Report
Prepared For
Sam Sample
Presented By
Valued RBC Advisor
Please refer to each life insurer's original illustration and policy contract to confirm which amounts are guaranteed under the policy
08/03/2022
lifedesignanalysis.comDisclaimer
The information contained in this report is provided by Life Design Analysis Inc. While RBC Insurance has made every attempt to ensure that the information provided about RBC Insurance and its products is accurate, RBC Insurance is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information about RBC Insurance and its products is provided “as is” with no guarantee of currency, completeness, warranties of performance, merchantability or fitness for a particular purpose. In no event will RBC Insurance, its related affiliates, or the partners, agents or employees thereof be liable to you or anyone else for any decision made or action taken in reliance on the information in this report or for any consequential, special or similar damages even if advised of the possibility of such damages.
Certain links in this report connect to other websites maintained by third parties over whom RBC Insurance has no control. RBC Insurance makes no representation as the accuracy or any other aspect of information contained in other websites.
This presentation is supplementary to the insurance illustration. A completed illustration will be required upon submission to RBC Insurance for permanent solutions.
Premium Schedule (Age 44 | Age Nearest 44 | Non-Smoker | Male)
| Plan |
|---|
RBC Insurance - YourTerm 20 R&C
Annual Premium: 1 - 20: $1,437.00 21: $5,385.00 22: $8,166.00 23: $10,947.00 24: $13,728.00 25: $16,509.00 26: $20,157.00 27: $22,612.00 28: $25,344.00 29: $28,394.00 Continued ** |
RBC Insurance - RBC Growth Insurance - Life-Pay
Annual Premium: 1 - 55: $19,498.00 |
* Policy fee included with the premium.
** Please refer to full premium schedule.
Total Cash Value - RBC Insurance - RBC Growth Insurance - Life-Pay
* Please refer to the life insurer's illustration and policy contract for complete details about policy values and guarantees.
Total Coverage Amount - RBC Insurance - RBC Growth Insurance - Life-Pay
* Please refer to the life insurer's illustration and policy contract for complete details about policy values and guarantees.
Presentation Summary
| Age | Years |
RBC Insurance - YourTerm 20 R&C Sum of Premiums |
RBC Insurance - RBC Growth Insurance - Life-Pay Sum of Premiums |
Premium Difference |
RBC Insurance - RBC Growth Insurance - Life-Pay Total Cash Value |
RBC Insurance - YourTerm 20 R&C Total Coverage Amount |
RBC Insurance - RBC Growth Insurance - Life-Pay Total Coverage Amount |
|---|---|---|---|---|---|---|---|
| 45 | $1,437.00 | $19,498.00 | $18,061.00 | $0.00 | $1,000,000.00 | $1,000,000.00 | |
| 46 |
2
|
$2,874.00 | $38,996.00 | $36,122.00 | $0.00 | $1,000,000.00 | $1,000,000.00 |
| 47 |
3
|
$4,311.00 | $58,494.00 | $54,183.00 | $0.00 | $1,000,000.00 | $1,000,000.00 |
| 48 |
4
|
$5,748.00 | $77,992.00 | $72,244.00 | $0.00 | $1,000,000.00 | $1,000,000.00 |
| 49 | $7,185.00 | $97,490.00 | $90,305.00 | $3,970.00 | $1,000,000.00 | $1,000,000.00 | |
| 50 |
6
|
$8,622.00 | $116,988.00 | $108,366.00 | $8,660.00 | $1,000,000.00 | $1,000,000.00 |
| 51 |
7
|
$10,059.00 | $136,486.00 | $126,427.00 | $14,730.00 | $1,000,000.00 | $1,000,000.00 |
| 52 |
8
|
$11,496.00 | $155,984.00 | $144,488.00 | $22,230.00 | $1,000,000.00 | $1,000,000.00 |
| 53 |
9
|
$12,933.00 | $175,482.00 | $162,549.00 | $31,180.00 | $1,000,000.00 | $1,000,000.00 |
| 54 | $14,370.00 | $194,980.00 | $180,610.00 | $41,630.00 | $1,000,000.00 | $1,000,000.00 | |
| 55 |
11
|
$15,807.00 | $214,478.00 | $198,671.00 | $59,900.00 | $1,000,000.00 | $1,000,000.00 |
| 56 |
12
|
$17,244.00 | $233,976.00 | $216,732.00 | $80,990.00 | $1,000,000.00 | $1,000,000.00 |
| 57 |
13
|
$18,681.00 | $253,474.00 | $234,793.00 | $104,950.00 | $1,000,000.00 | $1,000,000.00 |
| 58 |
14
|
$20,118.00 | $272,972.00 | $252,854.00 | $131,830.00 | $1,000,000.00 | $1,000,000.00 |
| 59 | $21,555.00 | $292,470.00 | $270,915.00 | $161,640.00 | $1,000,000.00 | $1,000,000.00 | |
| 60 |
16
|
$22,992.00 | $311,968.00 | $288,976.00 | $194,390.00 | $1,000,000.00 | $1,000,000.00 |
| 61 |
17
|
$24,429.00 | $331,466.00 | $307,037.00 | $230,120.00 | $1,000,000.00 | $1,000,000.00 |
| 62 |
18
|
$25,866.00 | $350,964.00 | $325,098.00 | $268,840.00 | $1,000,000.00 | $1,000,000.00 |
| 63 |
19
|
$27,303.00 | $370,462.00 | $343,159.00 | $310,550.00 | $1,000,000.00 | $1,000,000.00 |
| 64 | $28,740.00 | $389,960.00 | $361,220.00 | $355,220.00 | $1,000,000.00 | $1,000,000.00 | |
| 65 |
21
|
$34,125.00 | $409,458.00 | $375,333.00 | $374,810.00 | $1,000,000.00 | $1,000,000.00 |
| 66 |
22
|
$42,291.00 | $428,956.00 | $386,665.00 | $394,400.00 | $1,000,000.00 | $1,000,000.00 |
| 67 |
23
|
$53,238.00 | $448,454.00 | $395,216.00 | $413,940.00 | $1,000,000.00 | $1,000,000.00 |
| 68 |
24
|
$66,966.00 | $467,952.00 | $400,986.00 | $433,430.00 | $1,000,000.00 | $1,000,000.00 |
| 69 | $83,475.00 | $487,450.00 | $403,975.00 | $452,840.00 | $1,000,000.00 | $1,000,000.00 | |
| 70 |
26
|
$103,632.00 | $506,948.00 | $403,316.00 | $472,180.00 | $1,000,000.00 | $1,000,000.00 |
| 71 |
27
|
$126,244.00 | $526,446.00 | $400,202.00 | $491,420.00 | $1,000,000.00 | $1,000,000.00 |
| 72 |
28
|
$151,588.00 | $545,944.00 | $394,356.00 | $510,590.00 | $1,000,000.00 | $1,000,000.00 |
| 73 |
29
|
$179,982.00 | $565,442.00 | $385,460.00 | $529,670.00 | $1,000,000.00 | $1,000,000.00 |
| 74 | $211,781.00 | $584,940.00 | $373,159.00 | $548,690.00 | $1,000,000.00 | $1,000,000.00 | |
| 75 |
31
|
$247,342.00 | $604,438.00 | $357,096.00 | $567,670.00 | $1,000,000.00 | $1,000,000.00 |
| 76 |
32
|
$287,061.00 | $623,936.00 | $336,875.00 | $586,630.00 | $1,000,000.00 | $1,000,000.00 |
| 77 |
33
|
$331,374.00 | $643,434.00 | $312,060.00 | $605,610.00 | $1,000,000.00 | $1,000,000.00 |
| 78 |
34
|
$380,716.00 | $662,932.00 | $282,216.00 | $624,650.00 | $1,000,000.00 | $1,000,000.00 |
| 79 | $435,602.00 | $682,430.00 | $246,828.00 | $643,810.00 | $1,000,000.00 | $1,000,000.00 | |
| 80 |
36
|
$496,527.00 | $701,928.00 | $205,401.00 | $663,170.00 | $1,000,000.00 | $1,000,000.00 |
| 81 |
37
|
$564,065.00 | $721,426.00 | $157,361.00 | $682,790.00 | $1,000,000.00 | $1,000,000.00 |
| 82 |
38
|
$638,791.00 | $740,924.00 | $102,133.00 | $702,320.00 | $1,000,000.00 | $1,000,000.00 |
| 83 |
39
|
$721,318.00 | $760,422.00 | $39,104.00 | $721,300.00 | $1,000,000.00 | $1,000,000.00 |
| 84 | $812,319.00 | $779,920.00 | -$32,399.00 | $739,670.00 | $1,000,000.00 | $1,000,000.00 | |
| 85 |
41
|
$912,468.00 | $799,418.00 | -$113,050.00 | $757,330.00 | $1,000,000.00 | $1,000,000.00 |
| 86 |
42
|
$1,023,648.00 | $818,916.00 | -$204,732.00 | $774,220.00 | $1,000,000.00 | $1,000,000.00 |
| 87 |
43
|
$1,145,608.00 | $838,414.00 | -$307,194.00 | $790,250.00 | $1,000,000.00 | $1,000,000.00 |
| 88 |
44
|
$1,279,188.00 | $857,912.00 | -$421,276.00 | $805,290.00 | $1,000,000.00 | $1,000,000.00 |
| 89 | $1,425,288.00 | $877,410.00 | -$547,878.00 | $819,230.00 | $1,000,000.00 | $1,000,000.00 | |
| 90 |
46
|
$1,584,828.00 | $896,908.00 | -$687,920.00 | $831,950.00 | $1,000,000.00 | $1,000,000.00 |
| 91 |
47
|
$1,758,808.00 | $916,406.00 | -$842,402.00 | $843,340.00 | $1,000,000.00 | $1,000,000.00 |
| 92 |
48
|
$1,948,268.00 | $935,904.00 | -$1,012,364.00 | $853,880.00 | $1,000,000.00 | $1,000,000.00 |
| 93 |
49
|
$2,154,288.00 | $955,402.00 | -$1,198,886.00 | $864,120.00 | $1,000,000.00 | $1,000,000.00 |
| 94 | $2,378,048.00 | $974,900.00 | -$1,403,148.00 | $874,200.00 | $1,000,000.00 | $1,000,000.00 | |
| 95 |
51
|
$2,620,728.00 | $994,398.00 | -$1,626,330.00 | $884,440.00 | $1,000,000.00 | $1,000,000.00 |
| 96 |
52
|
$2,883,588.00 | $1,013,896.00 | -$1,869,692.00 | $895,540.00 | $1,000,000.00 | $1,000,000.00 |
| 97 |
53
|
$3,167,908.00 | $1,033,394.00 | -$2,134,514.00 | $908,660.00 | $1,000,000.00 | $1,000,000.00 |
| 98 |
54
|
$3,474,988.00 | $1,052,892.00 | -$2,422,096.00 | $925,810.00 | $1,000,000.00 | $1,000,000.00 |
| 99 |
55
|
$3,806,188.00 | $1,072,390.00 | -$2,733,798.00 | $950,630.00 | $1,000,000.00 | $1,000,000.00 |
Internal Rate of Return of Cash Value
Internal Rate of Return of Coverage Amount
Alternative Investment Analysis RBC Insurance - RBC Growth Insurance - Life-Pay
| Age | Years | Net Accumulation at 2.50% | Total Cash Value | Total Coverage Amount |
|---|---|---|---|---|
| 45 | $19,985.45 | $0.00 | $1,000,000.00 | |
| 46 |
2
|
$40,470.54 | $0.00 | $1,000,000.00 |
| 47 |
3
|
$61,467.75 | $0.00 | $1,000,000.00 |
| 48 |
4
|
$82,989.89 | $0.00 | $1,000,000.00 |
| 49 | $105,050.09 | $3,970.00 | $1,000,000.00 | |
| 50 |
6
|
$127,661.79 | $8,660.00 | $1,000,000.00 |
| 51 |
7
|
$150,838.79 | $14,730.00 | $1,000,000.00 |
| 52 |
8
|
$174,595.21 | $22,230.00 | $1,000,000.00 |
| 53 |
9
|
$198,945.54 | $31,180.00 | $1,000,000.00 |
| 54 | $223,904.63 | $41,630.00 | $1,000,000.00 | |
| 55 |
11
|
$249,487.69 | $59,900.00 | $1,000,000.00 |
| 56 |
12
|
$275,710.33 | $80,990.00 | $1,000,000.00 |
| 57 |
13
|
$302,588.54 | $104,950.00 | $1,000,000.00 |
| 58 |
14
|
$330,138.71 | $131,830.00 | $1,000,000.00 |
| 59 | $358,377.62 | $161,640.00 | $1,000,000.00 | |
| 60 |
16
|
$387,322.51 | $194,390.00 | $1,000,000.00 |
| 61 |
17
|
$416,991.03 | $230,120.00 | $1,000,000.00 |
| 62 |
18
|
$447,401.25 | $268,840.00 | $1,000,000.00 |
| 63 |
19
|
$478,571.73 | $310,550.00 | $1,000,000.00 |
| 64 | $510,521.48 | $355,220.00 | $1,000,000.00 | |
| 65 |
21
|
$543,269.96 | $374,810.00 | $1,000,000.00 |
| 66 |
22
|
$576,837.16 | $394,400.00 | $1,000,000.00 |
| 67 |
23
|
$611,243.54 | $413,940.00 | $1,000,000.00 |
| 68 |
24
|
$646,510.08 | $433,430.00 | $1,000,000.00 |
| 69 | $682,658.28 | $452,840.00 | $1,000,000.00 | |
| 70 |
26
|
$719,710.19 | $472,180.00 | $1,000,000.00 |
| 71 |
27
|
$757,688.40 | $491,420.00 | $1,000,000.00 |
| 72 |
28
|
$796,616.05 | $510,590.00 | $1,000,000.00 |
| 73 |
29
|
$836,516.91 | $529,670.00 | $1,000,000.00 |
| 74 | $877,415.28 | $548,690.00 | $1,000,000.00 | |
| 75 |
31
|
$919,336.11 | $567,670.00 | $1,000,000.00 |
| 76 |
32
|
$962,304.96 | $586,630.00 | $1,000,000.00 |
| 77 |
33
|
$1,006,348.04 | $605,610.00 | $1,000,000.00 |
| 78 |
34
|
$1,051,492.19 | $624,650.00 | $1,000,000.00 |
| 79 | $1,097,764.94 | $643,810.00 | $1,000,000.00 | |
| 80 |
36
|
$1,145,194.52 | $663,170.00 | $1,000,000.00 |
| 81 |
37
|
$1,193,809.83 | $682,790.00 | $1,000,000.00 |
| 82 |
38
|
$1,243,640.53 | $702,320.00 | $1,000,000.00 |
| 83 |
39
|
$1,294,716.99 | $721,300.00 | $1,000,000.00 |
| 84 | $1,347,070.36 | $739,670.00 | $1,000,000.00 | |
| 85 |
41
|
$1,400,732.57 | $757,330.00 | $1,000,000.00 |
| 86 |
42
|
$1,455,736.34 | $774,220.00 | $1,000,000.00 |
| 87 |
43
|
$1,512,115.20 | $790,250.00 | $1,000,000.00 |
| 88 |
44
|
$1,569,903.53 | $805,290.00 | $1,000,000.00 |
| 89 | $1,629,136.56 | $819,230.00 | $1,000,000.00 | |
| 90 |
46
|
$1,689,850.43 | $831,950.00 | $1,000,000.00 |
| 91 |
47
|
$1,752,082.14 | $843,340.00 | $1,000,000.00 |
| 92 |
48
|
$1,815,869.64 | $853,880.00 | $1,000,000.00 |
| 93 |
49
|
$1,881,251.83 | $864,120.00 | $1,000,000.00 |
| 94 | $1,948,268.58 | $874,200.00 | $1,000,000.00 | |
| 95 |
51
|
$2,016,960.74 | $884,440.00 | $1,000,000.00 |
| 96 |
52
|
$2,087,370.21 | $895,540.00 | $1,000,000.00 |
| 97 |
53
|
$2,159,539.92 | $908,660.00 | $1,000,000.00 |
| 98 |
54
|
$2,233,513.86 | $925,810.00 | $1,000,000.00 |
| 99 | $2,309,337.16 | $950,630.00 | $1,000,000.00 | |
| 100 |
56
|
$2,387,056.04 | $1,000,000.00 | $1,000,000.00 |
Contact Information
* Please Note: This report was created by your advisor. The products and companies shown on the subsequent comparison survey are, therefore, only those that were selected by the account holder. These may or may not reflect the entire range of insurance companies and products available on this comparison system. We strive to maintain the utmost accuracy with the information gathered, however we do not and cannot guarantee the validity or accuracy of any of the information displayed. E.&O.E.
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