Insureds Name(s): Insureds Ages: Gender / Class: Gender / Class:
VC 45 Sample 45
Insurance Carrier: Policy Name: Policy Type: Illustrated Rate:
Male, PPNT
Valued Carrier TBD IUL 6.50%
Net Death Benefit Comparison Analysis: Non - Financed Policy:
Financed Policy:
Year
Annual Outlay
Total Net Outlay
Net Death Benefit
IRR of Death Benefit
Year
Annual Net Outlay
Total Net Outlay
Net Death Benefit
IRR of Death Benefit
1
$67,514
$67,514
$10,000,000
14711.74%
1
$16,684
$16,684
$10,068,016
60245.34%
2
$67,514
$135,028
$10,000,000
1068.38%
2
$27,090
$43,774
$10,051,896
2275.40%
3
$67,514
$202,542
$10,000,000
392.03%
3
$40,635
$84,409
$10,069,116
685.60%
4
$67,514
$270,056
$10,000,000
218.33%
4
$54,180
$138,589
$10,122,361
347.03%
5
$67,514
$337,570
$10,000,000
145.17%
5
$68,370
$206,959
$10,214,534
217.48%
6
$67,514
$405,084
$10,000,000
106.38%
6
$83,850
$290,809
$10,348,770
152.81%
7
$67,514
$472,598
$10,000,000
82.72%
7
$99,330
$390,139
$10,528,458
114.99%
8
$67,514
$540,112
$10,000,000
66.96%
8
$102,039
$492,178
$10,759,791
90.68%
9
$67,514
$607,626
$10,000,000
55.75%
9
$103,845
$596,023
$11,009,760
73.86%
10
$67,514
$675,140
$10,000,000
47.46%
10
$105,350
$701,373
$11,279,864
61.73%
11
$67,514
$742,654
$10,000,000
41.09%
11
$105,350
$806,723
$11,571,727
52.63%
12
$67,514
$810,168
$10,000,000
36.05%
12
$106,855
$913,578
$11,887,101
45.62%
13
$67,514
$877,682
$10,000,000
31.97%
13
$0
$913,578
$11,736,601
39.64%
14
$67,514
$945,196
$10,000,000
28.62%
14
$0
$913,578
$11,578,576
34.86%
15
$67,514
$1,012,710
$10,000,000
25.82%
15
$0
$913,578
$11,412,650
30.97%
16
$67,514
$1,080,224
$10,000,000
23.45%
16
$0
$913,578
$11,238,427
27.76%
17
$67,514
$1,147,738
$10,000,000
21.42%
17
$0
$913,578
$11,055,493
25.06%
18
$67,514
$1,215,252
$10,000,000
19.66%
18
$0
$913,578
$10,863,413
22.78%
19
$67,514
$1,282,766
$10,000,000
18.13%
19
$0
$913,578
$10,661,729
20.82%
20
$67,514
$1,350,280
$10,000,000
16.78%
20
$0
$913,578
$10,449,960
19.13%
21
$67,514
$1,417,794
$10,000,000
15.59%
21
$0
$913,578
$10,227,603
17.64%
22
$67,514
$1,485,308
$10,000,000
14.53%
22
$0
$913,578
$9,994,128
16.33%
23
$67,514
$1,552,822
$10,000,000
13.57%
23
$0
$913,578
$9,748,979
15.16%