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%
Retained Capital Analysis: Non - Financed Policy:
Financed Policy:
Summary of Retained Capital:
Year
Annual Outlay
Net Death Benefit
IRR of DB
Annual Net Outlay
Annual Ret Capital
Total Ret Capital
Net Death Benefit
IRR of DB
1
$67,514
$10,000,000
14711.74%
$16,684
$50,830
$53,880
$10,068,016
60245.34%
2
$67,514
$10,000,000
1068.38%
$27,090
$40,424
$99,962
$10,051,896
Assumed ROR:
6.00%
2275.40%
Year
Total Retained Capital $165,144
3
$67,514
$10,000,000
392.03%
$40,635
$26,879
$134,451
$10,069,116
685.60%
5
4
$67,514
$10,000,000
218.33%
$54,180
$13,334
$156,653
$10,122,361
347.03%
10
$36,925
5
$67,514
$10,000,000
145.17%
$68,370
-$856
$165,144
$10,214,534
217.48%
15
$176,947
6
$67,514
$10,000,000
106.38%
$83,850
-$16,336
$157,737
$10,348,770
152.81%
20
$640,213
7
$67,514
$10,000,000
82.72%
$99,330
-$31,816
$133,476
$10,528,458
114.99%
25
$1,260,167
8
$67,514
$10,000,000
66.96%
$102,039
-$34,525
$104,888
$10,759,791
90.68%
30
$2,089,806
9
$67,514
$10,000,000
55.75%
$103,845
-$36,331
$72,671
$11,009,760
73.86%
35
$3,200,049
10
$67,514
$10,000,000
47.46%
$105,350
-$37,836
$36,925
$11,279,864
61.73%
40
$4,685,805
11
$67,514
$10,000,000
41.09%
$105,350
-$37,836
-$966
$11,571,727
52.63%
45
$6,674,082 $9,334,844 $12,895,545
12
$67,514
$10,000,000
36.05%
$106,855
-$39,341
-$42,725
$11,887,101
45.62%
50
13
$67,514
$10,000,000
31.97%
$0
$67,514
$26,276
$11,736,601
39.64%
55
14
$67,514
$10,000,000
28.62%
$0
$67,514
$99,417
$11,578,576
34.86%
15
$67,514
$10,000,000
25.82%
$0
$67,514
$176,947
$11,412,650
30.97%
16
$67,514
$10,000,000
23.45%
$0
$67,514
$259,129
$11,238,427
27.76%
17
$67,514
$10,000,000
21.42%
$0
$67,514
$346,242
$11,055,493
25.06%
18
$67,514
$10,000,000
19.66%
$0
$67,514
$438,581
$10,863,413
22.78%
19
$67,514
$10,000,000
18.13%
$0
$67,514
$536,461
$10,661,729
20.82%
20
$67,514
$10,000,000
16.78%
$0
$67,514
$640,213
$9,928,783
19.18%
21
$67,514
$10,000,000
15.59%
$0
$67,514
$750,191
$9,159,190
17.79%
22
$67,514
$10,000,000
14.53%
$0
$67,514
$866,767
$8,351,118
16.61%
23
$67,514
$10,000,000
13.57%
$0
$67,514
$990,338
$7,502,642
15.59%