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