Premium Finance Worksheet: Retained Capital Prepared for:
Valued Client Spouse Age 41 Female, Preferred Plus NT Product: IUL @ 7.5%
Retained Capital Analysis Annual Net Outlay
Annual Retained Capital
Summary of Retained Capital
Total Retained Capital
Net Death Benefit
$1,303
$1,400
$7,500,000
$1,303
$2,906
$7,500,000
$1,303
$4,524
$7,500,000
$6,299
$11,635
$7,500,000
$47,337
$11,822
$25,216
$7,500,000
$49,967
$14,452
$42,643
$7,500,000
$35,515
$52,597
$17,082
$64,204
$7,500,000
49
$35,515
$55,226
$19,711
$90,209
$7,500,000
9
50
$35,515
$57,856
$22,341
$120,991
$7,500,000
10
51
$35,515
$60,486
$24,971
$156,909
$7,500,000
11
52
$35,515
$0
$35,515
$130,499
$7,500,000
12
53
$35,515
$0
$35,515
$102,108
$7,500,000
13
54
$35,515
$0
$35,515
$71,587
$7,500,000
14
55
$35,515
$0
$35,515
$38,778
$7,500,000
15
56
$35,515
$0
$35,515
$3,507
$7,500,000
16
57
$35,515
$0
$35,515
$34,408
$7,500,000
17
58
$35,515
$0
$35,515
$75,168
$7,500,000
18
59
$35,515
$0
$35,515
$118,984
$7,500,000
19
60
$35,515
$0
$35,515
$166,086
$7,500,000
20
61
$35,515
$0
$35,515
$216,721
$7,500,000
21
62
$35,515
$0
$35,515
$271,154
$7,500,000
22
63
$35,515
$0
$35,515
$329,669
$7,500,000
23
64
$35,515
$0
$35,515
$392,573
$7,500,000
24
65
$35,515
$0
$35,515
$460,195
$7,500,000
25
66
$35,515
$0
$35,515
$532,888
$7,500,000
26
67
$35,515
$0
$35,515
$611,033
$7,500,000
27
68
$35,515
$0
$35,515
$695,039
$7,500,000
28
69
$35,515
$0
$35,515
$785,346
$7,500,000
29
70
$35,515
$0
$35,515
$882,425
$7,500,000
30
71
$35,515
$0
$35,515
$986,786
$7,500,000
31
72
$35,515
$0
$35,515
$1,098,973
$7,500,000
32
73
$35,515
$0
$35,515
$1,219,575
$7,500,000
33
74
$35,515
$0
$35,515
$1,349,222
$7,500,000
34
75
$35,515
$0
$35,515
$1,488,592
$7,500,000
35
76
$35,515
$0
$35,515
$1,638,415
$7,500,000
36
77
$35,515
$0
$35,515
$1,799,475
$7,500,000
37
78
$35,515
$0
$35,515
$1,972,614
$7,500,000
38
79
$35,515
$0
$35,515
$2,158,739
$7,500,000
39
80
$35,515
$0
$35,515
$2,358,823
$7,500,000
40
81
$35,515
$0
$35,515
$2,573,913
$7,500,000
41
82
$35,515
$0
$35,515
$2,805,135
$7,500,000
42
83
$35,515
$0
$35,515
$3,053,699
$7,500,000
43
84
$35,515
$0
$35,515
$3,320,905
$7,500,000
44
85
$35,515
$0
$35,515
$3,608,151
$7,500,000
45
86
$35,515
$0
$35,515
$3,916,941
$7,500,000
46
87
$35,515
$0
$35,515
$4,248,890
$7,500,000
47
88
$35,515
$0
$35,515
$4,605,736
$7,500,000
48
89
$35,515
$0
$35,515
$4,989,345
$7,500,000
49
90
$35,515
$0
$35,515
$5,401,724
$7,500,000
50
91
$35,515
$0
$35,515
$5,845,032
$7,500,000
51
92
$35,515
$0
$35,515
$6,321,588
$7,500,000
Year
Age
Non-Financed
Financed
1
42
$35,515
$36,818
2
43
$35,515
$36,818
3
44
$35,515
$36,818
4
45
$35,515
$41,814
5
46
$35,515
6
47
$35,515
7
48
8
Assumed ROR
7.5%
Year 5 10 15 20 25 30 35 40 45 50 55 59
Total Retained Capital $25,216 $156,909 $3,507 $216,721 $532,888 $986,786 $1,638,415 $2,573,913 $3,916,941 $5,845,032 $8,613,056 $11,673,240