Glen Client's Hypo

James Malafronte
The Benefits Connection

197 Scott Swamp Rd
Farmington, CT 06032
(860) 677-2600 Ext. 139
Fax: (860) 678-1835
E-Mail: james_malafronte@mwfinancial.com
Whole Life 99 Illustration

Prepared for:
Glen Client
Home Office:
The Guardian Life Insurance Company of America
7 Hanover Square
New York, NY 10004
(800) 441-6455
May 11, 2011
Page : 1 of 11
Guardian
Life Insurance Illustration
Narrative Summary
Glen Client, Female Age 5, Non-Smoker
Premium **
Benefit
$394,181
$200,000
Whole Life 99
Paid Up Additions Rider (Scheduled)
GIO
Total First Year Premium
$1,759.50
$600.00
$54.00
___________
$2,413.50
Dividend Option : Paid Up Additions (D)
Plan Overview:
The following is a general description of the proposed benefits. The complete terms and conditions are
shown in the policy.
Whole Life 99:

Dividend Option:

Paid Up Additions
Rider (PUA):

GIO:

Important Notes:
Whole Life Insurance Policy, Generic Form Number: 06-WL.

A permanent life insurance policy with cash value. Qualifies for annual dividends.
Level guaranteed death benefit for the insured's lifetime.
Level guaranteed premium payable to age 99.
Paid Up Additions (D)
Dividends are used to purchase additional paid-up insurance (PUA's). PUA's purchased with
dividends will increase the cash value and the death benefit.
Paid-Up Additional Whole Life Insurance Rider, Generic Form Number: 01-R70 (2001 CSO).
The rider generates dividends, guaranteed cash value and a guaranteed death benefit.
Premiums for this rider may be paid for 94 years.
The policy owner may elect to discontinue premium payments at any time although previously
purchased coverage will continue unless surrendered.
Guaranteed Purchase Option, Generic Form Number: 06-R31
A new policy with a face amount up to $200,000 may be purchased without underwriting on each
option date.
There are eight option dates, which occur every three years, beginning at age 25 and ending at age
46.
An option may be exercised early if the insured gets married, at the birth or adoption of a child or
grandchild, purchases a home, enrolls a child in college or has an increase of 20% or more in annual
compensation.
The premium for this rider is payable for 41 years.
** Premiums, excluding PUA and OYT premiums, are based on an annual mode. PUA and OYT are
based on annual payments. The First Year Premium includes 1 annual scheduled PUA payment of
$600.00. This illustration was run assuming a mode of Annual. Refer to the end of the Tabular Detail
report for the billed amount based on the mode selected.
Guardian's current Individual Life Dividend Scale meets the requirements of the National Association
of Insurance Commissioners (NAIC) Life Insurance Model Regulation and is a Disciplined Current
Scale.
The end-of-year dividend amount is included in the Cash Value of All Adds column, even if a dividend
option other than Paid Up Additions is elected.
Figures depending on dividends are based on the 2011 dividend scale and are not guaranteed. This
illustration assumes that the currently illustrated non-guaranteed elements, including dividends, will
continue unchanged for all years shown. This is not likely to occur and the actual results may be more
or less favorable than those shown.
May 11, 2011 ID:621
Vers: 51.2
Page : 2 of 11
Guardian
Narrative Summary
Dividends can be affected by policy loans. The interest charged on policy loans is payable in advance
and is guaranteed at the effective annual rate of 8.00% for the first 60 years. Thereafter the rate is
5.00%.
The cost of this policy over a period of years cannot be determined without taking into account the
interest that would have been earned on the premiums if they had been invested rather than paid to
Guardian.
The Numeric Summary report shows the values under three sets of assumptions. In each scenario, the
values are based on paying the premium every year and taking no loans or other distributions.
Guaranteed:
The columns show the values assuming that no dividends are ever paid. The guaranteed cash values
are based on an interest rate of 4.00%. The premiums for any riders are shown at their guaranteed
maximum cost.
Current:
Non-Guaranteed (Current) - Current values are non-guaranteed. The columns show the values based
on the 2011 dividend scale. The premiums for any riders are shown at their non-guaranteed scheduled
rate.

Intermediate:
The Annual Premium column shows the maximum annual premium for the base policy and any riders
at the beginning of the year.
The Cash Value column shows the guaranteed cash surrender value of the base policy and any riders
at the end of the year.
The Death Benefit column shows the guaranteed death benefit of the base policy and any riders at the
end of the year.
The Net Premium column shows the amount paid (or received) at the beginning of the year based on
current assumptions.
The Cash Value column shows the values at the end of the year based on current assumptions.
The Death Benefit column shows the death benefit at the end of the year based on current
assumptions.
Non-Guaranteed (Intermediate) - The columns show the values assuming dividends at 50% of the
dividends contained in the current illustrated scale. The premiums for any riders are shown at a rate
half way between the non-guaranteed scheduled rate and the guaranteed maximum cost, if applicable.
The Net Premium column shows the amount paid (or received) at the beginning of the year based on
intermediate assumptions.
The Cash Value column shows the values at the end of the year based on the intermediate
assumptions.
The Death Benefit column shows the death benefit at the end of the year based on intermediate
assumptions.
The Tabular Detail report is based on the same current and guaranteed assumptions and definitions as
shown on the Numeric Summary report.
5% Interest Adjusted indices are shown on the Tabular Detail report. They are based on the base
policy only and do not include any supplemental coverages. These indices are useful in comparing
policies of similar types. A low index number represents a lower cost than a higher index number.
See the Life Insurance Buyer's Guide for further information.
The Planning Concept report is based on the 2011 dividend interest rate and current assumptions.
This policy as shown in the Planning Concept report will become a Modified Endowment Contract
(MEC) in Year 65. The term MEC is designated under federal tax law. If a policy becomes a MEC,
surrenders, withdrawals or policy loans will be taxed less favorably than for a non-MEC.
May 11, 2011 ID:621
Vers: 51.2
Page : 3 of 11
Guardian
Narrative Summary
It may violate federal law to use policies whose rates vary by gender in qualified plans.
Life insurance contract death benefits are generally excludable from the income of the recipient.
However, if the policy is considered "Employer Owned Life Insurance" (EOLI) under the Internal
Revenue Code, the benefit may be considered taxable. Under certain circumstances, this tax treatment
applies to individually owned policies as well as employer owned policies. Your agent can provide you
with the form EOLINOTICE101J0809 Notice & Consent for Employer Owned Life Insurance.
Contact your tax advisor for details about complying with the regulation.
On the Planning Concept report, figures depending on dividends are based on the 2011 scale and are
not guaranteed. Future dividends may be higher or lower than those illustrated depending on the
companys actual future experience.
Your illustration may include the Total Guaranteed Cash Value or Guaranteed Face Amount of Paid
Up Insurance columns on a Custom Planning Concept. If so, values are shown only for certain
dividend options and when a number of other conditions are met. The conditions include: there is an
illustrated Paid Up Additions Rider, there are no policy loans, and the illustrated outlay is sufficient to
maintain the base policy benefits and Target Additional Benefit on a guaranteed basis.
The tax bracket is assumed to be 28% for all years.
The product(s) presented in this illustration may not yet be available in your state. Any application for
an unapproved product will be declined.
This illustration is only valid for use in Connecticut. This illustration may not be valid if it is more than
two weeks old.
This illustration is complete only if all pages are attached and the producers name, address and
signature appear.
Symbol Definitions: #
##
*
@
May 11, 2011 ID:621
This symbol indicates values shown are Beginning-of-Year

This symbol indicates values shown are End-of-Year
This symbol indicates values are non-guaranteed and may be affected by dividends.
This symbol indicates that a premium is payable unless the Guaranteed Annual Premium is shown
as 0.
Vers: 51.2
Page : 4 of 11
Guardian
Numeric Summary
Premium **
Benefit
$394,181
$1,759.50
$600.00
$54.00
___________
$2,413.50
Whole Life 99
GIO
$200,000

Guaranteed
Non-Guaranteed - Current
Non-Guaranteed - Intermediate
POL
YR
AGE AT
START
OF YEAR
ANNUAL
PREMIUM
#
CASH
VALUE
##
DEATH
BENEFIT
##
NET
PREMIUM
#*
CASH
VALUE
##*
DEATH
BENEFIT
## *
NET
PREMIUM
#*
CASH
VALUE
##*
DEATH
BENEFIT
## *
2,414
3,358
436,038
2,414
4,988
452,062
2,414
4,164
443,989
10
14
2,414
14,689
470,908
2,414
20,644
523,717
2,414
17,590
496,672
20
24
2,414
44,141
524,439
2,414
72,178
725,495
2,414
57,288
619,094
66
70
2,360
344,136
627,435
2,360
1,304,102
2,295,027
2,360
680,098
1,212,982
71
75
2,360
393,977
632,223
2,360
1,666,939
2,601,766
2,360
822,105
1,296,525
76
80
2,360
444,347
636,496
2,360
2,105,038
2,952,652
2,360
980,391
1,385,879
81
85
2,360
491,160
640,362
2,360
2,613,968
3,355,797
2,360
1,147,799
1,481,905
86
90
2,360
531,065
643,928
2,360
3,181,457
3,815,816
2,360
1,315,838
1,584,480
_______________________________________________________________________________________________________________
Applicant's Statement:
I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to
change and could be either higher or lower. The agent has told me they are not guaranteed.
______________________________
Applicant's (Owner's) Signature
______________________________
Additional Signature (if required)
______________
Date
Insurance Producer's Statement:

I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed
elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration.
______________________________
Producer's Signature
May 11, 2011 ID:621
______________
Date
Vers: 51.2
Page : 5 of 11
Guardian
Tabular Detail
Premium **
Benefit
$394,181
$1,759.50
$600.00
$54.00
___________
$2,413.50
Whole Life 99
GIO
$200,000

Guaranteed
POL
YR
AGE
AT START
OF YEAR
ANNUAL
PREMIUM
#
CASH
VALUE
##
DEATH
BENEFIT
##
NET
PREMIUM
#*
CASH
VALUE
##*
DEATH
BENEFIT
##*
1
2
3
4
5
5
6
7
8
9
2,414
2,414
2,414
2,414
2,414
591
1,205
1,841
2,500
3,358
403,176
411,848
420,207
428,267
436,038
2,414
2,414
2,414
2,414
2,414
591
1,538
2,553
3,643
4,988
403,176
412,181
425,458
438,750
452,062
6
7
8
9
10
10
11
12
13
14
2,414
2,414
2,414
2,414
2,414
5,475
7,670
9,934
12,272
14,689
443,530
450,752
457,715
464,431
470,908
2,414
2,414
2,414
2,414
2,414
7,655
10,469
13,426
16,809
20,644
465,446
478,907
492,498
506,492
523,717
11
12
13
14
15
15
16
17
18
19
2,414
2,414
2,414
2,414
2,414
17,194
19,775
22,451
25,222
28,089
477,157
483,187
489,006
494,622
500,042
2,414
2,414
2,414
2,414
2,414
24,676
28,907
33,352
38,025
42,963
543,758
563,714
583,680
603,530
623,397
16
17
18
19
20
20
21
22
23
24
2,414
2,414
2,414
2,414
2,414
31,067
34,156
37,359
40,686
44,141
505,274
510,324
515,197
519,901
524,439
2,414
2,414
2,414
2,414
2,414
48,180
53,691
59,514
65,667
72,178
643,495
663,736
684,131
704,737
725,495
21
22
23
24
25
25
26
27
28
29
2,414
2,414
2,414
2,414
2,414
47,341
50,662
54,092
57,649
61,331
528,818
533,044
537,122
541,057
544,855
2,414
2,414
2,414
2,414
2,414
78,660
85,522
92,763
100,441
108,581
746,485
767,644
789,045
810,751
832,858
26
27
28
29
30
30
31
32
33
34
2,414
2,414
2,414
2,414
2,414
65,148
69,097
73,182
77,406
81,773
548,519
552,056
555,469
558,764
561,944
2,414
2,414
2,414
2,414
2,414
117,208
126,329
135,970
146,152
156,912
855,419
878,358
901,685
925,355
949,388
31
32
33
34
35
35
36
37
38
39
2,414
2,414
2,414
2,414
2,414
86,268
90,918
95,715
100,679
105,819
565,013
567,977
570,839
573,603
576,273
2,414
2,414
2,414
2,414
2,414
168,263
180,264
192,919
206,313
220,479
973,839
998,776
1,024,144
1,049,947
1,076,261
36
37
38
39
40
40
41
42
43
44
2,414
2,414
2,414
2,414
2,414
111,126
116,618
122,284
128,130
134,155
578,851
581,341
583,746
586,070
588,315
2,414
2,414
2,414
2,414
2,414
235,429
251,260
267,967
285,616
304,242
1,103,056
1,130,336
1,158,211
1,186,638
1,215,669
41
42
43
44
45
45
46
47
48
49
2,414
2,360
2,360
2,360
2,360
140,357
146,737
153,280
159,990
166,856
590,484
592,581
594,608
596,567
598,463
2,414
2,360
2,360
2,360
2,360
323,884
344,601
366,422
389,389
413,555
1,245,336
1,275,652
1,306,696
1,338,496
1,371,071
46
47
48
49
50
50
51
52
53
54
2,360
2,360
2,360
2,360
2,360
173,879
181,063
188,383
195,848
203,458
600,298
602,074
603,793
605,459
607,073
2,360
2,360
2,360
2,360
2,360
438,953
465,664
493,695
523,114
553,997
1,404,475
1,438,730
1,473,878
1,509,961
1,547,009
May 11, 2011 ID:621
Vers: 51.2
Page : 6 of 11
Guardian
Tabular Detail
Guaranteed
POL
YR
AGE
AT START
OF YEAR
ANNUAL
PREMIUM
#
CASH
VALUE
##
DEATH
BENEFIT
##
NET
PREMIUM
#*
CASH
VALUE
##*
DEATH
BENEFIT
##*
51
52
53
54
55
55
56
57
58
59
2,360
2,360
2,360
2,360
2,360
211,205
219,080
227,087
235,218
243,494
608,639
610,157
611,630
613,060
614,450
2,360
2,360
2,360
2,360
2,360
586,392
620,335
655,903
693,158
732,201
1,585,051
1,624,136
1,664,287
1,705,537
1,747,917
56
57
58
59
60
60
61
62
63
64
2,360
2,360
2,360
2,360
2,360
251,918
260,493
269,216
278,091
287,119
615,799
617,111
618,387
619,627
620,834
2,360
2,360
2,360
2,360
2,360
773,141
816,031
860,954
908,019
957,315
1,791,436
1,836,105
1,881,949
1,928,999
1,977,289
61
62
63
64
65
65
66
67
68
69
2,360
2,360
2,360
2,360
2,360
296,295
305,608
315,063
324,639
334,337
622,008
623,151
624,264
625,349
626,405
2,360
2,360
2,360
2,360
2,360
1,008,906
1,062,867
1,119,300
1,178,258
1,239,841
2,026,852
2,077,715
2,129,921
2,183,504
2,238,517
66
67
68
69
70
70
71
72
73
74
2,360
2,360
2,360
2,360
2,360
344,136
354,003
363,934
373,914
383,929
627,435
628,439
629,419
630,376
631,310
2,360
2,360
2,360
2,360
2,360
1,304,102
1,371,024
1,440,722
1,513,230
1,588,615
2,295,027
2,353,082
2,412,739
2,474,046
2,537,043
71
72
73
74
75
75
76
77
78
79
2,360
2,360
2,360
2,360
2,360
393,977
404,045
414,121
424,203
434,279
632,223
633,115
633,987
634,841
635,677
2,360
2,360
2,360
2,360
2,360
1,666,939
1,748,274
1,832,670
1,920,206
2,010,973
2,601,766
2,668,260
2,736,545
2,806,653
2,878,689
76
77
78
79
80
80
81
82
83
84
2,360
2,360
2,360
2,360
2,360
444,347
454,180
463,744
473,110
482,261
636,496
637,298
638,085
638,857
639,616
2,360
2,360
2,360
2,360
2,360
2,105,038
2,201,651
2,300,677
2,402,443
2,506,934
2,952,652
3,028,759
3,107,109
3,187,712
3,270,609
81
82
83
84
85
85
86
87
88
89
2,360
2,360
2,360
2,360
2,360
491,160
500,001
508,384
516,315
523,801
640,362
641,096
641,819
642,531
643,234
2,360
2,360
2,360
2,360
2,360
2,613,968
2,724,324
2,836,189
2,949,563
3,064,327
3,355,797
3,443,103
3,532,699
3,624,704
3,719,137
86
87
88
89
90
90
91
92
93
94
2,360
2,360
2,360
2,360
2,360
531,065
538,906
546,862
554,549
561,684
643,928
644,613
645,290
645,959
646,619
2,360
2,360
2,360
2,360
2,360
3,181,457
3,304,457
3,431,111
3,559,976
3,689,315
3,815,816
3,913,611
4,012,610
4,113,726
4,217,258
91
92
93
94
95
95
96
97
98
99
2,360
2,360
2,360
2,360
0
567,879
573,316
577,890
583,553
587,981
647,272
647,919
648,561
649,200
649,200
2,360
2,360
2,360
2,360
0
3,816,705
3,942,593
4,067,817
4,200,127
4,336,241
4,323,592
4,432,673
4,546,734
4,661,191
4,776,869
96
97
98
99
100
100
101
102
103
104
0
0
0
0
0
592,233
596,336
600,263
603,990
607,470
649,200
649,200
649,200
649,200
649,200
0
0
0
0
0
4,475,037
4,614,892
4,758,177
4,905,509
5,056,783
4,895,160
5,014,347
5,136,885
5,263,883
5,395,712
101
102
103
104
105
105
106
107
108
109
0
0
0
0
0
610,638
613,533
616,169
618,603
620,817
649,200
649,200
649,200
649,200
649,200
0
0
0
0
0
5,210,802
5,367,358
5,526,097
5,686,852
5,849,185
5,531,808
5,671,719
5,815,064
5,961,259
6,110,112
106
107
108
109
110
110
111
112
113
114
0
0
0
0
0
622,771
624,531
626,147
627,984
629,581
649,200
649,200
649,200
649,200
649,200
0
0
0
0
0
6,012,376
6,176,021
6,339,859
6,506,163
6,672,630
6,261,383
6,414,187
6,567,832
6,720,978
6,875,889
May 11, 2011 ID:621
Vers: 51.2
Page : 7 of 11
Guardian
Tabular Detail
Guaranteed
POL
YR
AGE
AT START
OF YEAR
ANNUAL
PREMIUM
#
CASH
VALUE
##
DEATH
BENEFIT
##
NET
PREMIUM
#*
CASH
VALUE
##*
DEATH
BENEFIT
##*
111
112
113
114
115
115
116
117
118
119
0
0
0
0
0
631,094
632,568
633,834
634,944
636,625
649,200
649,200
649,200
649,200
649,200
0
0
0
0
0
6,839,622
7,007,427
7,174,561
7,340,490
7,514,463
7,031,521
7,187,686
7,344,789
7,501,863
7,659,841
116
120
649,200
649,200
7,820,596
7,820,596
Mode Selected : Annual

Mode
Annual
Modal Factor
Initial Modal
Premium
1.000000
2,413.50
5% Interest Adjusted Indices

Year
Net
Pay.
Surrender
Cost Index
Equiv. Lev.
Dividend
10
20
3.46
2.74
1.98
0.75
1.01
1.73
May 11, 2011 ID:621
Vers: 51.2
Page : 8 of 11
Guardian
Planning Concept Based on the 2011 Dividend Scale
Premium **
Benefit
$394,181
$1,759.50
$600.00
$54.00
___________
$2,413.50
Whole Life 99
GIO
$200,000

AS ILLUSTRATED, THIS POLICY BECOMES A MODIFIED ENDOWMENT CONTRACT IN POLICY YEAR 65.
Guaranteed
Non-Guaranteed
CUM
NET
PREM
#*
NET
AFTER
TAX
OUTLAY
#*
CUM
NET A/T
OUTLAY
#*
CASH
VALUE
OF
ALL
ADDS
## *
2,414
2,414
2,414
2,414
2,414
2,414
4,827
7,241
9,654
12,068
2,414
2,414
2,414
2,414
2,414
2,414
4,827
7,241
9,654
12,068
591
1,538
2,553
3,643
4,815
591
1,538
2,553
3,643
4,988
403,176
412,181
425,458
438,750
452,062
445
488
538
590
916
2,414
2,414
2,414
2,414
2,414
14,481
16,895
19,308
21,722
24,135
2,414
2,414
2,414
2,414
2,414
14,481
16,895
19,308
21,722
24,135
6,074
7,430
8,885
10,719
12,953
7,655
10,469
13,426
16,809
20,644
465,446
478,907
492,498
506,492
523,717
9,350
11,057
12,827
14,660
16,556
1,253
1,310
1,380
1,437
1,509
2,414
2,414
2,414
2,414
2,414
26,549
28,962
31,376
33,789
36,203
2,414
2,414
2,414
2,414
2,414
26,549
28,962
31,376
33,789
36,203
15,326
17,851
20,526
23,365
26,407
24,676
28,907
33,352
38,025
42,963
543,758
563,714
583,680
603,530
623,397
1,760
1,760
1,760
1,760
1,760
18,527
20,572
22,693
24,896
27,187
1,609
1,704
1,802
1,914
2,021
2,414
2,414
2,414
2,414
2,414
38,616
41,030
43,443
45,857
48,270
2,414
2,414
2,414
2,414
2,414
38,616
41,030
43,443
45,857
48,270
29,654
33,119
36,821
40,770
44,991
48,180
53,691
59,514
65,667
72,178
643,495
663,736
684,131
704,737
725,495
25
26
27
28
29
1,760
1,760
1,760
1,760
1,760
29,181
31,251
33,387
35,602
37,897
2,147
2,266
2,401
2,549
2,720
2,414
2,414
2,414
2,414
2,414
50,684
53,097
55,511
57,924
60,338
2,414
2,414
2,414
2,414
2,414
50,684
53,097
55,511
57,924
60,338
49,479
54,272
59,376
64,839
70,685
78,660
85,522
92,763
100,441
108,581
746,485
767,644
789,045
810,751
832,858
26
27
28
29
30
30
31
32
33
34
1,760
1,760
1,760
1,760
1,760
40,273
42,733
45,276
47,905
50,621
2,910
3,096
3,292
3,489
3,698
2,414
2,414
2,414
2,414
2,414
62,751
65,165
67,578
69,992
72,405
2,414
2,414
2,414
2,414
2,414
62,751
65,165
67,578
69,992
72,405
76,934
83,595
90,694
98,248
106,291
117,208
126,329
135,970
146,152
156,912
855,419
878,358
901,685
925,355
949,388
31
32
33
34
35
35
36
37
38
39
1,760
1,760
1,760
1,760
1,760
53,415
56,305
59,285
62,367
65,560
3,923
4,177
4,431
4,690
4,985
2,414
2,414
2,414
2,414
2,414
74,819
77,232
79,646
82,059
84,473
2,414
2,414
2,414
2,414
2,414
74,819
77,232
79,646
82,059
84,473
114,848
123,959
133,634
143,946
154,919
168,263
180,264
192,919
206,313
220,479
973,839
998,776
1,024,144
1,049,947
1,076,261
36
37
38
39
40
40
41
42
43
44
1,760
1,760
1,760
1,760
1,760
68,856
72,265
75,781
79,408
83,145
5,286
5,593
5,951
6,309
6,695
2,414
2,414
2,414
2,414
2,414
86,886
89,300
91,713
94,127
96,540
2,414
2,414
2,414
2,414
2,414
86,886
89,300
91,713
94,127
96,540
166,574
178,995
192,185
206,208
221,098
235,429
251,260
267,967
285,616
304,242
1,103,056
1,130,336
1,158,211
1,186,638
1,215,669
41
42
43
44
45
45
46
47
48
49
1,760
1,760
1,760
1,760
1,760
86,988
90,942
94,990
99,140
103,382
7,113
7,542
8,018
8,525
9,052
2,414
2,360
2,360
2,360
2,360
98,954
101,313
103,673
106,032
108,392
2,414
2,360
2,360
2,360
2,360
98,954
101,313
103,673
106,032
108,392
236,896
253,659
271,433
290,249
310,173
323,884
344,601
366,422
389,389
413,555
1,245,336
1,275,652
1,306,696
1,338,496
1,371,071
POL
YR
AGE
AT
START
OF
YEAR
BASE
POLICY
ANNUAL
PREM
#
BASE
GUAR.
CASH
VALUE
##
ANNUAL
DIV
#*
NET
PREM
#*
1
2
3
4
5
5
6
7
8
9
1,760
1,760
1,760
1,760
1,760
0
0
0
0
173
0
0
333
368
403
6
7
8
9
10
10
11
12
13
14
1,760
1,760
1,760
1,760
1,760
1,581
3,039
4,541
6,090
7,690
11
12
13
14
15
15
16
17
18
19
1,760
1,760
1,760
1,760
1,760
16
17
18
19
20
20
21
22
23
24
21
22
23
24
25
May 11, 2011 ID:621
Vers: 51.2
NET
CASH
VALUE
## *
NET
DEATH
BENEFIT
## *
Page : 9 of 11
Guardian
Guaranteed
Non-Guaranteed
CUM
NET
PREM
#*
NET
AFTER
TAX
OUTLAY
#*
CUM
NET A/T
OUTLAY
#*
CASH
VALUE
OF
ALL
ADDS
## *
2,360
2,360
2,360
2,360
2,360
110,751
113,111
115,470
117,830
120,189
2,360
2,360
2,360
2,360
2,360
110,751
113,111
115,470
117,830
120,189
331,235
353,516
377,037
401,860
428,064
438,953
465,664
493,695
523,114
553,997
1,404,475
1,438,730
1,473,878
1,509,961
1,547,009
12,993
13,789
14,626
15,500
16,426
2,360
2,360
2,360
2,360
2,360
122,549
124,908
127,268
129,627
131,987
2,360
2,360
2,360
2,360
2,360
122,549
124,908
127,268
129,627
131,987
455,701
484,812
515,473
547,748
581,726
586,392
620,335
655,903
693,158
732,201
1,585,051
1,624,136
1,664,287
1,705,537
1,747,917
155,623
160,861
166,187
171,599
177,102
17,385
18,387
19,428
20,525
21,669
2,360
2,360
2,360
2,360
2,360
134,346
136,706
139,065
141,425
143,784
2,360
2,360
2,360
2,360
2,360
134,346
136,706
139,065
141,425
143,784
617,519
655,170
694,767
736,420
780,214
773,141
816,031
860,954
908,019
957,315
1,791,436
1,836,105
1,881,949
1,928,999
1,977,289
1,760
1,760
1,760
1,760
1,760
182,691
188,359
194,110
199,929
205,818
22,878
24,134
25,455
26,837
28,285
2,360
2,360
2,360
2,360
2,360
146,144
148,503
150,863
153,222
155,582
2,360
2,360
2,360
2,360
2,360
146,144
148,503
150,863
153,222
155,582
826,215
874,508
925,190
978,329
1,034,024
1,008,906
1,062,867
1,119,300
1,178,258
1,239,841
2,026,852
2,077,715
2,129,921
2,183,504
2,238,517
70
71
72
73
74
1,760
1,760
1,760
1,760
1,760
211,762
217,742
223,753
229,788
235,835
29,812
31,425
33,102
34,869
36,706
2,360
2,360
2,360
2,360
2,360
157,941
160,301
162,660
165,020
167,379
2,360
2,360
2,360
2,360
2,360
157,941
160,301
162,660
165,020
167,379
1,092,340
1,153,282
1,216,969
1,283,442
1,352,780
1,304,102
1,371,024
1,440,722
1,513,230
1,588,615
2,295,027
2,353,082
2,412,739
2,474,046
2,537,043
71
72
73
74
75
75
76
77
78
79
1,760
1,760
1,760
1,760
1,760
241,897
247,964
254,026
260,085
266,135
38,615
40,595
42,656
44,770
46,962
2,360
2,360
2,360
2,360
2,360
169,739
172,098
174,458
176,817
179,177
2,360
2,360
2,360
2,360
2,360
169,739
172,098
174,458
176,817
179,177
1,425,041
1,500,311
1,578,644
1,660,122
1,744,837
1,666,939
1,748,274
1,832,670
1,920,206
2,010,973
2,601,766
2,668,260
2,736,545
2,806,653
2,878,689
76
77
78
79
80
80
81
82
83
84
1,760
1,760
1,760
1,760
1,760
272,170
278,051
283,755
289,329
294,761
49,298
51,638
54,270
56,922
59,617
2,360
2,360
2,360
2,360
2,360
181,536
183,896
186,255
188,615
190,974
2,360
2,360
2,360
2,360
2,360
181,536
183,896
186,255
188,615
190,974
1,832,868
1,923,600
2,016,922
2,113,114
2,212,173
2,105,038
2,201,651
2,300,677
2,402,443
2,506,934
2,952,652
3,028,759
3,107,109
3,187,712
3,270,609
81
82
83
84
85
85
86
87
88
89
1,760
1,760
1,760
1,760
1,760
300,027
305,254
310,189
314,836
319,204
62,385
65,166
67,803
70,711
73,652
2,360
2,360
2,360
2,360
2,360
193,334
195,693
198,053
200,412
202,772
2,360
2,360
2,360
2,360
2,360
193,334
195,693
198,053
200,412
202,772
2,313,941
2,419,071
2,526,000
2,634,727
2,745,124
2,613,968
2,724,324
2,836,189
2,949,563
3,064,327
3,355,797
3,443,103
3,532,699
3,624,704
3,719,137
86
87
88
89
90
90
91
92
93
94
1,760
1,760
1,760
1,760
1,760
323,433
328,022
332,689
337,194
341,369
76,596
79,342
81,016
83,129
86,111
2,360
2,360
2,360
2,360
2,360
205,131
207,491
209,850
212,210
214,569
2,360
2,360
2,360
2,360
2,360
205,131
207,491
209,850
212,210
214,569
2,858,024
2,976,436
3,098,422
3,222,781
3,347,946
3,181,457
3,304,457
3,431,111
3,559,976
3,689,315
3,815,816
3,913,611
4,012,610
4,113,726
4,217,258
91
92
93
94
95
95
96
97
98
99
1,760
1,760
1,760
1,760
0
344,979
348,156
350,861
354,321
357,010
89,235
92,670
95,882
101,248
101,621
2,360
2,360
2,360
2,360
0
216,929
219,288
221,648
224,007
224,007
2,360
2,360
2,360
2,360
0
216,929
219,288
221,648
224,007
224,007
3,471,726
3,594,436
3,716,956
3,845,806
3,979,231
3,816,705
3,942,593
4,067,817
4,200,127
4,336,241
4,323,592
4,432,673
4,546,734
4,661,191
4,776,869
96
97
98
99
100
100
101
102
103
104
0
0
0
0
0
359,592
362,083
364,468
366,730
368,843
104,246
107,437
108,853
112,889
117,794
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
4,115,445
4,252,809
4,393,709
4,538,779
4,687,940
4,475,037
4,614,892
4,758,177
4,905,509
5,056,783
4,895,160
5,014,347
5,136,885
5,263,883
5,395,712
POL
YR
AGE
AT
START
OF
YEAR
BASE
POLICY
ANNUAL
PREM
#
BASE
GUAR.
CASH
VALUE
##
ANNUAL
DIV
#*
NET
PREM
#*
46
47
48
49
50
50
51
52
53
54
1,760
1,760
1,760
1,760
1,760
107,718
112,148
116,658
121,254
125,933
9,623
10,221
10,857
11,533
12,247
51
52
53
54
55
55
56
57
58
59
1,760
1,760
1,760
1,760
1,760
130,691
135,523
140,431
145,409
150,475
56
57
58
59
60
60
61
62
63
64
1,760
1,760
1,760
1,760
1,760
61
62
63
64
65
65
66
67
68
69
66
67
68
69
70
May 11, 2011 ID:621
Vers: 51.2
NET
CASH
VALUE
## *
NET
DEATH
BENEFIT
## *
Page : 10 of 11
Guardian
Guaranteed
Non-Guaranteed
CUM
NET A/T
OUTLAY
#*
CASH
VALUE
OF
ALL
ADDS
## *
NET
CASH
VALUE
## *
NET
DEATH
BENEFIT
## *
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
4,840,035
4,994,834
5,151,972
5,311,248
5,472,237
5,210,802
5,367,358
5,526,097
5,686,852
5,849,185
5,531,808
5,671,719
5,815,064
5,961,259
6,110,112
224,007
224,007
224,007
224,007
224,007
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
5,634,242
5,796,819
5,959,675
6,124,864
6,290,362
6,012,376
6,176,021
6,339,859
6,506,163
6,672,630
6,261,383
6,414,187
6,567,832
6,720,978
6,875,889
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
6,456,434
6,623,345
6,789,711
6,954,966
7,127,918
6,839,622
7,007,427
7,174,561
7,340,490
7,514,463
7,031,521
7,187,686
7,344,789
7,501,863
7,659,841
224,007
224,007
7,426,415
7,820,596
7,820,596
POL
YR
AGE
AT
START
OF
YEAR
BASE
POLICY
ANNUAL
PREM
#
BASE
GUAR.
CASH
VALUE
##
CUM
NET
PREM
#*
NET
AFTER
TAX
OUTLAY
#*
ANNUAL
DIV
#*
NET
PREM
#*
101
102
103
104
105
105
106
107
108
109
0
0
0
0
0
370,767
372,525
374,125
375,603
376,947
123,012
127,646
131,849
135,680
138,921
0
0
0
0
0
224,007
224,007
224,007
224,007
224,007
106
107
108
109
110
110
111
112
113
114
0
0
0
0
0
378,134
379,202
380,184
381,299
382,269
141,982
144,780
146,660
147,852
147,702
0
0
0
0
0
111
112
113
114
115
115
116
117
118
119
0
0
0
0
0
383,187
384,082
384,851
385,525
386,546
149,922
150,960
151,834
153,111
153,363
116
120
394,181
154,534
THIS ILLUSTRATION IS BASED ON THE 2011 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY
ILLUSTRATED NON-GUARANTEED ELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR
ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THE ACTUAL RESULTS MAY BE MORE OR LESS
FAVORABLE THAN THOSE SHOWN. SEE TABULAR DETAIL FOR GUARANTEED VALUES AND OTHER
IMPORTANT INFORMATION.
May 11, 2011 ID:621
Vers: 51.2
Page : 11 of 11

Glen Client&#39;s Hypo

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Glen Client&#39;s Hypo

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James Malafronte

The Benefits Connection

Whole Life 99 Illustration

May 11, 2011

Dividend Option : Paid Up Additions (D)

Whole Life 99:

Whole Life Insurance Policy, Generic Form Number: 06-WL.

May 11, 2011 ID:621

May 11, 2011 ID:621

This symbol indicates values shown are Beginning-of-Year

Total First Year Premium

Insurance Producer's Statement:

May 11, 2011 ID:621

Total First Year Premium

May 11, 2011 ID:621

May 11, 2011 ID:621

Mode Selected : Annual

5% Interest Adjusted Indices

May 11, 2011 ID:621

Total First Year Premium

May 11, 2011 ID:621

May 11, 2011 ID:621

May 11, 2011 ID:621

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