TM

Expect more from Life

TM

Expect more from Life

TM

Expect more from Life

TM

Expect more from Life

Couple in their early 30’s

Looking to provide a life long benefit for their newborn child

Want a product that can adapt to the child’s many life stages

Affordability is an issue

Death Benefit Protection until the child reaches adulthood

College expenses for 4 years (child age 18 to 21)

Death Benefit Protection (adulthood)

First home purchase (age 30)

Second home (age 45)

Retirement income (age 65 and on)

Access to Death Benefit (while living)

Male, Age 1, Verified Standard NT

Check-O-Matic Premium ($100/month)

$200,000 Face Amount

Option B (increasing) Death Benefit

Guaranteed Insurability Rider ($50k)

Accelerated Benefit Riders – No Cost

Life Insurance input parameters

Child begins 4 years of college at age 18

Parents take annual loans against the cash value to supplement tuition costs

Produces 4 separate income tax-free distributions totaling $48k

At age 30, child takes a loan of $25k from the cash value for a down payment on his first home

At age 45, child purchases a vacation home with a second loan of $100k

Distributions are received income tax-free

At age 65, child takes distributions to supplement retirement income

Insurance illustration calculates tax free income taken as loans at age 65 to be $154,979 per year

Distributions continue until age 120

Initial face amount provides death benefit protection for parents

Transfer of policy provides death benefit protection for child’s family

DB is over $700,000 by mid 50’s

Scheduled Premium Payments

• From age 1 to age 5 $100 per month

• From age 6 to age 10 $150 per month

• From age 11 to age 17 $200 per month

Scheduled Income

• From age 18 to age 21 $12,000 / year for 4 years college

• At age 30 $25,000 for house down payment

• At age 45 $100,000 cash for 2nd home

• At age 65 to 100 $154,000 annual tax free income

Illustrating Cash Flow Ages 1-20

Illustrating Cash Flow ages 21- 51

Tax Free Income continues to age 120. Death Benefit @ age 100 is $9.1 Million

College Expenses ($12,000 x 4) $48,000Mortgage Down Payment $25,000Vacation Condo $100,000Retirement Income ($155K x 35 yrs ) $5,424,265Total Benefits Received $5,752,244Death Benefit at Age 100 $9,186,477Total Premiums Paid $31,800