VC 45 Sample 45
Insureds Name(s): Insureds Ages: Gender / Class: Gender / Class:
Insurance Carrier: Policy Name: Policy Type: Illustrated Rate:
Male, PPNT
Valued Carrier TBD IUL 6.50%
Loan Analysis: Projected Loan Scenario for Financed Policy: Year
Premium Loan Borrowed Interest Rate
Projected Life Policy Details:
Interest Due
Interest Paid
Additional Paid
Interest Accrued
End of Premium/ Year Loan Cash Flow
Cash Sur Value
Death Benefit
Net Death Benefit
Collateral Needed
1
$430,000
3.88%
$16,684
-$16,684
$0
$0
$430,000
$430,000
$88,983
$10,498,016
$10,068,016
-$372,902
2
$430,000
3.15%
$27,090
-$27,090
$0
$0
$860,000
$430,000
$507,010
$10,911,896
$10,051,896
-$385,995
3
$430,000
3.15%
$40,635
-$40,635
$0
$0
$1,290,000
$430,000
$958,579
$11,359,116
$10,069,116
-$362,409
4
$430,000
3.15%
$54,180
-$54,180
$0
$0
$1,720,000
$430,000
$1,446,376
$11,842,361
$10,122,361
-$299,208
5
$430,000
3.18%
$68,370
-$68,370
$0
$0
$2,150,000
$430,000
$1,973,201
$12,364,534
$10,214,534
-$193,330
6
$430,000
3.25%
$83,850
-$83,850
$0
$0
$2,580,000
$430,000
$2,542,191
$12,928,770
$10,348,770
-$37,809
7
$430,000
3.30%
$99,330
-$99,330
$0
$0
$3,010,000
$430,000
$3,156,734
$13,538,458
$10,528,458
$0
8
$0
3.39%
$102,039
-$102,039
$0
$0
$3,010,000
$0
$3,432,574
$13,769,791
$10,759,791
$0
9
$0
3.45%
$103,845
-$103,845
$0
$0
$3,010,000
$0
$3,726,947
$14,019,760
$11,009,760
$0
10
$0
3.50%
$105,350
-$105,350
$0
$0
$3,010,000
$0
$4,041,558
$14,289,864
$11,279,864
$0
11
$0
3.50%
$105,350
-$105,350
$0
$0
$3,010,000
$0
$4,377,825
$14,581,727
$11,571,727
$0
12
$0
3.55%
$106,855
-$106,855
$0
$0
$3,010,000
$0
$4,737,705
$14,897,101
$11,887,101
$0
13
-$3,010,000
0.00%
$0
$0
$0
$0
$0
-$3,010,000
$1,940,174
$11,736,601
$11,736,601
$0
14
$0
0.00%
$0
$0
$0
$0
$0
$0
$2,125,973
$11,578,576
$11,578,576
$0
15
$0
0.00%
$0
$0
$0
$0
$0
$0
$2,329,704
$11,412,650
$11,412,650
$0
16
$0
0.00%
$0
$0
$0
$0
$0
$0
$2,573,902
$11,238,427
$11,238,427
$0
17
$0
0.00%
$0
$0
$0
$0
$0
$0
$2,840,293
$11,055,493
$11,055,493
$0
18
$0
0.00%
$0
$0
$0
$0
$0
$0
$3,130,718
$10,863,413
$10,863,413
$0
19
$0
0.00%
$0
$0
$0
$0
$0
$0
$3,446,972
$10,661,729
$10,661,729
$0
20
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$3,266,785
$9,928,783
$9,928,783
$0
21
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$3,087,588
$9,159,190
$9,159,190
$0
22
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,910,884
$8,351,118
$8,351,118
$0
23
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,738,423
$7,502,642
$7,502,642
$0