Premium Finance Worksheet Prepared for: Valued Client Real Estate Bank 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
$3,500,000.00
$0.00
$0.00
$0.00
$3,896,451.00
$0.00
$0.00
$14,606,944.00
$14,606,944.00
9
54
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$4,174,748.00
$0.00
$0.00
$14,828,638.00
$14,828,638.00
10
55
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$4,468,392.00
$0.00
$0.00
$15,065,679.00
$15,065,679.00
11
56
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$4,847,835.00
$0.00
$0.00
$15,388,518.00
$15,388,518.00
12
57
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$5,192,683.00
$0.00
$0.00
$15,733,366.00
$15,733,366.00
13
58
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$5,560,980.00
$0.00
$0.00
$16,101,663.00
$16,101,663.00
14
59
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$5,954,349.00
$0.00
$0.00
$16,495,032.00
$16,495,032.00
15
60
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$6,374,498.00
$0.00
$0.00
$16,915,181.00
$16,915,181.00
16
61
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$6,822,556.00
$0.00
$0.00
$17,363,239.00
$17,363,239.00
17
62
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$7,300,363.00
$0.00
$0.00
$17,841,046.00
$17,841,046.00
18
63
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$7,808,958.00
$0.00
$0.00
$18,349,641.00
$18,349,641.00
19
64
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$8,349,939.00
$0.00
$0.00
$18,890,622.00
$18,890,622.00
20
65
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$8,925,136.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
21
66
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$9,461,657.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
22
67
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$10,041,107.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
23
68
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$10,667,995.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
24
69
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$11,348,370.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
25
70
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$12,090,791.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
26
71
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$12,901,049.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
27
72
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$13,784,380.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
28
73
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$14,746,941.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
29
74
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$15,794,812.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
30
75
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$16,934,709.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
31
76
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$18,167,455.00
$0.00
$0.00
$19,465,819.00
$19,465,819.00
32
77
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$19,505,437.00
$0.00
$0.00
$20,480,708.00
$20,480,708.00
33
78
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$20,945,984.00
$0.00
$0.00
$21,993,283.00
$21,993,283.00
34
79
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$22,489,999.00
$0.00
$0.00
$23,614,499.00
$23,614,499.00
35
80
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$24,144,249.00
$0.00
$0.00
$25,351,462.00
$25,351,462.00
36
81
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$25,915,416.00
$0.00
$0.00
$27,211,187.00
$27,211,187.00
37
82
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$27,810,291.00
$0.00
$0.00
$29,200,805.00
$29,200,805.00
38
83
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$29,836,115.00
$0.00
$0.00
$31,327,921.00
$31,327,921.00
39
84
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$32,000,264.00
$0.00
$0.00
$33,600,278.00
$33,600,278.00
40
85
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$34,308,699.00
$0.00
$0.00
$36,024,134.00
$36,024,134.00
41
86
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$36,765,506.00
$0.00
$0.00
$38,603,781.00
$38,603,781.00
42
87
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$39,378,214.00
$0.00
$0.00
$41,347,124.00
$41,347,124.00
43
88
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$42,152,017.00
$0.00
$0.00
$44,259,618.00
$44,259,618.00
44
89
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$45,091,316.00
$0.00
$0.00
$47,345,881.00
$47,345,881.00
45
90
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$48,200,539.00
$0.00
$0.00
$50,610,566.00
$50,610,566.00
46
91
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$51,484,030.00
$0.00
$0.00
$54,058,232.00
$54,058,232.00
47
92
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$55,021,253.00
$0.00
$0.00
$57,222,103.00
$57,222,103.00
48
93
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$58,851,365.00
$0.00
$0.00
$60,616,906.00
$60,616,906.00
49
94
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$63,023,973.00
$0.00
$0.00
$64,284,452.00
$64,284,452.00
50
95
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$67,600,970.00
$0.00
$0.00
$68,276,980.00
$68,276,980.00
51
96
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$72,654,049.00
$0.00
$0.00
$72,654,049.00
$72,654,049.00
52
97
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$78,084,846.00
$0.00
$0.00
$78,084,846.00
$78,084,846.00
53
98
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$83,921,594.00
$0.00
$0.00
$83,921,594.00
$83,921,594.00
54
99
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$90,194,640.00
$0.00
$0.00
$90,194,640.00
$90,194,640.00
55
100
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$96,936,596.00
$0.00
$0.00
$96,936,596.00
$96,936,596.00
Totals
-$807,250.00
* 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