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
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%
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
24
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,572,173
$6,611,742
$6,611,742
$0
25
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,413,788
$5,676,297
$5,676,297
$0
26
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,266,380
$4,694,080
$4,694,080
$0
27
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,134,914
$3,872,919
$3,872,919
$0
28
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,024,189
$3,601,747
$3,601,747
$0
29
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,931,569
$3,316,296
$3,316,296
$0
30
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,859,042
$3,014,547
$3,014,547
$0
31
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,810,647
$2,696,267
$2,696,267
$0
32
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,784,863
$2,735,008
$2,735,008
$0
33
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,784,494
$2,803,723
$2,803,723
$0
34
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,812,533
$2,905,724
$2,905,724
$0
35
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,872,231
$3,044,594
$3,044,594
$0
36
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$1,966,918
$3,224,012
$3,224,012
$0
37
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,099,761
$3,447,493
$3,447,493
$0
38
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,274,414
$3,719,074
$3,719,074
$0
39
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,494,636
$4,042,913
$4,042,913
$0
40
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$2,762,736
$4,421,655
$4,421,655
$0
41
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$3,079,639
$4,856,500
$4,856,500
$0
42
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$3,448,695
$5,351,212
$5,351,212
$0
43
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$3,871,343
$5,907,556
$5,907,556
$0
44
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$4,346,468
$6,524,628
$6,524,628
$0
45
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$4,872,753
$7,201,328
$7,201,328
$0
46
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$5,446,669
$7,934,245
$7,934,245
$0
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%
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
47
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$6,127,441
$8,254,190
$8,254,190
$0
48
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$6,944,271
$8,650,035
$8,650,035
$0
49
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$7,937,445
$9,154,823
$9,154,823
$0
50
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$9,159,360
$9,811,946
$9,811,946
$0
51
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$10,674,009
$10,674,009
$10,674,009
$0
52
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$12,387,849
$12,387,849
$12,387,849
$0
53
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$14,320,786
$14,320,786
$14,320,786
$0
54
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$16,494,522
$16,494,522
$16,494,522
$0
55
$0
0.00%
$0
$0
$0
$0
$0
$496,359
$18,932,707
$18,932,707
$18,932,707
$0
Totals
$913,578
$17,868,924
Hypothetical and for Illustrative purposes only. Actual results will vary. Please consult your tax and legal advisor regarding all matters of tax and legal nature.