955 98,994 132,515 280,82720 69 2,260 35,574 2,871 3,639 102,594 3,639 102,594 105,776 141,350 288,379

21 70 2,260 37,649 3,062 3,639 106,233 3,639 106,233 112,879 150,528 296,10722 71 2,260 39,740 3,269 3,639 109,872 3,639 109,872 120,321 160,061 304,00023 72 2,260 41,843 3,486 3,639 113,511 3,639 113,511 128,104 169,947 312,06924 73 2,260 43,958 3,745 5,541 119,052 5,541 119,052 138,128 182,086 323,37925 74 2,260 46,081 4,019 5,541 124,593 5,541 124,593 148,595 194,676 334,868

26 75 2,260 48,213 4,285 4,430 129,022 4,430 129,022 158,424 206,637 344,84227 76 2,260 50,352 4,531 2,766 131,788 2,766 131,788 167,032 217,384 352,52628 77 2,260 52,496 4,787 2,766 134,554 2,766 134,554 176,009 228,505 360,43029 78 2,260 54,645 5,050 2,766 137,319 2,766 137,319 185,363 240,008 368,55730 79 2,260 56,799 5,328 2,766 140,085 2,766 140,085 195,114 251,913 376,917

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31 80 2,260 58,958 5,609 2,766 142,851 2,766 142,851 205,263 264,221 385,51032 81 2,260 61,077 6,022 5,541 148,392 5,541 148,392 218,542 279,619 398,15733 82 2,260 63,151 6,449 5,541 153,933 5,541 153,933 232,310 295,461 411,14834 83 2,260 65,199 6,821 3,200 157,132 3,200 157,132 244,283 309,482 421,42435 84 2,260 67,221 7,171 1,879 159,011 1,879 159,011 255,354 322,575 430,305

36 85 2,260 69,217 7,536 1,879 160,890 1,879 160,890 266,801 336,018 439,51037 86 2,260 71,236 7,717 1,879 162,769 1,879 162,769 278,551 349,787 448,85238 87 2,260 73,205 8,004 1,879 164,648 1,879 164,648 290,508 363,713 458,37939 88 2,260 75,143 8,259 1,879 166,526 1,879 166,526 302,653 377,796 468,08840 89 2,260 77,071 8,490 2,260 168,786 2,260 168,786 315,364 392,435 478,414

41 90 2,260 79,063 8,614 2,260 171,046 2,260 171,046 328,300 407,363 488,77242 91 2,260 81,301 8,381 2,260 173,306 2,260 173,306 341,573 422,874 498,78243 92 2,260 83,747 8,239 2,260 175,566 2,260 175,566 355,079 438,826 508,46144 93 2,260 86,412 8,110 2,260 177,826 2,260 177,826 368,709 455,121 517,83945 94 2,260 89,382 7,992 2,260 180,086 2,260 180,086 382,453 471,835 526,937

46 95 0 90,789 7,615 0 180,086 0 180,086 396,088 486,877 535,50147 96 0 92,340 7,367 0 180,086 0 180,086 410,222 502,562 543,64048 97 0 94,169 7,004 0 180,086 0 180,086 425,351 519,520 551,25549 98 0 96,641 6,239 0 180,086 0 180,086 442,756 539,397 557,92850 99 0 100,000 5,224 0 180,086 0 180,086 463,369 563,369 563,369

51 100 0 100,000 28,400 0 180,086 0 180,086 491,769 591,769 591,76952 101 0 100,000 29,834 0 180,086 0 180,086 521,604 621,604 621,60453 102 0 100,000 31,341 0 180,086 0 180,086 552,945 652,945 652,94554 103 0 100,000 32,924 0 180,086 0 180,086 585,868 685,868 685,86855 104 0 100,000 34,586 0 180,086 0 180,086 620,455 720,455 720,455

56 105 0 100,000 36,333 0 180,086 0 180,086 656,788 756,788 756,78857 106 0 100,000 38,168 0 180,086 0 180,086 694,955 794,955 794,95558 107 0 100,000 40,095 0 180,086 0 180,086 735,051 835,051 835,05159 108 0 100,000 42,120 0 180,086 0 180,086 777,171 877,171 877,17160 109 0 100,000 44,247 0 180,086 0 180,086 821,418 921,418 921,418

61 110 0 100,000 46,482 0 180,086 0 180,086 867,899 967,899 967,89962 111 0 100,000 48,829 0 180,086 0 180,086 916,728 1,016,728 1,016,72863 112 0 100,000 51,295 0 180,086 0 180,086 968,023 1,068,023 1,068,02364 113 0 100,000 53,885 0 180,086 0 180,086 1,021,908 1,121,908 1,121,90865 114 0 100,000 56,606 0 180,086 0 180,086 1,078,515 1,178,515 1,178,515

66 115 0 100,000 59,465 0 180,086 0 180,086 1,137,980 1,237,980 1,237,98067 116 0 100,000 62,468 0 180,086 0 180,086 1,200,448 1,300,448 1,300,44868 117 0 100,000 65,623 0 180,086 0 180,086 1,266,070 1,366,070 1,366,07069 118 0 100,000 68,937 0 180,086 0 180,086 1,335,007 1,435,007 1,435,00770 119 0 100,000 72,418 0 180,086 0 180,086 1,407,425 1,507,425 1,507,425

71 120 0 100,000 76,075 0 180,086 0 180,086 1,483,499 1,583,499 1,583,499

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50 Year Old Male



(800) 441-6455

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Narrative Summary


















Year 1 To 11Year 12 To 12Year 13 To 15Year 16 To 18Year 19 To 19Year 20 To 24Year 25 To 27Year 28 To 28

Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$3,232.00$1,722.06$1,503.24$3,232.00$1,498.35

$966.94$3,232.00

$167.90



The Numeric Summary report shows the values under three sets of assumptions. In each scenario, the valuesare based on paying the premium every year and taking no loans or other distributions. (Unscheduled PUApayments shown are based on the expected amounts.)

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Narrative Summary





















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Narrative Summary
















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Numeric Summary








5 54 6,185 26,265 142,477 6,185 28,751 147,496 6,185 27,497 144,968

10 59 6,185 57,773 178,852 6,185 66,458 195,606 6,185 62,012 187,041

20 69 3,920 114,628 219,124 3,920 153,430 279,737 3,920 132,941 247,768

21 70 3,920 119,676 220,767 3,920 163,305 287,578 3,920 140,191 252,222

26 75 6,185 149,521 234,750 6,185 222,661 336,384 6,185 183,192 281,598

31 80 2,853 173,203 239,599 2,853 286,384 383,958 2,853 224,049 304,525

36 85 2,853 190,742 239,599 2,853 355,098 435,366 2,853 262,506 325,160

41 90 2,853 205,223 239,599 2,853 429,302 493,417 2,853 300,127 347,176







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1 50 6,185 3,376 109,050 6,185 3,376 109,050 6,185 3,376 109,0502 51 6,185 9,139 117,812 6,185 9,614 118,287 6,185 9,376 118,0503 52 6,185 14,694 126,296 6,185 15,752 128,136 6,185 15,221 127,2154 53 6,185 20,404 134,514 6,185 22,111 137,875 6,185 21,253 136,1875 54 6,185 26,265 142,477 6,185 28,751 147,496 6,185 27,497 144,968

6 55 6,185 32,266 150,196 6,185 35,672 157,101 6,185 33,949 153,6127 56 6,185 38,411 157,683 6,185 42,889 166,706 6,185 40,616 162,1348 57 6,185 44,699 164,948 6,185 50,413 176,327 6,185 47,505 170,5449 58 6,185 51,154 172,002 6,185 58,266 185,962 6,185 54,636 178,847

10 59 6,185 57,773 178,852 6,185 66,458 195,606 6,185 62,012 187,041

11 60 6,185 64,173 185,506 6,185 74,622 205,276 6,185 69,257 195,13912 61 4,675 69,217 189,042 4,675 81,620 212,047 4,675 75,232 200,21513 62 4,456 74,104 192,068 4,456 88,668 218,523 4,456 81,143 204,87414 63 4,456 79,034 195,012 4,456 96,048 225,216 4,456 87,230 209,58315 64 4,456 84,009 197,878 4,456 103,773 232,197 4,456 93,497 214,378

16 65 6,185 90,712 203,682 6,185 113,570 242,503 6,185 101,649 222,28317 66 6,185 97,509 209,340 6,185 123,813 253,065 6,185 110,053 230,22018 67 6,185 104,417 214,858 6,185 134,532 263,872 6,185 118,730 238,18419 68 4,451 109,742 217,441 4,451 144,024 272,098 4,451 125,979 243,36220 69 3,920 114,628 219,124 3,920 153,430 279,737 3,920 132,941 247,768

21 70 3,920 119,676 220,767 3,920 163,305 287,578 3,920 140,191 252,22222 71 3,920 124,768 222,372 3,920 173,547 295,592 3,920 147,614 256,71023 72 3,920 129,846 223,940 3,920 184,129 303,824 3,920 155,166 261,25024 73 3,920 134,922 225,474 3,920 195,073 312,294 3,920 162,859 265,85125 74 6,185 142,199 230,161 6,185 208,629 324,222 6,185 172,918 273,713

26 75 6,185 149,521 234,750 6,185 222,661 336,384 6,185 183,192 281,59827 76 6,185 156,884 239,245 6,185 237,181 348,791 6,185 193,682 289,50928 77 3,121 161,294 239,599 3,121 249,160 357,362 3,121 201,372 293,37829 78 2,853 165,371 239,599 2,853 261,233 365,887 2,853 208,883 296,98930 79 2,853 169,341 239,599 2,853 273,639 374,748 2,853 216,443 300,704

31 80 2,853 173,203 239,599 2,853 286,384 383,958 2,853 224,049 304,52532 81 2,853 176,929 239,599 2,853 299,450 393,537 2,853 231,674 308,45833 82 2,853 180,546 239,599 2,853 312,863 403,480 2,853 239,340 312,49634 83 2,853 184,058 239,599 2,853 326,626 413,775 2,853 247,046 316,63235 84 2,853 187,464 239,599 2,853 340,717 424,405 2,853 254,779 320,855

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36 85 2,853 190,742 239,599 2,853 355,098 435,366 2,853 262,506 325,16037 86 2,853 193,880 239,599 2,853 369,650 446,569 2,853 270,168 329,51138 87 2,853 196,878 239,599 2,853 384,385 458,023 2,853 277,767 333,90739 88 2,853 199,747 239,599 2,853 399,244 469,676 2,853 285,284 338,32940 89 2,853 202,514 239,599 2,853 414,216 481,489 2,853 292,729 342,758

41 90 2,853 205,223 239,599 2,853 429,302 493,417 2,853 300,127 347,17642 91 2,853 208,011 239,599 2,853 444,544 505,281 2,853 307,583 351,51643 92 2,853 210,981 239,599 2,853 459,993 516,976 2,853 315,182 355,74144 93 2,853 214,286 239,599 2,853 475,764 528,402 2,853 323,064 359,81145 94 2,853 218,164 239,599 2,853 492,127 539,497 2,853 331,478 363,702

46 95 0 220,455 239,599 0 506,459 549,643 0 338,036 367,12447 96 0 223,242 239,599 0 521,728 559,306 0 345,260 370,34248 97 0 226,869 239,599 0 538,510 568,260 0 353,610 373,29749 98 0 231,949 239,599 0 557,837 575,996 0 363,905 375,82950 99 0 239,599 239,599 0 581,637 581,637 0 377,661 377,661

51 100 0 239,599 239,599 0 610,960 610,960 0 387,172 387,17252 101 0 239,599 239,599 0 641,763 641,763 0 396,923 396,92353 102 0 239,599 239,599 0 674,122 674,122 0 406,920 406,92054 103 0 239,599 239,599 0 708,115 708,115 0 417,170 417,17055 104 0 239,599 239,599 0 743,825 743,825 0 427,678 427,678

56 105 0 239,599 239,599 0 781,338 781,338 0 438,452 438,45257 106 0 239,599 239,599 0 820,746 820,746 0 449,498 449,49858 107 0 239,599 239,599 0 862,143 862,143 0 460,823 460,82359 108 0 239,599 239,599 0 905,632 905,632 0 472,434 472,43460 109 0 239,599 239,599 0 951,316 951,316 0 484,338 484,338

61 110 0 239,599 239,599 0 999,308 999,308 0 496,542 496,54262 111 0 239,599 239,599 0 1,049,723 1,049,723 0 509,055 509,05563 112 0 239,599 239,599 0 1,102,684 1,102,684 0 521,884 521,88464 113 0 239,599 239,599 0 1,158,319 1,158,319 0 535,036 535,03665 114 0 239,599 239,599 0 1,216,764 1,216,764 0 548,521 548,521

66 115 0 239,599 239,599 0 1,278,161 1,278,161 0 562,346 562,34667 116 0 239,599 239,599 0 1,342,658 1,342,658 0 576,520 576,52068 117 0 239,599 239,599 0 1,410,412 1,410,412 0 591,052 591,05269 118 0 239,599 239,599 0 1,481,588 1,481,588 0 605,951 605,95170 119 0 239,599 239,599 0 1,556,358 1,556,358 0 621,227 621,227

71 120 0 239,599 239,599 0 1,634,904 1,634,904 0 636,888 636,888

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Tabular Detail








1 50 6,185 3,376 109,050 6,185 3,376 109,0502 51 6,185 9,139 117,812 6,185 9,614 118,2873 52 6,185 14,694 126,296 6,185 15,752 128,1364 53 6,185 20,404 134,514 6,185 22,111 137,8755 54 6,185 26,265 142,477 6,185 28,751 147,496

6 55 6,185 32,266 150,196 6,185 35,672 157,1017 56 6,185 38,411 157,683 6,185 42,889 166,7068 57 6,185 44,699 164,948 6,185 50,413 176,3279 58 6,185 51,154 172,002 6,185 58,266 185,962

10 59 6,185 57,773 178,852 6,185 66,458 195,606

11 60 6,185 64,173 185,506 6,185 74,622 205,27612 61 4,675 69,217 189,042 4,675 81,620 212,04713 62 4,456 74,104 192,068 4,456 88,668 218,52314 63 4,456 79,034 195,012 4,456 96,048 225,21615 64 4,456 84,009 197,878 4,456 103,773 232,197

16 65 6,185 90,712 203,682 6,185 113,570 242,50317 66 6,185 97,509 209,340 6,185 123,813 253,06518 67 6,185 104,417 214,858 6,185 134,532 263,87219 68 4,451 109,742 217,441 4,451 144,024 272,09820 69 3,920 114,628 219,124 3,920 153,430 279,737

21 70 3,920 119,676 220,767 3,920 163,305 287,57822 71 3,920 124,768 222,372 3,920 173,547 295,59223 72 3,920 129,846 223,940 3,920 184,129 303,82424 73 3,920 134,922 225,474 3,920 195,073 312,29425 74 6,185 142,199 230,161 6,185 208,629 324,222

26 75 6,185 149,521 234,750 6,185 222,661 336,38427 76 6,185 156,884 239,245 6,185 237,181 348,79128 77 3,121 161,294 239,599 3,121 249,160 357,36229 78 2,853 165,371 239,599 2,853 261,233 365,88730 79 2,853 169,341 239,599 2,853 273,639 374,748

31 80 2,853 173,203 239,599 2,853 286,384 383,95832 81 2,853 176,929 239,599 2,853 299,450 393,53733 82 2,853 180,546 239,599 2,853 312,863 403,48034 83 2,853 184,058 239,599 2,853 326,626 413,77535 84 2,853 187,464 239,599 2,853 340,717 424,405

36 85 2,853 190,742 239,599 2,853 355,098 435,36637 86 2,853 193,880 239,599 2,853 369,650 446,56938 87 2,853 196,878 239,599 2,853 384,385 458,02339 88 2,853 199,747 239,599 2,853 399,244 469,67640 89 2,853 202,514 239,599 2,853 414,216 481,489

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Tabular Detail




41 90 2,853 205,223 239,599 2,853 429,302 493,41742 91 2,853 208,011 239,599 2,853 444,544 505,28143 92 2,853 210,981 239,599 2,853 459,993 516,97644 93 2,853 214,286 239,599 2,853 475,764 528,40245 94 2,853 218,164 239,599 2,853 492,127 539,497

46 95 0 220,455 239,599 0 506,459 549,64347 96 0 223,242 239,599 0 521,728 559,30648 97 0 226,869 239,599 0 538,510 568,26049 98 0 231,949 239,599 0 557,837 575,99650 99 0 239,599 239,599 0 581,637 581,637

51 100 0 239,599 239,599 0 610,960 610,96052 101 0 239,599 239,599 0 641,763 641,76353 102 0 239,599 239,599 0 674,122 674,12254 103 0 239,599 239,599 0 708,115 708,11555 104 0 239,599 239,599 0 743,825 743,825

56 105 0 239,599 239,599 0 781,338 781,33857 106 0 239,599 239,599 0 820,746 820,74658 107 0 239,599 239,599 0 862,143 862,14359 108 0 239,599 239,599 0 905,632 905,63260 109 0 239,599 239,599 0 951,316 951,316

61 110 0 239,599 239,599 0 999,308 999,30862 111 0 239,599 239,599 0 1,049,723 1,049,72363 112 0 239,599 239,599 0 1,102,684 1,102,68464 113 0 239,599 239,599 0 1,158,319 1,158,31965 114 0 239,599 239,599 0 1,216,764 1,216,764

66 115 0 239,599 239,599 0 1,278,161 1,278,16167 116 0 239,599 239,599 0 1,342,658 1,342,65868 117 0 239,599 239,599 0 1,410,412 1,410,41269 118 0 239,599 239,599 0 1,481,588 1,481,58870 119 0 239,599 239,599 0 1,556,358 1,556,358

71 120 0 239,599 239,599 0 1,634,904 1,634,904





YearNet


Equiv. Lev.Dividend

10 24.19 8.85 4.3420 21.58 9.72 6.95

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Premium $6,372.50




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1 50 2,853 106 0 6,185 6,185 6,185 6,185 3,270 3,376 109,0502 51 2,853 2,493 475 6,185 12,370 6,185 12,370 7,121 9,614 118,2873 52 2,853 4,565 567 6,185 18,555 6,185 18,555 11,187 15,752 128,1364 53 2,853 6,684 615 6,185 24,740 6,185 24,740 15,427 22,111 137,8755 54 2,853 8,846 725 6,185 30,925 6,185 30,925 19,905 28,751 147,496

6 55 2,853 11,044 842 6,185 37,110 6,185 37,110 24,628 35,672 157,1017 56 2,853 13,279 969 6,185 43,295 6,185 43,295 29,610 42,889 166,7068 57 2,853 15,554 1,101 6,185 49,480 6,185 49,480 34,859 50,413 176,3279 58 2,853 17,883 1,228 6,185 55,665 6,185 55,665 40,383 58,266 185,962

10 59 2,853 20,265 1,364 6,185 61,850 6,185 61,850 46,193 66,458 195,606

11 60 2,853 22,320 1,512 6,185 68,035 6,185 68,035 52,302 74,622 205,27612 61 2,853 24,392 1,657 4,675 72,710 4,675 72,710 57,228 81,620 212,04713 62 2,853 26,469 1,816 4,456 77,166 4,456 77,166 62,199 88,668 218,52314 63 2,853 28,547 2,056 4,456 81,623 4,456 81,623 67,501 96,048 225,21615 64 2,853 30,625 2,302 4,456 86,079 4,456 86,079 73,148 103,773 232,197

16 65 2,853 32,705 2,584 6,185 92,264 6,185 92,264 80,865 113,570 242,50317 66 2,853 34,792 2,869 6,185 98,449 6,185 98,449 89,021 123,813 253,06518 67 2,853 36,895 3,157 6,185 104,634 6,185 104,634 97,637 134,532 263,87219 68 2,853 39,012 3,429 4,451 109,085 4,451 109,085 105,012 144,024 272,09820 69 2,853 41,150 3,691 3,920 113,005 3,920 113,005 112,280 153,430 279,737

21 70 2,853 43,413 3,905 3,920 116,925 3,920 116,925 119,892 163,305 287,57822 71 2,853 45,688 4,131 3,920 120,845 3,920 120,845 127,859 173,547 295,59223 72 2,853 47,943 4,403 3,920 124,765 3,920 124,765 136,186 184,129 303,82424 73 2,853 50,184 4,676 3,920 128,685 3,920 128,685 144,889 195,073 312,29425 74 2,853 52,417 4,993 6,185 134,870 6,185 134,870 156,212 208,629 324,222

26 75 2,853 54,638 5,328 6,185 141,055 6,185 141,055 168,023 222,661 336,38427 76 2,853 56,849 5,674 6,185 147,240 6,185 147,240 180,332 237,181 348,79128 77 2,853 59,035 5,992 3,121 150,361 3,121 150,361 190,125 249,160 357,36229 78 2,853 61,181 6,337 2,853 153,214 2,853 153,214 200,052 261,233 365,88730 79 2,853 63,274 6,708 2,853 156,067 2,853 156,067 210,365 273,639 374,748

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31 80 2,853 65,311 7,089 2,853 158,920 2,853 158,920 221,073 286,384 383,95832 81 2,853 67,280 7,496 2,853 161,773 2,853 161,773 232,170 299,450 393,53733 82 2,853 69,195 7,895 2,853 164,626 2,853 164,626 243,668 312,863 403,48034 83 2,853 71,060 8,293 2,853 167,479 2,853 167,479 255,566 326,626 413,77535 84 2,853 72,874 8,678 2,853 170,332 2,853 170,332 267,843 340,717 424,405

36 85 2,853 74,629 9,067 2,853 173,185 2,853 173,185 280,469 355,098 435,36637 86 2,853 76,322 9,369 2,853 176,038 2,853 176,038 293,328 369,650 446,56938 87 2,853 77,956 9,698 2,853 178,891 2,853 178,891 306,429 384,385 458,02339 88 2,853 79,542 9,967 2,853 181,744 2,853 181,744 319,702 399,244 469,67640 89 2,853 81,105 10,204 2,853 184,597 2,853 184,597 333,111 414,216 481,489

41 90 2,853 82,679 10,399 2,853 187,450 2,853 187,450 346,623 429,302 493,41742 91 2,853 84,353 10,417 2,853 190,303 2,853 190,303 360,191 444,544 505,28143 92 2,853 86,212 10,353 2,853 193,156 2,853 193,156 373,781 459,993 516,97644 93 2,853 88,379 10,196 2,853 196,009 2,853 196,009 387,385 475,764 528,40245 94 2,853 91,054 9,980 2,534 198,543 2,534 198,543 400,745 491,799 539,137

46 95 0 92,010 9,159 0 198,543 0 198,543 414,111 506,121 549,27747 96 0 93,173 8,861 0 198,543 0 198,543 428,207 521,380 558,93348 97 0 94,687 8,299 0 198,543 0 198,543 443,464 538,151 567,88249 98 0 96,807 7,265 0 198,543 0 198,543 460,658 557,465 575,61250 99 0 100,000 5,398 0 198,543 0 198,543 481,249 581,249 581,249

51 100 0 100,000 29,303 0 198,543 0 198,543 510,552 610,552 610,55252 101 0 100,000 30,783 0 198,543 0 198,543 541,335 641,335 641,33553 102 0 100,000 32,337 0 198,543 0 198,543 573,673 673,673 673,67354 103 0 100,000 33,970 0 198,543 0 198,543 607,643 707,643 707,64355 104 0 100,000 35,686 0 198,543 0 198,543 643,329 743,329 743,329

56 105 0 100,000 37,488 0 198,543 0 198,543 680,817 780,817 780,81757 106 0 100,000 39,381 0 198,543 0 198,543 720,198 820,198 820,19858 107 0 100,000 41,370 0 198,543 0 198,543 761,568 861,568 861,56859 108 0 100,000 43,459 0 198,543 0 198,543 805,028 905,028 905,02860 109 0 100,000 45,654 0 198,543 0 198,543 850,681 950,681 950,681

61 110 0 100,000 47,959 0 198,543 0 198,543 898,641 998,641 998,64162 111 0 100,000 50,381 0 198,543 0 198,543 949,022 1,049,022 1,049,02263 112 0 100,000 52,926 0 198,543 0 198,543 1,001,948 1,101,948 1,101,94864 113 0 100,000 55,598 0 198,543 0 198,543 1,057,546 1,157,546 1,157,54665 114 0 100,000 58,406 0 198,543 0 198,543 1,115,952 1,215,952 1,215,952

66 115 0 100,000 61,356 0 198,543 0 198,543 1,177,308 1,277,308 1,277,30867 116 0 100,000 64,454 0 198,543 0 198,543 1,241,762 1,341,762 1,341,76268 117 0 100,000 67,709 0 198,543 0 198,543 1,309,471 1,409,471 1,409,47169 118 0 100,000 71,128 0 198,543 0 198,543 1,380,599 1,480,599 1,480,59970 119 0 100,000 74,720 0 198,543 0 198,543 1,455,319 1,555,319 1,555,319

71 120 0 100,000 78,494 0 198,543 0 198,543 1,533,813 1,633,813 1,633,813

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60 Year Old Female



(800) 441-6455

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Narrative Summary


















Year 1 To 11Year 12 To 12Year 13 To 15Year 16 To 17Year 18 To 18Year 19 To 19Year 20 To 24Year 25 To 26Year 27 To 27

Scheduled:$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00

Unscheduled:$3,880.00$1,885.80$1,623.67$3,880.00$3,092.30

$863.20$863.19

$3,880.00$1,963.73



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Narrative Summary





















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Narrative Summary















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Narrative Summary




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Numeric Summary








5 64 7,576 30,773 142,268 7,576 34,632 149,034 7,576 32,682 145,620

10 69 7,576 66,979 179,147 7,576 79,683 200,498 7,576 73,153 189,538

11 70 7,576 74,467 185,963 7,576 89,621 210,991 7,576 81,805 198,099

16 75 7,576 104,594 203,541 7,576 135,899 250,601 7,576 119,463 225,923

20 79 4,559 130,183 216,773 4,559 180,369 286,744 4,559 153,638 249,513

21 80 4,559 135,415 218,082 4,559 191,172 294,430 4,559 161,360 253,650

26 85 7,576 166,564 231,789 7,576 256,056 344,634 7,576 207,233 283,122

31 90 3,596 188,839 234,299 3,596 320,288 389,263 3,596 247,074 303,006







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32











1 60 7,576 4,035 108,937 7,576 4,035 108,937 7,576 4,035 108,9372 61 7,576 10,908 117,623 7,576 11,667 118,382 7,576 11,287 118,0023 62 7,576 17,374 126,067 7,576 19,038 128,645 7,576 18,203 127,3534 63 7,576 23,994 134,279 7,576 26,673 138,861 7,576 25,324 136,5575 64 7,576 30,773 142,268 7,576 34,632 149,034 7,576 32,682 145,620

6 65 7,576 37,706 150,042 7,576 42,926 159,232 7,576 40,279 154,5797 66 7,576 44,795 157,609 7,576 51,566 169,466 7,576 48,121 163,4418 67 7,576 52,038 164,977 7,576 60,565 179,747 7,576 56,211 172,2169 68 7,576 59,434 172,154 7,576 69,934 190,088 7,576 64,555 180,913

10 69 7,576 66,979 179,147 7,576 79,683 200,498 7,576 73,153 189,538

11 70 7,576 74,467 185,963 7,576 89,621 210,991 7,576 81,805 198,09912 71 5,582 80,134 189,279 5,582 97,974 218,224 5,582 88,741 203,26313 72 5,320 85,614 192,087 5,320 106,381 225,169 5,320 95,594 208,00814 73 5,320 91,157 194,828 5,320 115,127 232,290 5,320 102,632 212,78715 74 5,320 96,752 197,504 5,320 124,218 239,611 5,320 109,849 217,611

16 75 7,576 104,594 203,541 7,576 135,899 250,601 7,576 119,463 225,92317 76 7,576 112,533 209,442 7,576 148,035 261,787 7,576 129,330 234,23918 77 6,788 119,801 214,070 6,788 159,859 272,020 6,788 138,678 241,41219 78 4,559 124,978 215,436 4,559 169,925 279,266 4,559 146,072 245,42920 79 4,559 130,183 216,773 4,559 180,369 286,744 4,559 153,638 249,513

21 80 4,559 135,415 218,082 4,559 191,172 294,430 4,559 161,360 253,65022 81 4,559 140,580 219,365 4,559 202,285 302,373 4,559 169,165 257,86223 82 4,559 145,669 220,623 4,559 213,702 310,603 4,559 177,039 262,15924 83 4,559 150,719 221,857 4,559 225,460 319,103 4,559 185,017 266,53225 84 7,576 158,640 226,866 7,576 240,531 331,725 7,576 196,038 274,804

26 85 7,576 166,564 231,789 7,576 256,056 344,634 7,576 207,233 283,12227 86 5,660 172,736 234,299 5,660 270,127 355,305 5,660 216,777 289,07228 87 3,596 176,826 234,299 3,596 282,393 363,629 3,596 224,325 292,54429 88 3,596 180,829 234,299 3,596 294,819 372,099 3,596 231,856 296,03930 89 3,596 184,782 234,299 3,596 307,414 380,677 3,596 239,394 299,541

31 90 3,596 188,839 234,299 3,596 320,288 389,263 3,596 247,074 303,00632 91 3,596 193,379 234,299 3,596 333,700 397,527 3,596 255,233 306,30233 92 3,596 198,301 234,299 3,596 347,551 405,479 3,596 263,771 309,43534 93 3,596 203,604 234,299 3,596 361,789 413,135 3,596 272,661 312,41535 94 3,596 209,421 234,299 3,596 376,534 420,497 3,596 282,031 315,240

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36 95 0 212,718 234,299 0 388,528 427,331 0 288,736 317,80037 96 0 216,352 234,299 0 401,034 433,815 0 295,843 320,20438 97 0 220,637 234,299 0 414,556 439,880 0 303,754 322,43639 98 0 226,429 234,299 0 430,407 445,194 0 313,541 324,37640 99 0 234,299 234,299 0 449,526 449,526 0 325,947 325,947

41 100 0 234,299 234,299 0 472,177 472,177 0 334,152 334,15242 101 0 234,299 234,299 0 495,972 495,972 0 342,565 342,56543 102 0 234,299 234,299 0 520,968 520,968 0 351,189 351,18944 103 0 234,299 234,299 0 547,227 547,227 0 360,032 360,03245 104 0 234,299 234,299 0 574,812 574,812 0 369,098 369,098

46 105 0 234,299 234,299 0 603,790 603,790 0 378,393 378,39347 106 0 234,299 234,299 0 634,232 634,232 0 387,922 387,92248 107 0 234,299 234,299 0 666,210 666,210 0 397,692 397,69249 108 0 234,299 234,299 0 699,804 699,804 0 407,709 407,70950 109 0 234,299 234,299 0 735,094 735,094 0 417,978 417,978

51 110 0 234,299 234,299 0 772,166 772,166 0 428,507 428,50752 111 0 234,299 234,299 0 811,111 811,111 0 439,302 439,30253 112 0 234,299 234,299 0 852,022 852,022 0 450,369 450,36954 113 0 234,299 234,299 0 894,999 894,999 0 461,716 461,71655 114 0 234,299 234,299 0 940,147 940,147 0 473,350 473,350

56 115 0 234,299 234,299 0 987,574 987,574 0 485,277 485,27757 116 0 234,299 234,299 0 1,037,396 1,037,396 0 497,505 497,50558 117 0 234,299 234,299 0 1,089,735 1,089,735 0 510,042 510,04259 118 0 234,299 234,299 0 1,144,717 1,144,717 0 522,895 522,89560 119 0 234,299 234,299 0 1,202,475 1,202,475 0 536,074 536,074

61 120 0 234,299 234,299 0 1,263,150 1,263,150 0 549,584 549,584

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1

32


Tabular Detail








1 60 7,576 4,035 108,937 7,576 4,035 108,9372 61 7,576 10,908 117,623 7,576 11,667 118,3823 62 7,576 17,374 126,067 7,576 19,038 128,6454 63 7,576 23,994 134,279 7,576 26,673 138,8615 64 7,576 30,773 142,268 7,576 34,632 149,034

6 65 7,576 37,706 150,042 7,576 42,926 159,2327 66 7,576 44,795 157,609 7,576 51,566 169,4668 67 7,576 52,038 164,977 7,576 60,565 179,7479 68 7,576 59,434 172,154 7,576 69,934 190,088

10 69 7,576 66,979 179,147 7,576 79,683 200,498

11 70 7,576 74,467 185,963 7,576 89,621 210,99112 71 5,582 80,134 189,279 5,582 97,974 218,22413 72 5,320 85,614 192,087 5,320 106,381 225,16914 73 5,320 91,157 194,828 5,320 115,127 232,29015 74 5,320 96,752 197,504 5,320 124,218 239,611

16 75 7,576 104,594 203,541 7,576 135,899 250,60117 76 7,576 112,533 209,442 7,576 148,035 261,78718 77 6,788 119,801 214,070 6,788 159,859 272,02019 78 4,559 124,978 215,436 4,559 169,925 279,26620 79 4,559 130,183 216,773 4,559 180,369 286,744

21 80 4,559 135,415 218,082 4,559 191,172 294,43022 81 4,559 140,580 219,365 4,559 202,285 302,37323 82 4,559 145,669 220,623 4,559 213,702 310,60324 83 4,559 150,719 221,857 4,559 225,460 319,10325 84 7,576 158,640 226,866 7,576 240,531 331,725

26 85 7,576 166,564 231,789 7,576 256,056 344,63427 86 5,660 172,736 234,299 5,660 270,127 355,30528 87 3,596 176,826 234,299 3,596 282,393 363,62929 88 3,596 180,829 234,299 3,596 294,819 372,09930 89 3,596 184,782 234,299 3,596 307,414 380,677

31 90 3,596 188,839 234,299 3,596 320,288 389,26332 91 3,596 193,379 234,299 3,596 333,700 397,52733 92 3,596 198,301 234,299 3,596 347,551 405,47934 93 3,596 203,604 234,299 3,596 361,789 413,13535 94 3,596 209,421 234,299 3,596 376,534 420,497

36 95 0 212,718 234,299 0 388,528 427,33137 96 0 216,352 234,299 0 401,034 433,81538 97 0 220,637 234,299 0 414,556 439,88039 98 0 226,429 234,299 0 430,407 445,19440 99 0 234,299 234,299 0 449,526 449,526

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Tabular Detail




41 100 0 234,299 234,299 0 472,177 472,17742 101 0 234,299 234,299 0 495,972 495,97243 102 0 234,299 234,299 0 520,968 520,96844 103 0 234,299 234,299 0 547,227 547,22745 104 0 234,299 234,299 0 574,812 574,812

46 105 0 234,299 234,299 0 603,790 603,79047 106 0 234,299 234,299 0 634,232 634,23248 107 0 234,299 234,299 0 666,210 666,21049 108 0 234,299 234,299 0 699,804 699,80450 109 0 234,299 234,299 0 735,094 735,094

51 110 0 234,299 234,299 0 772,166 772,16652 111 0 234,299 234,299 0 811,111 811,11153 112 0 234,299 234,299 0 852,022 852,02254 113 0 234,299 234,299 0 894,999 894,99955 114 0 234,299 234,299 0 940,147 940,147

56 115 0 234,299 234,299 0 987,574 987,57457 116 0 234,299 234,299 0 1,037,396 1,037,39658 117 0 234,299 234,299 0 1,089,735 1,089,73559 118 0 234,299 234,299 0 1,144,717 1,144,71760 119 0 234,299 234,299 0 1,202,475 1,202,475

61 120 0 234,299 234,299 0 1,263,150 1,263,150





YearNet


Equiv. Lev.Dividend

10 29.31 11.84 6.6520 26.68 12.68 9.28

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Premium $6,372.50




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1 60 3,596 145 0 7,576 7,576 7,576 7,576 3,890 4,035 108,9372 61 3,596 3,017 759 7,576 15,152 7,576 15,152 8,650 11,667 118,3823 62 3,596 5,372 884 7,576 22,728 7,576 22,728 13,666 19,038 128,6454 63 3,596 7,770 968 7,576 30,304 7,576 30,304 18,903 26,673 138,8615 64 3,596 10,214 1,107 7,576 37,880 7,576 37,880 24,418 34,632 149,034

6 65 3,596 12,701 1,255 7,576 45,456 7,576 45,456 30,225 42,926 159,2327 66 3,596 15,232 1,410 7,576 53,032 7,576 53,032 36,334 51,566 169,4668 67 3,596 17,805 1,576 7,576 60,608 7,576 60,608 42,760 60,565 179,7479 68 3,596 20,420 1,750 7,576 68,184 7,576 68,184 49,514 69,934 190,088

10 69 3,596 23,075 1,931 7,576 75,760 7,576 75,760 56,608 79,683 200,498

11 70 3,596 25,565 2,127 7,576 83,336 7,576 83,336 64,056 89,621 210,99112 71 3,596 28,073 2,305 5,582 88,918 5,582 88,918 69,901 97,974 218,22413 72 3,596 30,597 2,489 5,320 94,237 5,320 94,237 75,784 106,381 225,16914 73 3,596 33,136 2,704 5,320 99,557 5,320 99,557 81,991 115,127 232,29015 74 3,596 35,687 2,930 5,320 104,877 5,320 104,877 88,531 124,218 239,611

16 75 3,596 38,249 3,204 7,576 112,453 7,576 112,453 97,650 135,899 250,60117 76 3,596 40,820 3,489 7,576 120,029 7,576 120,029 107,215 148,035 261,78718 77 3,596 43,400 3,770 6,788 126,817 6,788 126,817 116,459 159,859 272,02019 78 3,596 45,987 4,021 4,559 131,376 4,559 131,376 123,938 169,925 279,26620 79 3,596 48,582 4,285 4,559 135,936 4,559 135,936 131,787 180,369 286,744

21 80 3,596 51,187 4,529 4,559 140,495 4,559 140,495 139,985 191,172 294,43022 81 3,596 53,746 4,840 4,559 145,054 4,559 145,054 148,539 202,285 302,37323 82 3,596 56,256 5,158 4,559 149,613 4,559 149,613 157,446 213,702 310,60324 83 3,596 58,741 5,466 4,559 154,172 4,559 154,172 166,719 225,460 319,10325 84 3,596 61,201 5,837 7,576 161,748 7,576 161,748 179,330 240,531 331,725

26 85 3,596 63,639 6,223 7,576 169,324 7,576 169,324 192,417 256,056 344,63427 86 3,596 66,113 6,416 5,660 174,984 5,660 174,984 204,014 270,127 355,30528 87 3,596 68,542 6,643 2,839 177,823 2,839 177,823 213,066 281,608 362,65929 88 3,596 70,952 6,838 2,839 180,661 2,839 180,661 222,270 293,222 370,15430 89 3,596 73,373 7,003 2,839 183,500 2,839 183,500 231,605 304,978 377,751

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31 90 3,596 75,903 7,071 2,839 186,339 2,839 186,339 241,083 316,986 385,34832 91 3,596 78,760 6,836 2,839 189,178 2,839 189,178 250,742 329,502 392,62133 92 3,596 81,915 6,674 2,839 192,016 2,839 192,016 260,513 342,428 399,58134 93 3,596 85,409 6,525 3,596 195,612 3,596 195,612 271,088 356,497 407,13435 94 3,596 89,382 6,371 3,596 199,208 3,596 199,208 281,688 371,070 414,394

36 95 0 90,789 5,978 0 199,208 0 199,208 292,100 382,889 421,12837 96 0 92,340 5,783 0 199,208 0 199,208 302,873 395,213 427,51738 97 0 94,169 5,497 0 199,208 0 199,208 314,368 408,537 433,49439 98 0 96,641 4,896 0 199,208 0 199,208 327,517 424,158 438,73040 99 0 100,000 4,098 0 199,208 0 199,208 342,998 442,998 442,998

41 100 0 100,000 22,321 0 199,208 0 199,208 365,319 465,319 465,31942 101 0 100,000 23,449 0 199,208 0 199,208 388,768 488,768 488,76843 102 0 100,000 24,633 0 199,208 0 199,208 413,401 513,401 513,40144 103 0 100,000 25,877 0 199,208 0 199,208 439,277 539,277 539,27745 104 0 100,000 27,184 0 199,208 0 199,208 466,461 566,461 566,461

46 105 0 100,000 28,556 0 199,208 0 199,208 495,017 595,017 595,01747 106 0 100,000 29,998 0 199,208 0 199,208 525,015 625,015 625,01548 107 0 100,000 31,513 0 199,208 0 199,208 556,529 656,529 656,52949 108 0 100,000 33,105 0 199,208 0 199,208 589,633 689,633 689,63350 109 0 100,000 34,776 0 199,208 0 199,208 624,410 724,410 724,410

51 110 0 100,000 36,533 0 199,208 0 199,208 660,943 760,943 760,94352 111 0 100,000 38,378 0 199,208 0 199,208 699,320 799,320 799,32053 112 0 100,000 40,316 0 199,208 0 199,208 739,636 839,636 839,63654 113 0 100,000 42,352 0 199,208 0 199,208 781,987 881,987 881,98755 114 0 100,000 44,490 0 199,208 0 199,208 826,478 926,478 926,478

56 115 0 100,000 46,737 0 199,208 0 199,208 873,215 973,215 973,21557 116 0 100,000 49,097 0 199,208 0 199,208 922,312 1,022,312 1,022,31258 117 0 100,000 51,577 0 199,208 0 199,208 973,889 1,073,889 1,073,88959 118 0 100,000 54,181 0 199,208 0 199,208 1,028,070 1,128,070 1,128,07060 119 0 100,000 56,918 0 199,208 0 199,208 1,084,988 1,184,988 1,184,988

61 120 0 100,000 59,792 0 199,208 0 199,208 1,144,780 1,244,780 1,244,780


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60 Year Old Male



(800) 441-6455

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Narrative Summary

















Year 1 To 10Year 11 To 11Year 12 To 16Year 17 To 20

Scheduled:$100.00$100.00$100.00$100.00

Unscheduled:$3,673.00$3,424.67$1,018.39$3,673.00




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Narrative Summary





















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Narrative Summary
















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32


Numeric Summary








5 64 8,473 32,183 135,651 8,473 37,947 144,861 8,473 35,033 140,211

10 69 8,473 69,651 166,928 8,473 87,698 194,570 8,473 78,399 180,346

11 70 8,225 76,766 172,357 8,225 98,060 204,434 8,225 87,047 187,864

16 75 5,818 101,037 180,404 5,818 143,166 238,508 5,818 120,943 207,892

20 79 8,473 130,644 200,179 8,473 196,992 285,688 8,473 161,442 239,912

21 80 4,700 134,493 200,179 4,700 208,051 293,570 4,700 168,476 243,369

26 85 4,700 152,072 200,179 4,700 267,695 337,618 4,700 204,085 262,062

31 90 4,700 167,105 200,179 4,700 332,344 387,185 4,700 239,289 281,929







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1 60 8,473 3,866 107,535 8,473 3,866 107,535 8,473 3,866 107,5352 61 8,473 11,243 114,858 8,473 12,403 116,019 8,473 11,823 115,4383 62 8,473 18,107 121,978 8,473 20,622 125,605 8,473 19,360 123,7874 63 8,473 25,087 128,906 8,473 29,116 135,213 8,473 27,087 132,0405 64 8,473 32,183 135,651 8,473 37,947 144,861 8,473 35,033 140,211

6 65 8,473 39,398 142,223 8,473 47,126 154,607 8,473 43,204 148,3307 66 8,473 46,742 148,630 8,473 56,674 164,452 8,473 51,614 156,4038 67 8,473 54,229 154,879 8,473 66,606 174,392 8,473 60,276 164,4279 68 8,473 61,860 160,976 8,473 76,941 184,431 8,473 69,200 172,407

10 69 8,473 69,651 166,928 8,473 87,698 194,570 8,473 78,399 180,346

11 70 8,225 76,766 172,357 8,225 98,060 204,434 8,225 87,047 187,86412 71 5,818 81,635 174,039 5,818 106,433 210,767 5,818 93,558 191,72113 72 5,818 86,491 175,683 5,818 115,081 217,289 5,818 100,178 195,62814 73 5,818 91,341 177,291 5,818 124,078 224,074 5,818 106,945 199,62015 74 5,818 96,191 178,864 5,818 133,434 231,146 5,818 113,867 203,708

16 75 5,818 101,037 180,404 5,818 143,166 238,508 5,818 120,943 207,89217 76 8,473 108,448 185,494 8,473 155,902 249,796 8,473 130,772 215,77918 77 8,473 115,877 190,483 8,473 169,124 261,398 8,473 140,816 223,73519 78 8,473 123,287 195,376 8,473 182,823 273,351 8,473 151,049 231,77420 79 8,473 130,644 200,179 8,473 196,992 285,688 8,473 161,442 239,912

21 80 4,700 134,493 200,179 4,700 208,051 293,570 4,700 168,476 243,36922 81 4,700 138,213 200,179 4,700 219,388 301,774 4,700 175,529 246,92923 82 4,700 141,828 200,179 4,700 231,029 310,292 4,700 182,622 250,58624 83 4,700 145,346 200,179 4,700 242,974 319,116 4,700 189,756 254,33425 84 4,700 148,767 200,179 4,700 255,207 328,226 4,700 196,920 258,161

26 85 4,700 152,072 200,179 4,700 267,695 337,618 4,700 204,085 262,06227 86 4,700 155,254 200,179 4,700 280,338 347,212 4,700 211,202 266,00128 87 4,700 158,318 200,179 4,700 293,151 357,013 4,700 218,277 269,97829 88 4,700 161,285 200,179 4,700 306,087 366,970 4,700 225,299 273,97230 89 4,700 164,194 200,179 4,700 319,146 377,043 4,700 232,290 277,962

31 90 4,700 167,105 200,179 4,700 332,344 387,185 4,700 239,289 281,92932 91 4,700 170,184 200,179 4,700 345,739 397,229 4,700 246,420 285,80633 92 4,700 173,570 200,179 4,700 359,407 407,069 4,700 253,797 289,54934 93 4,700 177,484 200,179 4,700 373,506 416,593 4,700 261,616 293,11435 94 4,700 182,271 200,179 4,700 388,354 425,705 4,700 270,204 296,457

Page: 6 of 12

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36 95 0 184,185 200,179 0 399,654 433,732 0 275,546 299,25637 96 0 186,513 200,179 0 411,692 441,346 0 281,429 301,87438 97 0 189,543 200,179 0 424,924 448,400 0 288,231 304,27939 98 0 193,787 200,179 0 440,164 454,493 0 296,618 306,33740 99 0 200,179 200,179 0 458,933 458,933 0 307,826 307,826

41 100 0 200,179 200,179 0 482,059 482,059 0 315,573 315,57342 101 0 200,179 200,179 0 506,353 506,353 0 323,516 323,51643 102 0 200,179 200,179 0 531,874 531,874 0 331,660 331,66044 103 0 200,179 200,179 0 558,684 558,684 0 340,010 340,01045 104 0 200,179 200,179 0 586,847 586,847 0 348,570 348,570

46 105 0 200,179 200,179 0 616,433 616,433 0 357,346 357,34647 106 0 200,179 200,179 0 647,513 647,513 0 366,344 366,34448 107 0 200,179 200,179 0 680,162 680,162 0 375,569 375,56949 108 0 200,179 200,179 0 714,460 714,460 0 385,028 385,02850 109 0 200,179 200,179 0 750,491 750,491 0 394,724 394,724

51 110 0 200,179 200,179 0 788,340 788,340 0 404,666 404,66652 111 0 200,179 200,179 0 828,102 828,102 0 414,859 414,85953 112 0 200,179 200,179 0 869,871 869,871 0 425,309 425,30954 113 0 200,179 200,179 0 913,749 913,749 0 436,023 436,02355 114 0 200,179 200,179 0 959,844 959,844 0 447,008 447,008

56 115 0 200,179 200,179 0 1,008,266 1,008,266 0 458,270 458,27057 116 0 200,179 200,179 0 1,059,133 1,059,133 0 469,816 469,81658 117 0 200,179 200,179 0 1,112,569 1,112,569 0 481,654 481,65459 118 0 200,179 200,179 0 1,168,704 1,168,704 0 493,791 493,79160 119 0 200,179 200,179 0 1,227,674 1,227,674 0 506,234 506,234

61 120 0 200,179 200,179 0 1,289,621 1,289,621 0 518,991 518,991

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Tabular Detail








1 60 8,473 3,866 107,535 8,473 3,866 107,5352 61 8,473 11,243 114,858 8,473 12,403 116,0193 62 8,473 18,107 121,978 8,473 20,622 125,6054 63 8,473 25,087 128,906 8,473 29,116 135,2135 64 8,473 32,183 135,651 8,473 37,947 144,861

6 65 8,473 39,398 142,223 8,473 47,126 154,6077 66 8,473 46,742 148,630 8,473 56,674 164,4528 67 8,473 54,229 154,879 8,473 66,606 174,3929 68 8,473 61,860 160,976 8,473 76,941 184,431

10 69 8,473 69,651 166,928 8,473 87,698 194,570

11 70 8,225 76,766 172,357 8,225 98,060 204,43412 71 5,818 81,635 174,039 5,818 106,433 210,76713 72 5,818 86,491 175,683 5,818 115,081 217,28914 73 5,818 91,341 177,291 5,818 124,078 224,07415 74 5,818 96,191 178,864 5,818 133,434 231,146

16 75 5,818 101,037 180,404 5,818 143,166 238,50817 76 8,473 108,448 185,494 8,473 155,902 249,79618 77 8,473 115,877 190,483 8,473 169,124 261,39819 78 8,473 123,287 195,376 8,473 182,823 273,35120 79 8,473 130,644 200,179 8,473 196,992 285,688

21 80 4,700 134,493 200,179 4,700 208,051 293,57022 81 4,700 138,213 200,179 4,700 219,388 301,77423 82 4,700 141,828 200,179 4,700 231,029 310,29224 83 4,700 145,346 200,179 4,700 242,974 319,11625 84 4,700 148,767 200,179 4,700 255,207 328,226

26 85 4,700 152,072 200,179 4,700 267,695 337,61827 86 4,700 155,254 200,179 4,700 280,338 347,21228 87 4,700 158,318 200,179 4,700 293,151 357,01329 88 4,700 161,285 200,179 4,700 306,087 366,97030 89 4,700 164,194 200,179 4,700 319,146 377,043

31 90 4,700 167,105 200,179 4,700 332,344 387,18532 91 4,700 170,184 200,179 4,700 345,739 397,22933 92 4,700 173,570 200,179 4,700 359,407 407,06934 93 4,700 177,484 200,179 4,700 373,506 416,59335 94 4,700 182,271 200,179 4,700 388,354 425,705

36 95 0 184,185 200,179 0 399,654 433,73237 96 0 186,513 200,179 0 411,692 441,34638 97 0 189,543 200,179 0 424,924 448,40039 98 0 193,787 200,179 0 440,164 454,49340 99 0 200,179 200,179 0 458,933 458,933

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Tabular Detail




41 100 0 200,179 200,179 0 482,059 482,05942 101 0 200,179 200,179 0 506,353 506,35343 102 0 200,179 200,179 0 531,874 531,87444 103 0 200,179 200,179 0 558,684 558,68445 104 0 200,179 200,179 0 586,847 586,847

46 105 0 200,179 200,179 0 616,433 616,43347 106 0 200,179 200,179 0 647,513 647,51348 107 0 200,179 200,179 0 680,162 680,16249 108 0 200,179 200,179 0 714,460 714,46050 109 0 200,179 200,179 0 750,491 750,491

51 110 0 200,179 200,179 0 788,340 788,34052 111 0 200,179 200,179 0 828,102 828,10253 112 0 200,179 200,179 0 869,871 869,87154 113 0 200,179 200,179 0 913,749 913,74955 114 0 200,179 200,179 0 959,844 959,844

56 115 0 200,179 200,179 0 1,008,266 1,008,26657 116 0 200,179 200,179 0 1,059,133 1,059,13358 117 0 200,179 200,179 0 1,112,569 1,112,56959 118 0 200,179 200,179 0 1,168,704 1,168,70460 119 0 200,179 200,179 0 1,227,674 1,227,674

61 120 0 200,179 200,179 0 1,289,621 1,289,621





YearNet


Equiv. Lev.Dividend

10 36.14 14.66 10.8620 32.36 16.65 14.64

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Premium $6,372.50




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1 60 4,700 178 0 8,473 8,473 8,473 8,473 3,688 3,866 107,5352 61 4,700 3,763 1,161 8,473 16,946 8,473 16,946 8,640 12,403 116,0193 62 4,700 6,736 1,322 8,473 25,419 8,473 25,419 13,886 20,622 125,6054 63 4,700 9,727 1,447 8,473 33,892 8,473 33,892 19,389 29,116 135,2135 64 4,700 12,739 1,628 8,473 42,365 8,473 42,365 25,208 37,947 144,861

6 65 4,700 15,775 1,817 8,473 50,838 8,473 50,838 31,351 47,126 154,6077 66 4,700 18,848 2,007 8,473 59,311 8,473 59,311 37,826 56,674 164,4528 67 4,700 21,967 2,199 8,473 67,784 8,473 67,784 44,639 66,606 174,3929 68 4,700 25,137 2,401 8,473 76,257 8,473 76,257 51,804 76,941 184,431

10 69 4,700 28,368 2,602 8,473 84,730 8,473 84,730 59,330 87,698 194,570

11 70 4,700 31,073 2,818 8,225 92,955 8,225 92,955 66,987 98,060 204,43412 71 4,700 33,789 3,006 5,818 98,773 5,818 98,773 72,644 106,433 210,76713 72 4,700 36,477 3,233 5,818 104,591 5,818 104,591 78,604 115,081 217,28914 73 4,700 39,143 3,518 5,818 110,410 5,818 110,410 84,935 124,078 224,07415 74 4,700 41,792 3,807 5,818 116,228 5,818 116,228 91,642 133,434 231,146

16 75 4,700 44,421 4,110 5,818 122,047 5,818 122,047 98,745 143,166 238,50817 76 4,700 47,028 4,471 8,473 130,520 8,473 130,520 108,874 155,902 249,79618 77 4,700 49,596 4,861 8,473 138,993 8,473 138,993 119,528 169,124 261,39819 78 4,700 52,103 5,284 8,473 147,466 8,473 147,466 130,720 182,823 273,35120 79 4,700 54,528 5,738 8,473 155,939 8,473 155,939 142,464 196,992 285,688

21 80 4,700 57,068 6,066 4,584 160,523 4,584 160,523 150,863 207,931 293,41522 81 4,700 59,526 6,408 4,259 164,781 4,259 164,781 159,279 218,805 301,03523 82 4,700 61,920 6,743 4,259 169,040 4,259 169,040 168,046 229,966 308,96624 83 4,700 64,256 7,074 4,259 173,299 4,259 173,299 177,157 241,413 317,19625 84 4,700 66,535 7,392 4,259 177,557 4,259 177,557 186,597 253,132 325,708

26 85 4,700 68,747 7,712 4,259 181,816 4,259 181,816 196,342 265,089 334,49627 86 4,700 70,892 7,963 4,700 186,516 4,700 186,516 206,748 277,640 344,01928 87 4,700 72,978 8,235 4,700 191,216 4,700 191,216 217,381 290,359 353,74729 88 4,700 75,024 8,452 4,700 195,916 4,700 195,916 228,178 303,202 363,63030 89 4,700 77,068 8,635 4,700 200,616 4,700 200,616 239,099 316,167 373,628

Page: 11 of 12

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31 90 4,700 79,165 8,772 4,700 205,316 4,700 205,316 250,107 329,272 383,69432 91 4,700 81,444 8,747 4,700 210,016 4,700 210,016 261,128 342,572 393,66233 92 4,700 84,033 8,637 4,700 214,716 4,700 214,716 272,111 356,144 403,42634 93 4,700 87,131 8,424 4,700 219,416 4,700 219,416 283,016 370,147 412,87735 94 4,700 91,054 8,123 4,700 224,116 4,700 224,116 293,844 384,898 421,916

36 95 0 92,010 7,157 0 224,116 0 224,116 304,086 396,096 429,87137 96 0 93,173 6,924 0 224,116 0 224,116 314,854 408,027 437,41638 97 0 94,687 6,484 0 224,116 0 224,116 326,454 421,141 444,40839 98 0 96,807 5,674 0 224,116 0 224,116 339,437 436,244 450,44640 99 0 100,000 4,213 0 224,116 0 224,116 354,846 454,846 454,846

41 100 0 100,000 22,920 0 224,116 0 224,116 377,766 477,766 477,76642 101 0 100,000 24,077 0 224,116 0 224,116 401,843 501,843 501,84343 102 0 100,000 25,293 0 224,116 0 224,116 427,136 527,136 527,13644 103 0 100,000 26,570 0 224,116 0 224,116 453,706 553,706 553,70645 104 0 100,000 27,912 0 224,116 0 224,116 481,618 581,618 581,618

46 105 0 100,000 29,322 0 224,116 0 224,116 510,940 610,940 610,94047 106 0 100,000 30,802 0 224,116 0 224,116 541,742 641,742 641,74248 107 0 100,000 32,358 0 224,116 0 224,116 574,100 674,100 674,10049 108 0 100,000 33,992 0 224,116 0 224,116 608,092 708,092 708,09250 109 0 100,000 35,709 0 224,116 0 224,116 643,801 743,801 743,801

51 110 0 100,000 37,512 0 224,116 0 224,116 681,313 781,313 781,31352 111 0 100,000 39,406 0 224,116 0 224,116 720,719 820,719 820,71953 112 0 100,000 41,396 0 224,116 0 224,116 762,116 862,116 862,11654 113 0 100,000 43,487 0 224,116 0 224,116 805,603 905,603 905,60355 114 0 100,000 45,683 0 224,116 0 224,116 851,286 951,286 951,286

56 115 0 100,000 47,990 0 224,116 0 224,116 899,275 999,275 999,27557 116 0 100,000 50,413 0 224,116 0 224,116 949,689 1,049,689 1,049,68958 117 0 100,000 52,959 0 224,116 0 224,116 1,002,648 1,102,648 1,102,64859 118 0 100,000 55,634 0 224,116 0 224,116 1,058,282 1,158,282 1,158,28260 119 0 100,000 58,443 0 224,116 0 224,116 1,116,725 1,216,725 1,216,725

61 120 0 100,000 61,395 0 224,116 0 224,116 1,178,120 1,278,120 1,278,120


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70 Year Old Female



(800) 441-6455

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Narrative Summary

















Year 1 To 11Year 12 To 12Year 13 To 17Year 18 To 20Year 21 To 21

Scheduled:$100.00$100.00$100.00$100.00$100.00

Unscheduled:$3,628.00$1,205.07

$216.22$3,628.00$2,720.94




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Narrative Summary





















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Narrative Summary
















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Numeric Summary








1 70 10,023 3,880 106,384 10,023 3,880 106,384 10,023 3,880 106,384

5 74 10,023 34,523 130,399 10,023 42,825 142,292 10,023 38,622 136,278

6 75 10,023 42,121 136,054 10,023 53,113 151,808 10,023 47,525 143,809

10 79 10,023 73,559 157,450 10,023 98,237 191,280 10,023 85,482 173,814

11 80 10,023 81,433 162,518 10,023 110,328 201,538 10,023 95,332 181,308

16 85 6,611 104,777 165,863 6,611 159,618 234,683 6,611 130,521 198,203

20 89 10,023 132,440 179,430 10,023 213,066 275,429 10,023 169,514 223,609

21 90 9,116 139,581 182,661 9,116 227,213 285,753 9,116 179,669 229,858







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1 70 10,023 3,880 106,384 10,023 3,880 106,384 10,023 3,880 106,3842 71 10,023 12,391 112,610 10,023 14,134 114,352 10,023 13,263 113,4813 72 10,023 19,656 118,683 10,023 23,370 123,600 10,023 21,506 121,1344 73 10,023 27,035 124,611 10,023 32,915 132,904 10,023 29,951 128,7285 74 10,023 34,523 130,399 10,023 42,825 142,292 10,023 38,622 136,278

6 75 10,023 42,121 136,054 10,023 53,113 151,808 10,023 47,525 143,8097 76 10,023 49,823 141,581 10,023 63,786 161,457 10,023 56,658 151,3238 77 10,023 57,631 146,986 10,023 74,856 171,248 10,023 66,026 158,8269 78 10,023 65,541 152,274 10,023 86,333 181,186 10,023 75,631 166,321

10 79 10,023 73,559 157,450 10,023 98,237 191,280 10,023 85,482 173,814

11 80 10,023 81,433 162,518 10,023 110,328 201,538 10,023 95,332 181,30812 81 7,600 86,956 164,256 7,600 120,404 208,743 7,600 102,971 185,58113 82 6,611 91,464 164,669 6,611 129,786 214,888 6,611 109,726 188,62714 83 6,611 95,936 165,074 6,611 139,449 221,264 6,611 116,571 191,75015 84 6,611 100,373 165,472 6,611 149,392 227,863 6,611 123,502 194,943

16 85 6,611 104,777 165,863 6,611 159,618 234,683 6,611 130,521 198,20317 86 6,611 109,251 166,248 6,611 170,118 241,587 6,611 137,677 201,46718 87 10,023 116,944 170,709 10,023 184,138 252,754 10,023 148,162 208,86319 88 10,023 124,657 175,101 10,023 198,447 264,046 10,023 158,763 216,24820 89 10,023 132,440 179,430 10,023 213,066 275,429 10,023 169,514 223,609

21 90 9,116 139,581 182,661 9,116 227,213 285,753 9,116 179,669 229,85822 91 6,295 144,617 182,661 6,295 239,225 292,539 6,295 187,680 232,71023 92 6,295 150,170 182,661 6,295 251,728 299,005 6,295 196,169 235,39024 93 6,295 156,306 182,661 6,295 264,741 305,148 6,295 205,180 237,90025 94 6,295 163,266 182,661 6,295 278,459 310,937 6,295 214,931 240,223

26 95 0 165,836 182,661 0 287,316 316,012 0 220,035 242,18427 96 0 168,669 182,661 0 296,551 320,793 0 225,445 244,01028 97 0 172,010 182,661 0 306,537 325,264 0 231,468 245,70429 98 0 176,525 182,661 0 318,245 329,179 0 238,920 247,17630 99 0 182,661 182,661 0 332,368 332,368 0 248,367 248,367

31 100 0 182,661 182,661 0 349,103 349,103 0 254,614 254,61432 101 0 182,661 182,661 0 366,683 366,683 0 261,018 261,01833 102 0 182,661 182,661 0 385,150 385,150 0 267,583 267,58334 103 0 182,661 182,661 0 404,550 404,550 0 274,315 274,31535 104 0 182,661 182,661 0 424,930 424,930 0 281,216 281,216

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36 105 0 182,661 182,661 0 446,339 446,339 0 288,292 288,29237 106 0 182,661 182,661 0 468,829 468,829 0 295,546 295,54638 107 0 182,661 182,661 0 492,455 492,455 0 302,984 302,98439 108 0 182,661 182,661 0 517,274 517,274 0 310,609 310,60940 109 0 182,661 182,661 0 543,346 543,346 0 318,427 318,427

41 110 0 182,661 182,661 0 570,735 570,735 0 326,442 326,44242 111 0 182,661 182,661 0 599,507 599,507 0 334,660 334,66043 112 0 182,661 182,661 0 629,732 629,732 0 343,085 343,08544 113 0 182,661 182,661 0 661,484 661,484 0 351,723 351,72345 114 0 182,661 182,661 0 694,839 694,839 0 360,579 360,579

46 115 0 182,661 182,661 0 729,878 729,878 0 369,659 369,65947 116 0 182,661 182,661 0 766,687 766,687 0 378,968 378,96848 117 0 182,661 182,661 0 805,355 805,355 0 388,512 388,51249 118 0 182,661 182,661 0 845,975 845,975 0 398,297 398,29750 119 0 182,661 182,661 0 888,647 888,647 0 408,329 408,329

51 120 0 182,661 182,661 0 933,474 933,474 0 418,614 418,614

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Tabular Detail








1 70 10,023 3,880 106,384 10,023 3,880 106,3842 71 10,023 12,391 112,610 10,023 14,134 114,3523 72 10,023 19,656 118,683 10,023 23,370 123,6004 73 10,023 27,035 124,611 10,023 32,915 132,9045 74 10,023 34,523 130,399 10,023 42,825 142,292

6 75 10,023 42,121 136,054 10,023 53,113 151,8087 76 10,023 49,823 141,581 10,023 63,786 161,4578 77 10,023 57,631 146,986 10,023 74,856 171,2489 78 10,023 65,541 152,274 10,023 86,333 181,186

10 79 10,023 73,559 157,450 10,023 98,237 191,280

11 80 10,023 81,433 162,518 10,023 110,328 201,53812 81 7,600 86,956 164,256 7,600 120,404 208,74313 82 6,611 91,464 164,669 6,611 129,786 214,88814 83 6,611 95,936 165,074 6,611 139,449 221,26415 84 6,611 100,373 165,472 6,611 149,392 227,863

16 85 6,611 104,777 165,863 6,611 159,618 234,68317 86 6,611 109,251 166,248 6,611 170,118 241,58718 87 10,023 116,944 170,709 10,023 184,138 252,75419 88 10,023 124,657 175,101 10,023 198,447 264,04620 89 10,023 132,440 179,430 10,023 213,066 275,429

21 90 9,116 139,581 182,661 9,116 227,213 285,75322 91 6,295 144,617 182,661 6,295 239,225 292,53923 92 6,295 150,170 182,661 6,295 251,728 299,00524 93 6,295 156,306 182,661 6,295 264,741 305,14825 94 6,295 163,266 182,661 6,295 278,459 310,937

26 95 0 165,836 182,661 0 287,316 316,01227 96 0 168,669 182,661 0 296,551 320,79328 97 0 172,010 182,661 0 306,537 325,26429 98 0 176,525 182,661 0 318,245 329,17930 99 0 182,661 182,661 0 332,368 332,368

31 100 0 182,661 182,661 0 349,103 349,10332 101 0 182,661 182,661 0 366,683 366,68333 102 0 182,661 182,661 0 385,150 385,15034 103 0 182,661 182,661 0 404,550 404,55035 104 0 182,661 182,661 0 424,930 424,930

36 105 0 182,661 182,661 0 446,339 446,33937 106 0 182,661 182,661 0 468,829 468,82938 107 0 182,661 182,661 0 492,455 492,45539 108 0 182,661 182,661 0 517,274 517,27440 109 0 182,661 182,661 0 543,346 543,346

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Tabular Detail




41 110 0 182,661 182,661 0 570,735 570,73542 111 0 182,661 182,661 0 599,507 599,50743 112 0 182,661 182,661 0 629,732 629,73244 113 0 182,661 182,661 0 661,484 661,48445 114 0 182,661 182,661 0 694,839 694,839

46 115 0 182,661 182,661 0 729,878 729,87847 116 0 182,661 182,661 0 766,687 766,68748 117 0 182,661 182,661 0 805,355 805,35549 118 0 182,661 182,661 0 845,975 845,97550 119 0 182,661 182,661 0 888,647 888,647

51 120 0 182,661 182,661 0 933,474 933,474





YearNet


Equiv. Lev.Dividend

10 47.00 21.70 15.9520 43.17 24.00 19.78

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Premium $6,372.50




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1 70 6,295 248 0 10,023 10,023 10,023 10,023 3,632 3,880 106,3842 71 6,295 5,038 1,742 10,023 20,046 10,023 20,046 9,096 14,134 114,3523 72 6,295 8,494 1,929 10,023 30,069 10,023 30,069 14,876 23,370 123,6004 73 6,295 11,977 2,076 10,023 40,092 10,023 40,092 20,938 32,915 132,9045 74 6,295 15,485 2,283 10,023 50,115 10,023 50,115 27,340 42,825 142,292

6 75 6,295 19,019 2,498 10,023 60,138 10,023 60,138 34,094 53,113 151,8087 76 6,295 22,577 2,722 10,023 70,161 10,023 70,161 41,209 63,786 161,4578 77 6,295 26,161 2,953 10,023 80,184 10,023 80,184 48,695 74,856 171,2489 78 6,295 29,771 3,194 10,023 90,207 10,023 90,207 56,562 86,333 181,186

10 79 6,295 33,413 3,445 10,023 100,230 10,023 100,230 64,824 98,237 191,280

11 80 6,295 36,839 3,704 10,023 110,253 10,023 110,253 73,489 110,328 201,53812 81 6,295 40,212 3,979 7,600 117,853 7,600 117,853 80,192 120,404 208,74313 82 6,295 43,527 4,241 6,611 124,464 6,611 124,464 86,259 129,786 214,88814 83 6,295 46,818 4,491 6,611 131,076 6,611 131,076 92,631 139,449 221,26415 84 6,295 50,087 4,742 6,611 137,687 6,611 137,687 99,305 149,392 227,863

16 85 6,295 53,339 4,998 6,611 144,298 6,611 144,298 106,279 159,618 234,68317 86 6,295 56,655 5,117 6,611 150,909 6,611 150,909 113,463 170,118 241,58718 87 6,295 59,932 5,377 10,023 160,932 10,023 160,932 124,206 184,138 252,75419 88 6,295 63,213 5,608 10,023 170,955 10,023 170,955 135,234 198,447 264,04620 89 6,295 66,548 5,807 10,023 180,978 10,023 180,978 146,518 213,066 275,429

21 90 6,295 70,069 5,900 9,116 190,094 9,116 190,094 157,144 227,213 285,75322 91 6,295 74,069 5,607 3,016 193,110 3,016 193,110 161,764 235,833 288,57623 92 6,295 78,534 5,370 3,016 196,125 3,016 196,125 166,298 244,832 291,06624 93 6,295 83,557 5,119 3,016 199,141 3,016 199,141 170,671 254,228 293,22725 94 6,295 89,382 4,833 3,016 202,156 3,016 202,156 174,836 264,218 295,031

26 95 0 90,789 4,242 0 202,156 0 202,156 181,830 272,619 299,84727 96 0 92,340 4,103 0 202,156 0 202,156 189,039 281,379 304,38028 97 0 94,169 3,899 0 202,156 0 202,156 196,683 290,852 308,62029 98 0 96,641 3,471 0 202,156 0 202,156 205,317 301,958 312,33230 99 0 100,000 2,903 0 202,156 0 202,156 215,356 315,356 315,356

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31 100 0 100,000 15,875 0 202,156 0 202,156 231,231 331,231 331,23132 101 0 100,000 16,677 0 202,156 0 202,156 247,908 347,908 347,90833 102 0 100,000 17,519 0 202,156 0 202,156 265,428 365,428 365,42834 103 0 100,000 18,404 0 202,156 0 202,156 283,832 383,832 383,83235 104 0 100,000 19,334 0 202,156 0 202,156 303,165 403,165 403,165

36 105 0 100,000 20,310 0 202,156 0 202,156 323,475 423,475 423,47537 106 0 100,000 21,335 0 202,156 0 202,156 344,811 444,811 444,81138 107 0 100,000 22,413 0 202,156 0 202,156 367,224 467,224 467,22439 108 0 100,000 23,545 0 202,156 0 202,156 390,768 490,768 490,76840 109 0 100,000 24,734 0 202,156 0 202,156 415,502 515,502 515,502

41 110 0 100,000 25,983 0 202,156 0 202,156 441,485 541,485 541,48542 111 0 100,000 27,295 0 202,156 0 202,156 468,780 568,780 568,78043 112 0 100,000 28,673 0 202,156 0 202,156 497,453 597,453 597,45344 113 0 100,000 30,121 0 202,156 0 202,156 527,575 627,575 627,57545 114 0 100,000 31,643 0 202,156 0 202,156 559,217 659,217 659,217

46 115 0 100,000 33,240 0 202,156 0 202,156 592,458 692,458 692,45847 116 0 100,000 34,919 0 202,156 0 202,156 627,377 727,377 727,37748 117 0 100,000 36,683 0 202,156 0 202,156 664,059 764,059 764,05949 118 0 100,000 38,535 0 202,156 0 202,156 702,594 802,594 802,59450 119 0 100,000 40,481 0 202,156 0 202,156 743,075 843,075 843,075

51 120 0 100,000 42,525 0 202,156 0 202,156 785,601 885,601 885,601


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70 Year Old Male



(800) 441-6455

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Narrative Summary

















Year 1 To 12Year 13 To 13

Scheduled:$100.00$100.00

Unscheduled:$2,851.00$1,690.66




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Narrative Summary





















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Narrative Summary
















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Numeric Summary








1 70 11,254 3,187 104,545 11,254 3,187 104,545 11,254 3,187 104,545

5 74 11,254 33,341 121,715 11,254 45,711 138,147 11,254 39,442 129,829

6 75 11,254 40,611 125,779 11,254 56,833 147,307 11,254 48,575 136,360

10 79 11,254 70,091 141,245 11,254 105,279 186,047 11,254 87,034 162,841

11 80 11,254 76,913 144,935 11,254 117,833 196,374 11,254 96,517 169,604

16 85 8,303 100,181 150,728 8,303 175,722 240,187 8,303 135,399 192,472

20 89 8,303 113,468 150,728 8,303 221,893 274,274 8,303 162,843 207,030

21 90 8,303 116,979 150,728 8,303 233,982 282,962 8,303 169,940 210,625







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1 70 11,254 3,187 104,545 11,254 3,187 104,545 11,254 3,187 104,5452 71 11,254 11,883 108,984 11,254 14,545 111,646 11,254 13,214 110,3153 72 11,254 18,980 113,322 11,254 24,604 120,344 11,254 21,779 116,8204 73 11,254 26,129 117,564 11,254 34,972 129,170 11,254 30,510 123,3215 74 11,254 33,341 121,715 11,254 45,711 138,147 11,254 39,442 129,829

6 75 11,254 40,611 125,779 11,254 56,833 147,307 11,254 48,575 136,3607 76 11,254 47,944 129,760 11,254 68,353 156,656 11,254 57,916 142,9178 77 11,254 55,318 133,662 11,254 80,269 166,212 11,254 67,451 149,5089 78 11,254 62,708 137,489 11,254 92,580 176,001 11,254 77,163 156,146

10 79 11,254 70,091 141,245 11,254 105,279 186,047 11,254 87,034 162,841

11 80 11,254 76,913 144,935 11,254 117,833 196,374 11,254 96,517 169,60412 81 11,254 83,649 148,562 11,254 130,736 207,009 11,254 106,090 176,44513 82 10,094 89,203 150,728 10,094 142,866 216,521 10,094 114,643 181,94914 83 8,303 92,964 150,728 8,303 153,571 224,155 8,303 121,540 185,38215 84 8,303 96,627 150,728 8,303 164,531 232,046 8,303 128,466 188,891

16 85 8,303 100,181 150,728 8,303 175,722 240,187 8,303 135,399 192,47217 86 8,303 103,621 150,728 8,303 187,053 248,500 8,303 142,294 196,08718 87 8,303 106,957 150,728 8,303 198,540 256,985 8,303 149,161 199,73419 88 8,303 110,221 150,728 8,303 210,149 265,592 8,303 155,999 203,38920 89 8,303 113,468 150,728 8,303 221,893 274,274 8,303 162,843 207,030

21 90 8,303 116,979 150,728 8,303 233,982 282,962 8,303 169,940 210,62522 91 8,303 120,816 150,728 8,303 246,351 291,483 8,303 177,297 214,09823 92 8,303 125,207 150,728 8,303 259,135 299,711 8,303 185,101 217,39524 93 8,303 130,499 150,728 8,303 272,573 307,500 8,303 193,649 220,45125 94 8,303 137,244 150,728 8,303 287,110 314,686 8,303 203,441 223,189

26 95 0 138,685 150,728 0 295,450 320,644 0 207,457 225,30927 96 0 140,438 150,728 0 304,337 326,258 0 211,880 227,27328 97 0 142,720 150,728 0 314,105 331,459 0 216,994 229,07629 98 0 145,915 150,728 0 325,357 335,949 0 223,303 230,62030 99 0 150,728 150,728 0 339,218 339,218 0 231,734 231,734

31 100 0 150,728 150,728 0 356,298 356,298 0 237,560 237,56032 101 0 150,728 150,728 0 374,242 374,242 0 243,534 243,53433 102 0 150,728 150,728 0 393,091 393,091 0 249,658 249,65834 103 0 150,728 150,728 0 412,892 412,892 0 255,937 255,93735 104 0 150,728 150,728 0 433,693 433,693 0 262,374 262,374

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36 105 0 150,728 150,728 0 455,544 455,544 0 268,974 268,97437 106 0 150,728 150,728 0 478,499 478,499 0 275,741 275,74138 107 0 150,728 150,728 0 502,614 502,614 0 282,678 282,67839 108 0 150,728 150,728 0 527,946 527,946 0 289,791 289,79140 109 0 150,728 150,728 0 554,557 554,557 0 297,083 297,083

41 110 0 150,728 150,728 0 582,512 582,512 0 304,559 304,55942 111 0 150,728 150,728 0 611,879 611,879 0 312,224 312,22443 112 0 150,728 150,728 0 642,729 642,729 0 320,083 320,08344 113 0 150,728 150,728 0 675,136 675,136 0 328,140 328,14045 114 0 150,728 150,728 0 709,181 709,181 0 336,401 336,401

46 115 0 150,728 150,728 0 744,944 744,944 0 344,870 344,87047 116 0 150,728 150,728 0 782,514 782,514 0 353,553 353,55348 117 0 150,728 150,728 0 821,981 821,981 0 362,455 362,45549 118 0 150,728 150,728 0 863,441 863,441 0 371,582 371,58250 119 0 150,728 150,728 0 906,995 906,995 0 380,939 380,939

51 120 0 150,728 150,728 0 952,748 952,748 0 390,533 390,533

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Tabular Detail








1 70 11,254 3,187 104,545 11,254 3,187 104,5452 71 11,254 11,883 108,984 11,254 14,545 111,6463 72 11,254 18,980 113,322 11,254 24,604 120,3444 73 11,254 26,129 117,564 11,254 34,972 129,1705 74 11,254 33,341 121,715 11,254 45,711 138,147

6 75 11,254 40,611 125,779 11,254 56,833 147,3077 76 11,254 47,944 129,760 11,254 68,353 156,6568 77 11,254 55,318 133,662 11,254 80,269 166,2129 78 11,254 62,708 137,489 11,254 92,580 176,001

10 79 11,254 70,091 141,245 11,254 105,279 186,047

11 80 11,254 76,913 144,935 11,254 117,833 196,37412 81 11,254 83,649 148,562 11,254 130,736 207,00913 82 10,094 89,203 150,728 10,094 142,866 216,52114 83 8,303 92,964 150,728 8,303 153,571 224,15515 84 8,303 96,627 150,728 8,303 164,531 232,046

16 85 8,303 100,181 150,728 8,303 175,722 240,18717 86 8,303 103,621 150,728 8,303 187,053 248,50018 87 8,303 106,957 150,728 8,303 198,540 256,98519 88 8,303 110,221 150,728 8,303 210,149 265,59220 89 8,303 113,468 150,728 8,303 221,893 274,274

21 90 8,303 116,979 150,728 8,303 233,982 282,96222 91 8,303 120,816 150,728 8,303 246,351 291,48323 92 8,303 125,207 150,728 8,303 259,135 299,71124 93 8,303 130,499 150,728 8,303 272,573 307,50025 94 8,303 137,244 150,728 8,303 287,110 314,686

26 95 0 138,685 150,728 0 295,450 320,64427 96 0 140,438 150,728 0 304,337 326,25828 97 0 142,720 150,728 0 314,105 331,45929 98 0 145,915 150,728 0 325,357 335,94930 99 0 150,728 150,728 0 339,218 339,218

31 100 0 150,728 150,728 0 356,298 356,29832 101 0 150,728 150,728 0 374,242 374,24233 102 0 150,728 150,728 0 393,091 393,09134 103 0 150,728 150,728 0 412,892 412,89235 104 0 150,728 150,728 0 433,693 433,693

36 105 0 150,728 150,728 0 455,544 455,54437 106 0 150,728 150,728 0 478,499 478,49938 107 0 150,728 150,728 0 502,614 502,61439 108 0 150,728 150,728 0 527,946 527,94640 109 0 150,728 150,728 0 554,557 554,557

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Tabular Detail




41 110 0 150,728 150,728 0 582,512 582,51242 111 0 150,728 150,728 0 611,879 611,87943 112 0 150,728 150,728 0 642,729 642,72944 113 0 150,728 150,728 0 675,136 675,13645 114 0 150,728 150,728 0 709,181 709,181

46 115 0 150,728 150,728 0 744,944 744,94447 116 0 150,728 150,728 0 782,514 782,51448 117 0 150,728 150,728 0 821,981 821,98149 118 0 150,728 150,728 0 863,441 863,44150 119 0 150,728 150,728 0 906,995 906,995

51 120 0 150,728 150,728 0 952,748 952,748





YearNet


Equiv. Lev.Dividend

10 58.17 28.83 24.8620 52.90 32.93 30.13

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Premium $6,372.50




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1 70 8,303 317 0 11,254 11,254 11,254 11,254 2,870 3,187 104,5452 71 8,303 6,077 2,662 11,254 22,508 11,254 22,508 8,468 14,545 111,6463 72 8,303 10,176 2,902 11,254 33,762 11,254 33,762 14,428 24,604 120,3444 73 8,303 14,267 3,095 11,254 45,016 11,254 45,016 20,705 34,972 129,1705 74 8,303 18,362 3,338 11,254 56,270 11,254 56,270 27,349 45,711 138,147

6 75 8,303 22,459 3,594 11,254 67,524 11,254 67,524 34,374 56,833 147,3077 76 8,303 26,564 3,858 11,254 78,778 11,254 78,778 41,789 68,353 156,6568 77 8,303 30,660 4,142 11,254 90,032 11,254 90,032 49,609 80,269 166,2129 78 8,303 34,728 4,450 11,254 101,286 11,254 101,286 57,852 92,580 176,001

10 79 8,303 38,753 4,778 11,254 112,540 11,254 112,540 66,526 105,279 186,047

11 80 8,303 42,184 5,127 11,254 123,794 11,254 123,794 75,649 117,833 196,37412 81 8,303 45,505 5,500 11,254 135,048 11,254 135,048 85,231 130,736 207,00913 82 8,303 48,740 5,844 10,094 145,142 10,094 145,142 94,126 142,866 216,52114 83 8,303 51,902 6,096 5,840 150,982 5,840 150,982 99,115 151,017 221,01215 84 8,303 54,987 6,330 5,840 156,822 5,840 156,822 104,343 159,330 225,735

16 85 8,303 57,987 6,560 5,840 162,662 5,840 162,662 109,794 167,781 230,67617 86 8,303 60,902 6,714 5,840 168,503 5,840 168,503 115,382 176,284 235,75618 87 8,303 63,743 6,881 5,840 174,343 5,840 174,343 121,110 184,853 240,97119 88 8,303 66,541 7,047 8,303 182,646 8,303 182,646 129,464 196,005 249,21520 89 8,303 69,350 7,177 8,303 190,949 8,303 190,949 137,938 207,288 257,529

21 90 8,303 72,448 7,240 8,303 199,252 8,303 199,252 146,467 218,915 265,84422 91 8,303 75,881 7,141 8,303 207,555 8,303 207,555 154,940 230,821 273,99223 92 8,303 79,868 6,938 8,303 215,858 8,303 215,858 163,270 243,138 281,85124 93 8,303 84,746 6,600 8,303 224,161 8,303 224,161 171,359 256,105 289,27625 94 8,303 91,054 6,110 8,303 232,464 8,303 232,464 179,107 270,161 296,104

26 95 0 92,010 5,009 0 232,464 0 232,464 185,996 278,006 301,71327 96 0 93,173 4,845 0 232,464 0 232,464 193,192 286,365 306,99328 97 0 94,687 4,536 0 232,464 0 232,464 200,867 295,554 311,88329 98 0 96,807 3,967 0 232,464 0 232,464 209,331 306,138 316,10530 99 0 100,000 2,942 0 232,464 0 232,464 219,177 319,177 319,177

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31 100 0 100,000 16,068 0 232,464 0 232,464 235,246 335,246 335,24632 101 0 100,000 16,880 0 232,464 0 232,464 252,126 352,126 352,12633 102 0 100,000 17,732 0 232,464 0 232,464 269,858 369,858 369,85834 103 0 100,000 18,628 0 232,464 0 232,464 288,486 388,486 388,48635 104 0 100,000 19,569 0 232,464 0 232,464 308,054 408,054 408,054

36 105 0 100,000 20,557 0 232,464 0 232,464 328,611 428,611 428,61137 106 0 100,000 21,595 0 232,464 0 232,464 350,206 450,206 450,20638 107 0 100,000 22,685 0 232,464 0 232,464 372,891 472,891 472,89139 108 0 100,000 23,831 0 232,464 0 232,464 396,722 496,722 496,72240 109 0 100,000 25,034 0 232,464 0 232,464 421,757 521,757 521,757

41 110 0 100,000 26,299 0 232,464 0 232,464 448,056 548,056 548,05642 111 0 100,000 27,627 0 232,464 0 232,464 475,682 575,682 575,68243 112 0 100,000 29,022 0 232,464 0 232,464 504,704 604,704 604,70444 113 0 100,000 30,488 0 232,464 0 232,464 535,192 635,192 635,19245 114 0 100,000 32,027 0 232,464 0 232,464 567,219 667,219 667,219

46 115 0 100,000 33,645 0 232,464 0 232,464 600,864 700,864 700,86447 116 0 100,000 35,344 0 232,464 0 232,464 636,207 736,207 736,20748 117 0 100,000 37,128 0 232,464 0 232,464 673,336 773,336 773,33649 118 0 100,000 39,003 0 232,464 0 232,464 712,339 812,339 812,33950 119 0 100,000 40,973 0 232,464 0 232,464 753,312 853,312 853,312

51 120 0 100,000 43,042 0 232,464 0 232,464 796,355 896,355 896,355


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Whole Life 95 Illustration 10 Year Old Female - Prosperity Thinkers

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Transcript of Whole Life 95 Illustration 10 Year Old Female - Prosperity Thinkers