Premium Finance Worksheet Prepared for: Valued Client Income Bank: TBD
Product: Allianz Life Pro +
LOAN PROJECTIONS Year Age
INSURANCE & COLLATERAL PROJECTIONS
Capital Borrowed
Loan Interest Rate
Interest Due
Interest Paid
Additional Out of Pocket
Interest Accrued
End of Year Loan
Premiums / Supplemental Cash Flow
Cash Surrender Value
Premium Deposit Account (EOY)
Collateral Shortfall
Death Benefit
Death Benefit After Loan
1
46
$500,000.00
3.78%
$18,900.00
-$18,900.00
$0.00
$0.00
$500,000.00
$500,000.00
$144,831.00
$0.00
-$355,169.00
$10,991,931.00
$10,491,931.00
2
47
$500,000.00
4.49%
$44,900.00
-$44,900.00
$0.00
$0.00
$1,000,000.00
$500,000.00
$629,847.00
$0.00
-$370,153.00
$11,472,626.00
$10,472,626.00
3
48
$500,000.00
4.61%
$69,150.00
-$69,150.00
$0.00
$0.00
$1,500,000.00
$500,000.00
$1,146,877.00
$0.00
-$353,123.00
$11,985,123.00
$10,485,123.00
4
49
$500,000.00
4.61%
$92,200.00
-$92,200.00
$0.00
$0.00
$2,000,000.00
$500,000.00
$1,698,353.00
$0.00
-$301,647.00
$12,531,857.00
$10,531,857.00
5
50
$500,000.00
4.61%
$115,250.00
-$115,250.00
$0.00
$0.00
$2,500,000.00
$500,000.00
$2,286,323.00
$0.00
-$213,677.00
$13,114,977.00
$10,614,977.00
6
51
$500,000.00
4.63%
$138,900.00
-$138,900.00
$0.00
$0.00
$3,000,000.00
$500,000.00
$2,913,145.00
$0.00
-$86,855.00
$13,736,845.00
$10,736,845.00
7
52
$500,000.00
4.66%
$163,100.00
-$163,100.00
$0.00
$0.00
$3,500,000.00
$500,000.00
$3,632,958.00
$0.00
$0.00
$14,400,055.00
$10,900,055.00
8
53
$0.00
4.71%
$164,850.00
-$164,850.00
$0.00
$0.00
$3,500,000.00
$0.00
$3,896,451.00
$0.00
$0.00
$14,606,944.00
$11,106,944.00
9
54
$0.00
4.75%
$166,250.00
-$166,250.00
$0.00
$0.00
$3,500,000.00
$0.00
$4,174,748.00
$0.00
$0.00
$14,828,638.00
$11,328,638.00
10
55
$0.00
4.77%
$166,950.00
-$166,950.00
$0.00
$0.00
$3,500,000.00
$0.00
$4,468,392.00
$0.00
$0.00
$15,065,679.00
$11,565,679.00
11
56
$0.00
4.86%
$170,100.00
-$170,100.00
$0.00
$0.00
$3,500,000.00
$0.00
$4,847,835.00
$0.00
$0.00
$15,388,518.00
$11,888,518.00
12
57
$0.00
4.86%
$170,100.00
-$170,100.00
$0.00
$0.00
$3,500,000.00
$0.00
$5,192,683.00
$0.00
$0.00
$15,733,366.00
$12,233,366.00
13
58
-$3,500,000.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
-$3,500,000.00
$1,864,849.00
$0.00
$0.00
$12,405,532.00
$12,405,532.00
14
59
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$2,050,700.00
$0.00
$0.00
$12,591,383.00
$12,591,383.00
15
60
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$2,251,258.00
$0.00
$0.00
$12,791,941.00
$12,791,941.00
16
61
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$2,483,856.00
$0.00
$0.00
$6,286,411.00
$6,286,411.00
17
62
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$2,737,450.00
$0.00
$0.00
$6,073,698.00
$6,073,698.00
18
63
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$3,013,837.00
$0.00
$0.00
$5,850,348.00
$5,850,348.00
19
64
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$3,315,302.00
$0.00
$0.00
$5,615,832.00
$5,615,832.00
20
65
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$3,169,282.00
$0.00
$0.00
$5,108,114.00
$5,108,114.00
21
66
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$3,027,102.00
$0.00
$0.00
$4,912,177.00
$4,912,177.00
22
67
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,886,893.00
$0.00
$0.00
$4,801,633.00
$4,801,633.00
23
68
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,749,313.00
$0.00
$0.00
$4,688,279.00
$4,688,279.00
24
69
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,615,073.00
$0.00
$0.00
$4,572,016.00
$4,572,016.00
25
70
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,485,014.00
$0.00
$0.00
$4,452,804.00
$4,452,804.00
26
71
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,360,036.00
$0.00
$0.00
$4,330,570.00
$4,330,570.00
27
72
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,242,854.00
$0.00
$0.00
$4,066,892.00
$4,066,892.00
28
73
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,135,496.00
$0.00
$0.00
$3,783,913.00
$3,783,913.00
29
74
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,040,397.00
$0.00
$0.00
$3,480,894.00
$3,480,894.00
30
75
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,960,502.00
$0.00
$0.00
$3,157,248.00
$3,157,248.00
31
76
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,899,313.00
$0.00
$0.00
$2,812,537.00
$2,812,537.00
32
77
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,853,495.00
$0.00
$0.00
$2,828,966.00
$2,828,966.00
33
78
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,824,781.00
$0.00
$0.00
$2,866,581.00
$2,866,581.00
34
79
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,814,991.00
$0.00
$0.00
$2,927,455.00
$2,927,455.00
35
80
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,826,058.00
$0.00
$0.00
$3,013,786.00
$3,013,786.00
36
81
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,859,928.00
$0.00
$0.00
$3,127,795.00
$3,127,795.00
37
82
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,916,726.00
$0.00
$0.00
$3,269,802.00
$3,269,802.00
38
83
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$1,997,663.00
$0.00
$0.00
$3,441,273.00
$3,441,273.00
39
84
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,103,720.00
$0.00
$0.00
$3,643,444.00
$3,643,444.00
40
85
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,235,062.00
$0.00
$0.00
$3,876,705.00
$3,876,705.00
41
86
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,390,410.00
$0.00
$0.00
$4,139,940.00
$4,139,940.00
42
87
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,570,749.00
$0.00
$0.00
$4,434,421.00
$4,434,421.00
43
88
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,774,305.00
$0.00
$0.00
$4,758,537.00
$4,758,537.00
44
89
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$2,997,864.00
$0.00
$0.00
$5,109,175.00
$5,109,175.00
45
90
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$3,237,304.00
$0.00
$0.00
$5,482,282.00
$5,482,282.00
46
91
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$3,486,357.00
$0.00
$0.00
$5,871,569.00
$5,871,569.00
47
92
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$3,809,013.00
$0.00
$0.00
$5,837,425.00
$5,837,425.00
48
93
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$4,232,043.00
$0.00
$0.00
$5,850,569.00
$5,850,569.00
49
94
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$4,791,487.00
$0.00
$0.00
$5,940,862.00
$5,940,862.00
50
95
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$5,534,420.00
$0.00
$0.00
$6,147,601.00
$6,147,601.00
51
96
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$6,516,659.00
$0.00
$0.00
$6,516,659.00
$6,516,659.00
52
97
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$7,633,355.00
$0.00
$0.00
$7,633,355.00
$7,633,355.00
53
98
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$8,897,609.00
$0.00
$0.00
$8,897,609.00
$8,897,609.00
54
99
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$10,323,657.00
$0.00
$0.00
$10,323,657.00
$10,323,657.00
55
100
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$450,000.00
$11,926,956.00
$0.00
$0.00
$11,926,956.00
$11,926,956.00
Totals
-$1,480,650.00
$16,200,000.00
* The life insurance values and projections are not guaranteed ** The financing assumptions are based on an initial loan offer and hypothetical projections; actual interest and collateral requirements Broker Signature may vary Date
Owner Signature Date