Premium Finance Worksheet Prepared for: Valued Client Real Estate 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
$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
$725,000.00
$8,159,509.00
$0.00
$0.00
$18,700,192.00
$18,700,192.00
21
66
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$7,887,453.00
$0.00
$0.00
$17,900,880.00
$17,900,880.00
22
67
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$7,612,782.00
$0.00
$0.00
$17,061,602.00
$17,061,602.00
23
68
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$7,337,293.00
$0.00
$0.00
$16,180,360.00
$16,180,360.00
24
69
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$7,063,887.00
$0.00
$0.00
$15,255,055.00
$15,255,055.00
25
70
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$6,798,166.00
$0.00
$0.00
$14,283,486.00
$14,283,486.00
26
71
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$6,542,668.00
$0.00
$0.00
$13,263,338.00
$13,263,338.00
27
72
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$6,299,143.00
$0.00
$0.00
$12,192,183.00
$12,192,183.00
28
73
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$6,070,058.00
$0.00
$0.00
$11,067,470.00
$11,067,470.00
29
74
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,857,567.00
$0.00
$0.00
$9,886,521.00
$9,886,521.00
30
75
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,664,231.00
$0.00
$0.00
$8,646,525.00
$8,646,525.00
31
76
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,485,364.00
$0.00
$0.00
$7,344,530.00
$7,344,530.00
32
77
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,327,846.00
$0.00
$0.00
$6,268,438.00
$6,268,438.00
33
78
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,195,929.00
$0.00
$0.00
$6,201,698.00
$6,201,698.00
34
79
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,077,037.00
$0.00
$0.00
$6,152,223.00
$6,152,223.00
35
80
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,972,600.00
$0.00
$0.00
$6,121,693.00
$6,121,693.00
36
81
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,883,671.00
$0.00
$0.00
$6,111,404.00
$6,111,404.00
37
82
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,811,105.00
$0.00
$0.00
$6,122,449.00
$6,122,449.00
38
83
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,755,868.00
$0.00
$0.00
$6,156,052.00
$6,156,052.00
39
84
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,718,720.00
$0.00
$0.00
$6,213,229.00
$6,213,229.00
40
85
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,698,758.00
$0.00
$0.00
$6,293,260.00
$6,293,260.00
41
86
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,693,003.00
$0.00
$0.00
$6,393,258.00
$6,393,258.00
42
87
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,701,334.00
$0.00
$0.00
$6,513,348.00
$6,513,348.00
43
88
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,721,103.00
$0.00
$0.00
$6,651,015.00
$6,651,015.00
44
89
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,748,568.00
$0.00
$0.00
$6,802,609.00
$6,802,609.00
45
90
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,779,648.00
$0.00
$0.00
$6,964,137.00
$6,964,137.00
46
91
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,809,797.00
$0.00
$0.00
$7,131,131.00
$7,131,131.00
47
92
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$4,901,811.00
$0.00
$0.00
$6,876,242.00
$6,876,242.00
48
93
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,080,883.00
$0.00
$0.00
$6,656,604.00
$6,656,604.00
49
94
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,380,645.00
$0.00
$0.00
$6,499,789.00
$6,499,789.00
50
95
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$5,844,610.00
$0.00
$0.00
$6,441,723.00
$6,441,723.00
51
96
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$6,523,754.00
$0.00
$0.00
$6,523,754.00
$6,523,754.00
52
97
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$7,318,307.00
$0.00
$0.00
$7,318,307.00
$7,318,307.00
53
98
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$8,240,130.00
$0.00
$0.00
$8,240,130.00
$8,240,130.00
54
99
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$9,302,128.00
$0.00
$0.00
$9,302,128.00
$9,302,128.00
55
100
$0.00
0.00%
$0.00
$0.00
$0.00
$0.00
$0.00
$725,000.00
$10,518,344.00
$0.00
$0.00
$10,518,344.00
$10,518,344.00
Totals
-$807,250.00
$26,100,000.00
* 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