Sum of Premiums  





Cash Overlay  





Insurance Benefit Overlay  





Presentation Summary  


Age Years RBC- Croissance- 20 paiements
Sum of Premiums
iA- Patrimoine- 20 paiements
Sum of Premiums
Empire- AssurMax- 20 paiements
Sum of Premiums
Equitable- Batisseur de patrimoine- 20 paiements
Sum of Premiums
Sun Life- Protection- 20 paiements
Sum of Premiums
BMO- Patrimoine- 20 paiements
Sum of Premiums
Canada Vie- Réalisateur succession- 20 paiements
Sum of Premiums
47
1
$12,000.01 $12,000.02 $12,000.01 $12,000.00 $11,999.98 $11,999.99 $11,999.99
48
2
$24,000.02 $24,000.04 $24,000.02 $24,000.00 $23,999.96 $23,999.98 $23,999.98
49
3
$36,000.03 $36,000.06 $36,000.03 $36,000.00 $35,999.94 $35,999.97 $35,999.97
50
4
$48,000.04 $48,000.08 $48,000.04 $48,000.00 $47,999.92 $47,999.96 $47,999.96
51
5
$60,000.05 $60,000.10 $60,000.05 $60,000.00 $59,999.90 $59,999.95 $59,999.95
52
6
$72,000.06 $72,000.12 $72,000.06 $72,000.00 $71,999.88 $71,999.94 $71,999.94
53
7
$84,000.07 $84,000.14 $84,000.07 $84,000.00 $83,999.86 $83,999.93 $83,999.93
54
8
$96,000.08 $96,000.16 $96,000.08 $96,000.00 $95,999.84 $95,999.92 $95,999.92
55
9
$108,000.09 $108,000.18 $108,000.09 $108,000.00 $107,999.82 $107,999.91 $107,999.91
56
10
$120,000.10 $120,000.20 $120,000.10 $120,000.00 $119,999.80 $119,999.90 $119,999.90
57
11
$132,000.11 $132,000.22 $132,000.11 $132,000.00 $131,999.78 $131,999.89 $131,999.89
58
12
$144,000.12 $144,000.24 $144,000.12 $144,000.00 $143,999.76 $143,999.88 $143,999.88
59
13
$156,000.13 $156,000.26 $156,000.13 $156,000.00 $155,999.74 $155,999.87 $155,999.87
60
14
$168,000.14 $168,000.28 $168,000.14 $168,000.00 $167,999.72 $167,999.86 $167,999.86
61
15
$180,000.15 $180,000.30 $180,000.15 $180,000.00 $179,999.70 $179,999.85 $179,999.85
62
16
$192,000.16 $192,000.32 $192,000.16 $192,000.00 $191,999.68 $191,999.84 $191,999.84
63
17
$204,000.17 $204,000.34 $204,000.17 $204,000.00 $203,999.66 $203,999.83 $203,999.83
64
18
$216,000.18 $216,000.36 $216,000.18 $216,000.00 $215,999.64 $215,999.82 $215,999.82
65
19
$228,000.19 $228,000.38 $228,000.19 $228,000.00 $227,999.62 $227,999.81 $227,999.81
66
20
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
67
21
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
68
22
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
69
23
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
70
24
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
71
25
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
72
26
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
73
27
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
74
28
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
75
29
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
76
30
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
77
31
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
78
32
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
79
33
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
80
34
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
81
35
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
82
36
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
83
37
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
84
38
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
85
39
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
86
40
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
87
41
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
88
42
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
89
43
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
90
44
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
91
45
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
92
46
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
93
47
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
94
48
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
95
49
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
96
50
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
97
51
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
98
52
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80
99
53
$240,000.20 $240,000.40 $240,000.20 $240,000.00 $239,999.60 $239,999.80 $239,999.80

Presentation Summary - Cont.


Age Years RBC- Croissance- 20 paiements
Total Cash Value
iA- Patrimoine- 20 paiements
Total Cash Value
Empire- AssurMax- 20 paiements
Total Cash Value
Equitable- Batisseur de patrimoine- 20 paiements
Total Cash Value
Sun Life- Protection- 20 paiements
Total Cash Value
BMO- Patrimoine- 20 paiements
Total Cash Value
Canada Vie- Réalisateur succession- 20 paiements
Total Cash Value
47
1
$259.88 $538.00 $521.34 $514.00 $512.00 $460.42 $572.11
48
2
$862.05 $1,423.00 $1,115.14 $1,210.00 $1,399.00 $1,523.29 $867.58
49
3
$1,800.97 $2,671.00 $1,776.88 $2,206.00 $2,677.00 $3,237.29 $1,285.20
50
4
$3,099.06 $4,304.00 $2,517.99 $3,594.00 $4,377.00 $5,280.55 $2,255.85
51
5
$7,125.98 $8,811.00 $6,022.37 $5,454.00 $8,798.00 $8,359.56 $4,219.55
52
6
$12,002.01 $14,734.00 $10,872.62 $10,095.00 $14,672.00 $12,268.23 $6,905.29
53
7
$18,145.82 $25,554.00 $17,162.55 $16,813.00 $25,312.00 $17,077.06 $10,348.35
54
8
$25,620.51 $38,836.00 $25,000.65 $24,544.00 $38,557.00 $22,038.80 $14,945.82
55
9
$34,487.32 $55,037.00 $34,505.59 $34,440.00 $54,505.00 $28,696.53 $20,736.05
56
10
$44,806.18 $74,116.00 $45,782.76 $45,779.00 $73,265.00 $36,461.54 $27,758.76
57
11
$60,385.67 $96,177.00 $58,964.39 $59,008.00 $94,952.00 $50,073.44 $36,437.61
58
12
$78,322.70 $121,336.00 $74,173.51 $74,485.00 $119,674.00 $66,186.87 $46,814.82
59
13
$98,706.26 $149,703.00 $91,543.72 $91,460.00 $147,551.00 $84,986.29 $58,986.39
60
14
$121,622.12 $181,397.00 $111,207.54 $110,575.00 $178,699.00 $106,662.67 $73,013.94
61
15
$147,164.70 $216,531.00 $133,305.01 $132,543.00 $213,241.00 $131,407.68 $88,957.49
62
16
$175,426.34 $237,954.00 $157,985.87 $164,723.00 $234,879.00 $159,422.96 $107,156.90
63
17
$206,512.95 $260,522.00 $185,418.01 $200,329.00 $257,768.00 $190,982.07 $127,998.38
64
18
$240,530.85 $284,282.00 $215,766.79 $240,151.00 $281,983.00 $226,329.98 $150,806.14
65
19
$277,600.60 $303,686.00 $249,219.22 $284,029.00 $302,440.00 $265,730.64 $176,311.81
66
20
$306,529.12 $321,503.00 $285,954.99 $332,035.00 $321,807.00 $309,465.42 $204,528.41
67
21
$324,542.65 $340,180.00 $303,310.47 $363,101.00 $342,063.00 $330,368.61 $235,354.59
68
22
$343,382.42 $359,748.00 $321,482.97 $386,787.00 $363,382.00 $352,005.72 $269,073.12
69
23
$363,072.93 $380,244.00 $340,494.87 $411,419.00 $385,801.00 $374,367.83 $304,953.47
70
24
$383,638.66 $401,706.00 $360,370.78 $437,887.00 $409,365.00 $397,439.66 $344,094.43
71
25
$405,106.85 $424,172.00 $381,122.10 $465,147.00 $434,118.00 $421,210.79 $386,168.00
72
26
$427,501.88 $447,691.00 $402,774.29 $493,574.00 $460,093.00 $445,666.81 $407,630.21
73
27
$450,854.89 $472,302.00 $425,341.01 $523,197.00 $487,311.00 $470,782.65 $429,591.58
74
28
$475,197.30 $498,059.00 $448,842.31 $554,039.00 $515,804.00 $496,538.26 $452,451.24
75
29
$500,570.30 $525,016.00 $473,281.13 $586,588.00 $545,651.00 $522,908.82 $476,095.01
76
30
$526,914.66 $553,230.00 $498,681.65 $619,626.00 $576,913.00 $549,869.40 $500,700.19
77
31
$553,343.54 $582,754.00 $525,056.99 $654,466.00 $609,655.00 $577,393.16 $525,860.78
78
32
$580,966.89 $613,664.00 $552,423.50 $690,668.00 $643,942.00 $605,451.49 $552,220.85
79
33
$609,843.45 $646,022.00 $580,782.34 $727,874.00 $678,982.00 $634,007.61 $579,618.11
80
34
$640,033.76 $679,913.00 $610,149.35 $767,442.00 $715,596.00 $663,051.34 $607,511.83
81
35
$671,618.61 $715,421.00 $640,547.98 $807,727.00 $753,966.00 $692,537.46 $636,612.73
82
36
$704,675.10 $752,064.00 $671,972.49 $849,958.00 $794,200.00 $722,459.55 $666,659.97
83
37
$739,092.70 $789,226.00 $704,450.21 $894,874.00 $836,241.00 $752,778.55 $697,643.07
84
38
$774,723.88 $827,813.00 $737,981.84 $936,754.00 $879,935.00 $783,496.27 $729,426.05
85
39
$811,542.42 $867,837.00 $772,584.38 $980,756.00 $925,150.00 $814,588.47 $762,452.05
86
40
$849,510.40 $909,289.00 $808,279.68 $1,025,848.00 $971,834.00 $846,054.22 $796,202.76
87
41
$888,594.53 $952,166.00 $845,079.93 $1,071,685.00 $1,020,065.00 $877,894.05 $827,790.32
88
42
$928,724.35 $996,461.00 $883,012.68 $1,119,885.00 $1,069,798.00 $910,136.82 $860,176.28
89
43
$969,816.46 $1,042,143.00 $922,076.08 $1,168,576.00 $1,120,940.00 $942,799.13 $893,328.08
90
44
$1,011,773.64 $1,089,191.00 $962,322.31 $1,218,964.00 $1,173,442.00 $975,938.86 $927,050.50
91
45
$1,054,525.01 $1,137,595.00 $1,003,772.08 $1,270,403.00 $1,227,116.00 $1,009,631.62 $961,116.46
92
46
$1,097,997.97 $1,187,361.00 $1,046,480.08 $1,324,307.00 $1,281,858.00 $1,043,979.79 $996,207.01
93
47
$1,142,509.56 $1,238,271.00 $1,090,527.30 $1,377,847.00 $1,337,949.00 $1,079,156.51 $1,032,118.92
94
48
$1,188,438.29 $1,289,932.00 $1,136,014.84 $1,433,115.00 $1,395,770.00 $1,115,394.23 $1,068,635.41
95
49
$1,235,985.39 $1,342,280.00 $1,183,125.60 $1,489,160.00 $1,455,484.00 $1,153,001.42 $1,105,920.05
96
50
$1,285,508.17 $1,395,411.00 $1,232,176.11 $1,547,225.00 $1,517,573.00 $1,192,477.45 $1,143,981.54
97
51
$1,337,728.59 $1,449,752.00 $1,283,671.09 $1,607,067.00 $1,583,232.00 $1,234,511.07 $1,183,504.78
98
52
$1,393,829.09 $1,506,311.00 $1,338,525.27 $1,668,510.00 $1,654,366.00 $1,280,150.63 $1,225,135.01
99
53
$1,455,317.18 $1,567,230.00 $1,398,424.06 $1,746,811.00 $1,733,331.00 $1,331,020.22 $1,269,600.23

Presentation Summary - Cont.


Age Years RBC- Croissance- 20 paiements
Total Insurance Benefit
iA- Patrimoine- 20 paiements
Total Insurance Benefit
Empire- AssurMax- 20 paiements
Total Insurance Benefit
Equitable- Batisseur de patrimoine- 20 paiements
Total Insurance Benefit
Sun Life- Protection- 20 paiements
Total Insurance Benefit
BMO- Patrimoine- 20 paiements
Total Insurance Benefit
Canada Vie- Réalisateur succession- 20 paiements
Total Insurance Benefit
47
1
$356,803.05 $366,501.00 $407,294.00 $379,123.00 $347,291.00 $396,840.00 $357,060.17
48
2
$358,591.31 $369,068.00 $409,139.26 $381,265.00 $349,913.00 $397,135.00 $357,914.60
49
3
$361,246.93 $372,511.00 $411,096.94 $384,195.00 $353,505.00 $397,732.00 $359,063.23
50
4
$364,747.18 $376,803.00 $413,134.58 $388,114.00 $358,062.00 $398,654.00 $360,686.25
51
5
$369,081.31 $381,916.00 $415,274.19 $393,119.00 $363,543.00 $400,046.00 $362,956.97
52
6
$374,249.61 $387,826.00 $417,511.28 $399,260.00 $369,956.00 $401,992.00 $366,035.68
53
7
$380,226.60 $394,526.00 $420,081.71 $406,566.00 $377,285.00 $404,574.00 $369,940.75
54
8
$387,016.14 $401,997.00 $423,073.65 $415,021.00 $385,533.00 $407,733.00 $374,676.59
55
9
$394,614.61 $410,287.00 $426,577.98 $424,624.00 $394,695.00 $411,659.00 $380,257.59
56
10
$403,019.88 $419,399.00 $430,689.68 $435,354.00 $404,787.00 $416,419.00 $386,708.62
57
11
$412,241.32 $429,337.00 $435,485.17 $447,112.00 $415,811.00 $422,762.00 $394,063.57
58
12
$422,289.01 $440,104.00 $441,056.00 $459,873.00 $427,779.00 $430,847.00 $402,362.03
59
13
$433,174.53 $451,701.00 $447,476.72 $473,559.00 $440,712.00 $440,822.00 $411,698.34
60
14
$444,891.02 $464,137.00 $454,827.53 $488,667.00 $454,645.00 $452,831.00 $422,132.04
61
15
$457,469.83 $477,422.00 $463,183.22 $505,522.00 $469,600.00 $467,009.00 $433,655.68
62
16
$470,921.22 $491,564.00 $472,626.20 $523,777.00 $485,600.00 $483,484.00 $446,176.58
63
17
$485,228.87 $506,485.00 $483,226.75 $543,333.00 $502,657.00 $502,385.00 $459,624.54
64
18
$500,397.25 $522,194.00 $494,957.61 $564,152.00 $520,814.00 $523,836.00 $473,977.42
65
19
$516,452.24 $538,702.00 $507,873.69 $586,149.00 $540,087.00 $547,959.00 $489,239.86
66
20
$533,396.53 $556,020.00 $522,030.76 $609,398.00 $560,524.00 $574,875.00 $505,301.46
67
21
$551,040.82 $573,849.00 $537,468.96 $633,808.00 $581,396.00 $601,704.00 $521,980.19
68
22
$569,164.62 $592,232.00 $554,234.68 $659,212.00 $602,990.00 $628,444.00 $539,108.82
69
23
$587,800.00 $611,211.00 $571,454.15 $685,452.00 $625,345.00 $655,089.00 $556,626.68
70
24
$606,975.53 $630,833.00 $589,152.63 $712,339.00 $648,500.00 $681,637.00 $574,553.92
71
25
$626,731.19 $651,151.00 $607,359.66 $739,815.00 $672,519.00 $708,082.00 $592,906.95
72
26
$647,097.40 $672,224.00 $626,104.12 $767,833.00 $697,424.00 $734,423.00 $611,721.80
73
27
$668,118.45 $694,104.00 $645,419.90 $796,400.00 $723,226.00 $760,655.00 $631,011.34
74
28
$689,843.20 $716,858.00 $665,333.43 $825,514.00 $749,985.00 $786,773.00 $650,808.21
75
29
$712,323.84 $740,550.00 $685,883.74 $855,154.00 $777,779.00 $812,774.00 $671,143.08
76
30
$735,608.26 $765,244.00 $707,096.85 $885,407.00 $806,694.00 $838,656.00 $692,040.85
77
31
$759,754.30 $791,008.00 $729,002.79 $916,163.00 $836,806.00 $864,413.00 $713,524.15
78
32
$784,819.14 $817,916.00 $751,638.38 $947,439.00 $868,180.00 $890,043.00 $735,617.88
79
33
$810,865.38 $846,036.00 $775,037.54 $979,230.00 $900,876.00 $915,543.00 $758,325.34
80
34
$837,960.17 $875,442.00 $799,227.09 $1,011,461.00 $934,964.00 $940,908.00 $781,652.23
81
35
$866,177.01 $906,207.00 $824,236.55 $1,044,176.00 $970,476.00 $966,137.00 $805,610.95
82
36
$895,584.41 $938,405.00 $850,096.86 $1,077,468.00 $1,007,516.00 $991,226.00 $830,189.27
83
37
$926,151.62 $971,967.00 $876,836.59 $1,111,332.00 $1,046,111.00 $1,016,171.00 $855,369.84
84
38
$957,803.44 $1,006,802.00 $904,486.43 $1,146,474.00 $1,086,180.00 $1,040,970.00 $881,144.44
85
39
$990,532.65 $1,042,912.00 $933,067.61 $1,182,634.00 $1,127,581.00 $1,065,619.00 $907,474.25
86
40
$1,024,319.41 $1,080,290.00 $962,602.02 $1,219,964.00 $1,170,272.00 $1,090,115.00 $934,340.58
87
41
$1,059,134.56 $1,118,930.00 $993,118.99 $1,258,581.00 $1,214,364.00 $1,114,453.00 $961,728.18
88
42
$1,094,923.95 $1,158,802.00 $1,024,637.38 $1,298,504.00 $1,259,822.00 $1,138,630.00 $989,611.11
89
43
$1,131,613.00 $1,199,864.00 $1,057,171.03 $1,339,937.00 $1,306,566.00 $1,162,640.00 $1,017,959.50
90
44
$1,169,112.29 $1,242,053.00 $1,090,736.70 $1,383,051.00 $1,354,551.00 $1,186,478.00 $1,046,756.95
91
45
$1,207,335.22 $1,285,315.00 $1,125,338.91 $1,428,062.00 $1,403,539.00 $1,210,137.00 $1,075,981.64
92
46
$1,246,185.19 $1,329,581.00 $1,160,980.44 $1,475,001.00 $1,453,388.00 $1,233,610.00 $1,105,610.27
93
47
$1,285,823.96 $1,374,480.00 $1,197,660.80 $1,523,228.00 $1,504,194.00 $1,256,887.00 $1,135,609.96
94
48
$1,326,400.35 $1,419,383.00 $1,235,347.04 $1,572,709.00 $1,556,089.00 $1,279,959.00 $1,165,954.65
95
49
$1,367,844.52 $1,463,904.00 $1,274,001.99 $1,623,738.00 $1,608,890.00 $1,302,817.00 $1,196,609.26
96
50
$1,410,058.86 $1,507,616.00 $1,313,547.76 $1,676,396.00 $1,662,539.00 $1,325,449.00 $1,227,489.13
97
51
$1,452,935.46 $1,550,069.00 $1,353,846.28 $1,731,038.00 $1,717,276.00 $1,347,851.00 $1,258,508.21
98
52
$1,496,207.34 $1,590,748.00 $1,394,657.97 $1,788,030.00 $1,773,272.00 $1,370,025.00 $1,289,437.61
99
53
$1,538,735.84 $1,629,053.00 $1,435,585.19 $1,845,371.00 $1,829,693.00 $1,391,992.00 $1,319,862.78

Internal Rate of Return of Cash Value  





Internal Rate of Return of Insurance Benefit  





Alternative Investment Analysis RBC- Croissance- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,300.01 $259.88 $356,803.05
48
2
$24,907.52 $862.05 $358,591.31
49
3
$37,830.22 $1,800.97 $361,246.93
50
4
$51,075.98 $3,099.06 $364,747.18
51
5
$64,652.89 $7,125.98 $369,081.31
52
6
$78,569.23 $12,002.01 $374,249.61
53
7
$92,833.47 $18,145.82 $380,226.60
54
8
$107,454.32 $25,620.51 $387,016.14
55
9
$122,440.68 $34,487.32 $394,614.61
56
10
$137,801.71 $44,806.18 $403,019.88
57
11
$153,546.76 $60,385.67 $412,241.32
58
12
$169,685.44 $78,322.70 $422,289.01
59
13
$186,227.59 $98,706.26 $433,174.53
60
14
$203,183.29 $121,622.12 $444,891.02
61
15
$220,562.88 $147,164.70 $457,469.83
62
16
$238,376.96 $175,426.34 $470,921.22
63
17
$256,636.40 $206,512.95 $485,228.87
64
18
$275,352.32 $240,530.85 $500,397.25
65
19
$294,536.14 $277,600.60 $516,452.24
66
20
$314,199.55 $306,529.12 $533,396.53
67
21
$322,054.54 $324,542.65 $551,040.82
68
22
$330,105.90 $343,382.42 $569,164.62
69
23
$338,358.55 $363,072.93 $587,800.00
70
24
$346,817.51 $383,638.66 $606,975.53
71
25
$355,487.95 $405,106.85 $626,731.19
72
26
$364,375.15 $427,501.88 $647,097.40
73
27
$373,484.53 $450,854.89 $668,118.45
74
28
$382,821.64 $475,197.30 $689,843.20
75
29
$392,392.18 $500,570.30 $712,323.84
76
30
$402,201.99 $526,914.66 $735,608.26
77
31
$412,257.04 $553,343.54 $759,754.30
78
32
$422,563.46 $580,966.89 $784,819.14
79
33
$433,127.55 $609,843.45 $810,865.38
80
34
$443,955.74 $640,033.76 $837,960.17
81
35
$455,054.63 $671,618.61 $866,177.01
82
36
$466,431.00 $704,675.10 $895,584.41
83
37
$478,091.77 $739,092.70 $926,151.62
84
38
$490,044.07 $774,723.88 $957,803.44
85
39
$502,295.17 $811,542.42 $990,532.65
86
40
$514,852.55 $849,510.40 $1,024,319.41
87
41
$527,723.86 $888,594.53 $1,059,134.56
88
42
$540,916.96 $928,724.35 $1,094,923.95
89
43
$554,439.88 $969,816.46 $1,131,613.00
90
44
$568,300.88 $1,011,773.64 $1,169,112.29
91
45
$582,508.40 $1,054,525.01 $1,207,335.22
92
46
$597,071.11 $1,097,997.97 $1,246,185.19
93
47
$611,997.89 $1,142,509.56 $1,285,823.96
94
48
$627,297.84 $1,188,438.29 $1,326,400.35
95
49
$642,980.28 $1,235,985.39 $1,367,844.52
96
50
$659,054.79 $1,285,508.17 $1,410,058.86
97
51
$675,531.16 $1,337,728.59 $1,452,935.46
98
52
$692,419.44 $1,393,829.09 $1,496,207.34
99
53
$709,729.93 $1,455,317.18 $1,538,735.84
100
54
$727,473.17 $1,526,269.48 $1,579,816.35
101
55
$745,660.00 $1,618,101.11 $1,618,101.11

Alternative Investment Analysis iA- Patrimoine- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,300.02 $538.00 $366,501.00
48
2
$24,907.54 $1,423.00 $369,068.00
49
3
$37,830.25 $2,671.00 $372,511.00
50
4
$51,076.03 $4,304.00 $376,803.00
51
5
$64,652.95 $8,811.00 $381,916.00
52
6
$78,569.29 $14,734.00 $387,826.00
53
7
$92,833.55 $25,554.00 $394,526.00
54
8
$107,454.40 $38,836.00 $401,997.00
55
9
$122,440.79 $55,037.00 $410,287.00
56
10
$137,801.83 $74,116.00 $419,399.00
57
11
$153,546.89 $96,177.00 $429,337.00
58
12
$169,685.58 $121,336.00 $440,104.00
59
13
$186,227.74 $149,703.00 $451,701.00
60
14
$203,183.46 $181,397.00 $464,137.00
61
15
$220,563.07 $216,531.00 $477,422.00
62
16
$238,377.16 $237,954.00 $491,564.00
63
17
$256,636.61 $260,522.00 $506,485.00
64
18
$275,352.55 $284,282.00 $522,194.00
65
19
$294,536.38 $303,686.00 $538,702.00
66
20
$314,199.81 $321,503.00 $556,020.00
67
21
$322,054.81 $340,180.00 $573,849.00
68
22
$330,106.18 $359,748.00 $592,232.00
69
23
$338,358.83 $380,244.00 $611,211.00
70
24
$346,817.80 $401,706.00 $630,833.00
71
25
$355,488.25 $424,172.00 $651,151.00
72
26
$364,375.45 $447,691.00 $672,224.00
73
27
$373,484.84 $472,302.00 $694,104.00
74
28
$382,821.96 $498,059.00 $716,858.00
75
29
$392,392.51 $525,016.00 $740,550.00
76
30
$402,202.32 $553,230.00 $765,244.00
77
31
$412,257.38 $582,754.00 $791,008.00
78
32
$422,563.82 $613,664.00 $817,916.00
79
33
$433,127.91 $646,022.00 $846,036.00
80
34
$443,956.11 $679,913.00 $875,442.00
81
35
$455,055.01 $715,421.00 $906,207.00
82
36
$466,431.39 $752,064.00 $938,405.00
83
37
$478,092.17 $789,226.00 $971,967.00
84
38
$490,044.48 $827,813.00 $1,006,802.00
85
39
$502,295.59 $867,837.00 $1,042,912.00
86
40
$514,852.98 $909,289.00 $1,080,290.00
87
41
$527,724.30 $952,166.00 $1,118,930.00
88
42
$540,917.41 $996,461.00 $1,158,802.00
89
43
$554,440.35 $1,042,143.00 $1,199,864.00
90
44
$568,301.35 $1,089,191.00 $1,242,053.00
91
45
$582,508.89 $1,137,595.00 $1,285,315.00
92
46
$597,071.61 $1,187,361.00 $1,329,581.00
93
47
$611,998.40 $1,238,271.00 $1,374,480.00
94
48
$627,298.36 $1,289,932.00 $1,419,383.00
95
49
$642,980.82 $1,342,280.00 $1,463,904.00
96
50
$659,055.34 $1,395,411.00 $1,507,616.00
97
51
$675,531.72 $1,449,752.00 $1,550,069.00
98
52
$692,420.02 $1,506,311.00 $1,590,748.00
99
53
$709,730.52 $1,567,230.00 $1,629,053.00
100
54
$727,473.78 $1,636,946.00 $1,664,373.00
101
55
$745,660.62 $1,698,126.00 $1,698,126.00

Alternative Investment Analysis Empire- AssurMax- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,300.01 $521.34 $407,294.00
48
2
$24,907.52 $1,115.14 $409,139.26
49
3
$37,830.22 $1,776.88 $411,096.94
50
4
$51,075.98 $2,517.99 $413,134.58
51
5
$64,652.89 $6,022.37 $415,274.19
52
6
$78,569.23 $10,872.62 $417,511.28
53
7
$92,833.47 $17,162.55 $420,081.71
54
8
$107,454.32 $25,000.65 $423,073.65
55
9
$122,440.68 $34,505.59 $426,577.98
56
10
$137,801.71 $45,782.76 $430,689.68
57
11
$153,546.76 $58,964.39 $435,485.17
58
12
$169,685.44 $74,173.51 $441,056.00
59
13
$186,227.59 $91,543.72 $447,476.72
60
14
$203,183.29 $111,207.54 $454,827.53
61
15
$220,562.88 $133,305.01 $463,183.22
62
16
$238,376.96 $157,985.87 $472,626.20
63
17
$256,636.40 $185,418.01 $483,226.75
64
18
$275,352.32 $215,766.79 $494,957.61
65
19
$294,536.14 $249,219.22 $507,873.69
66
20
$314,199.55 $285,954.99 $522,030.76
67
21
$322,054.54 $303,310.47 $537,468.96
68
22
$330,105.90 $321,482.97 $554,234.68
69
23
$338,358.55 $340,494.87 $571,454.15
70
24
$346,817.51 $360,370.78 $589,152.63
71
25
$355,487.95 $381,122.10 $607,359.66
72
26
$364,375.15 $402,774.29 $626,104.12
73
27
$373,484.53 $425,341.01 $645,419.90
74
28
$382,821.64 $448,842.31 $665,333.43
75
29
$392,392.18 $473,281.13 $685,883.74
76
30
$402,201.99 $498,681.65 $707,096.85
77
31
$412,257.04 $525,056.99 $729,002.79
78
32
$422,563.46 $552,423.50 $751,638.38
79
33
$433,127.55 $580,782.34 $775,037.54
80
34
$443,955.74 $610,149.35 $799,227.09
81
35
$455,054.63 $640,547.98 $824,236.55
82
36
$466,431.00 $671,972.49 $850,096.86
83
37
$478,091.77 $704,450.21 $876,836.59
84
38
$490,044.07 $737,981.84 $904,486.43
85
39
$502,295.17 $772,584.38 $933,067.61
86
40
$514,852.55 $808,279.68 $962,602.02
87
41
$527,723.86 $845,079.93 $993,118.99
88
42
$540,916.96 $883,012.68 $1,024,637.38
89
43
$554,439.88 $922,076.08 $1,057,171.03
90
44
$568,300.88 $962,322.31 $1,090,736.70
91
45
$582,508.40 $1,003,772.08 $1,125,338.91
92
46
$597,071.11 $1,046,480.08 $1,160,980.44
93
47
$611,997.89 $1,090,527.30 $1,197,660.80
94
48
$627,297.84 $1,136,014.84 $1,235,347.04
95
49
$642,980.28 $1,183,125.60 $1,274,001.99
96
50
$659,054.79 $1,232,176.11 $1,313,547.76
97
51
$675,531.16 $1,283,671.09 $1,353,846.28
98
52
$692,419.44 $1,338,525.27 $1,394,657.97
99
53
$709,729.93 $1,398,424.06 $1,435,585.19
100
54
$727,473.17 $1,466,552.09 $1,475,940.45
101
55
$745,660.00 $1,549,189.67 $1,514,516.83

Alternative Investment Analysis Equitable- Batisseur de patrimoine- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,300.00 $514.00 $379,123.00
48
2
$24,907.50 $1,210.00 $381,265.00
49
3
$37,830.19 $2,206.00 $384,195.00
50
4
$51,075.94 $3,594.00 $388,114.00
51
5
$64,652.84 $5,454.00 $393,119.00
52
6
$78,569.16 $10,095.00 $399,260.00
53
7
$92,833.39 $16,813.00 $406,566.00
54
8
$107,454.23 $24,544.00 $415,021.00
55
9
$122,440.58 $34,440.00 $424,624.00
56
10
$137,801.60 $45,779.00 $435,354.00
57
11
$153,546.64 $59,008.00 $447,112.00
58
12
$169,685.30 $74,485.00 $459,873.00
59
13
$186,227.43 $91,460.00 $473,559.00
60
14
$203,183.12 $110,575.00 $488,667.00
61
15
$220,562.70 $132,543.00 $505,522.00
62
16
$238,376.77 $164,723.00 $523,777.00
63
17
$256,636.18 $200,329.00 $543,333.00
64
18
$275,352.09 $240,151.00 $564,152.00
65
19
$294,535.89 $284,029.00 $586,149.00
66
20
$314,199.29 $332,035.00 $609,398.00
67
21
$322,054.27 $363,101.00 $633,808.00
68
22
$330,105.63 $386,787.00 $659,212.00
69
23
$338,358.27 $411,419.00 $685,452.00
70
24
$346,817.23 $437,887.00 $712,339.00
71
25
$355,487.66 $465,147.00 $739,815.00
72
26
$364,374.85 $493,574.00 $767,833.00
73
27
$373,484.22 $523,197.00 $796,400.00
74
28
$382,821.32 $554,039.00 $825,514.00
75
29
$392,391.86 $586,588.00 $855,154.00
76
30
$402,201.65 $619,626.00 $885,407.00
77
31
$412,256.69 $654,466.00 $916,163.00
78
32
$422,563.11 $690,668.00 $947,439.00
79
33
$433,127.19 $727,874.00 $979,230.00
80
34
$443,955.37 $767,442.00 $1,011,461.00
81
35
$455,054.25 $807,727.00 $1,044,176.00
82
36
$466,430.61 $849,958.00 $1,077,468.00
83
37
$478,091.38 $894,874.00 $1,111,332.00
84
38
$490,043.66 $936,754.00 $1,146,474.00
85
39
$502,294.75 $980,756.00 $1,182,634.00
86
40
$514,852.12 $1,025,848.00 $1,219,964.00
87
41
$527,723.42 $1,071,685.00 $1,258,581.00
88
42
$540,916.51 $1,119,885.00 $1,298,504.00
89
43
$554,439.42 $1,168,576.00 $1,339,937.00
90
44
$568,300.41 $1,218,964.00 $1,383,051.00
91
45
$582,507.92 $1,270,403.00 $1,428,062.00
92
46
$597,070.61 $1,324,307.00 $1,475,001.00
93
47
$611,997.38 $1,377,847.00 $1,523,228.00
94
48
$627,297.31 $1,433,115.00 $1,572,709.00
95
49
$642,979.75 $1,489,160.00 $1,623,738.00
96
50
$659,054.24 $1,547,225.00 $1,676,396.00
97
51
$675,530.60 $1,607,067.00 $1,731,038.00
98
52
$692,418.86 $1,668,510.00 $1,788,030.00
99
53
$709,729.33 $1,746,811.00 $1,845,371.00
100
54
$727,472.57 $1,838,042.00 $1,902,735.00
101
55
$745,659.38 $1,957,626.00 $1,957,626.00

Alternative Investment Analysis Sun Life- Protection- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,299.98 $512.00 $347,291.00
48
2
$24,907.46 $1,399.00 $349,913.00
49
3
$37,830.12 $2,677.00 $353,505.00
50
4
$51,075.86 $4,377.00 $358,062.00
51
5
$64,652.73 $8,798.00 $363,543.00
52
6
$78,569.03 $14,672.00 $369,956.00
53
7
$92,833.24 $25,312.00 $377,285.00
54
8
$107,454.05 $38,557.00 $385,533.00
55
9
$122,440.38 $54,505.00 $394,695.00
56
10
$137,801.37 $73,265.00 $404,787.00
57
11
$153,546.38 $94,952.00 $415,811.00
58
12
$169,685.02 $119,674.00 $427,779.00
59
13
$186,227.12 $147,551.00 $440,712.00
60
14
$203,182.78 $178,699.00 $454,645.00
61
15
$220,562.33 $213,241.00 $469,600.00
62
16
$238,376.37 $234,879.00 $485,600.00
63
17
$256,635.76 $257,768.00 $502,657.00
64
18
$275,351.63 $281,983.00 $520,814.00
65
19
$294,535.40 $302,440.00 $540,087.00
66
20
$314,198.76 $321,807.00 $560,524.00
67
21
$322,053.73 $342,063.00 $581,396.00
68
22
$330,105.08 $363,382.00 $602,990.00
69
23
$338,357.70 $385,801.00 $625,345.00
70
24
$346,816.65 $409,365.00 $648,500.00
71
25
$355,487.06 $434,118.00 $672,519.00
72
26
$364,374.24 $460,093.00 $697,424.00
73
27
$373,483.60 $487,311.00 $723,226.00
74
28
$382,820.69 $515,804.00 $749,985.00
75
29
$392,391.20 $545,651.00 $777,779.00
76
30
$402,200.98 $576,913.00 $806,694.00
77
31
$412,256.01 $609,655.00 $836,806.00
78
32
$422,562.41 $643,942.00 $868,180.00
79
33
$433,126.47 $678,982.00 $900,876.00
80
34
$443,954.63 $715,596.00 $934,964.00
81
35
$455,053.50 $753,966.00 $970,476.00
82
36
$466,429.83 $794,200.00 $1,007,516.00
83
37
$478,090.58 $836,241.00 $1,046,111.00
84
38
$490,042.84 $879,935.00 $1,086,180.00
85
39
$502,293.91 $925,150.00 $1,127,581.00
86
40
$514,851.26 $971,834.00 $1,170,272.00
87
41
$527,722.54 $1,020,065.00 $1,214,364.00
88
42
$540,915.61 $1,069,798.00 $1,259,822.00
89
43
$554,438.50 $1,120,940.00 $1,306,566.00
90
44
$568,299.46 $1,173,442.00 $1,354,551.00
91
45
$582,506.95 $1,227,116.00 $1,403,539.00
92
46
$597,069.62 $1,281,858.00 $1,453,388.00
93
47
$611,996.36 $1,337,949.00 $1,504,194.00
94
48
$627,296.27 $1,395,770.00 $1,556,089.00
95
49
$642,978.68 $1,455,484.00 $1,608,890.00
96
50
$659,053.14 $1,517,573.00 $1,662,539.00
97
51
$675,529.47 $1,583,232.00 $1,717,276.00
98
52
$692,417.71 $1,654,366.00 $1,773,272.00
99
53
$709,728.15 $1,733,331.00 $1,829,693.00
100
54
$727,471.35 $1,823,849.00 $1,884,317.00
101
55
$745,658.14 $1,932,860.00 $1,932,860.00

Alternative Investment Analysis BMO- Patrimoine- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,299.99 $460.42 $396,840.00
48
2
$24,907.48 $1,523.29 $397,135.00
49
3
$37,830.16 $3,237.29 $397,732.00
50
4
$51,075.90 $5,280.55 $398,654.00
51
5
$64,652.79 $8,359.56 $400,046.00
52
6
$78,569.10 $12,268.23 $401,992.00
53
7
$92,833.31 $17,077.06 $404,574.00
54
8
$107,454.14 $22,038.80 $407,733.00
55
9
$122,440.48 $28,696.53 $411,659.00
56
10
$137,801.48 $36,461.54 $416,419.00
57
11
$153,546.51 $50,073.44 $422,762.00
58
12
$169,685.16 $66,186.87 $430,847.00
59
13
$186,227.28 $84,986.29 $440,822.00
60
14
$203,182.95 $106,662.67 $452,831.00
61
15
$220,562.51 $131,407.68 $467,009.00
62
16
$238,376.57 $159,422.96 $483,484.00
63
17
$256,635.97 $190,982.07 $502,385.00
64
18
$275,351.86 $226,329.98 $523,836.00
65
19
$294,535.65 $265,730.64 $547,959.00
66
20
$314,199.03 $309,465.42 $574,875.00
67
21
$322,054.00 $330,368.61 $601,704.00
68
22
$330,105.35 $352,005.72 $628,444.00
69
23
$338,357.99 $374,367.83 $655,089.00
70
24
$346,816.94 $397,439.66 $681,637.00
71
25
$355,487.36 $421,210.79 $708,082.00
72
26
$364,374.54 $445,666.81 $734,423.00
73
27
$373,483.91 $470,782.65 $760,655.00
74
28
$382,821.00 $496,538.26 $786,773.00
75
29
$392,391.53 $522,908.82 $812,774.00
76
30
$402,201.32 $549,869.40 $838,656.00
77
31
$412,256.35 $577,393.16 $864,413.00
78
32
$422,562.76 $605,451.49 $890,043.00
79
33
$433,126.83 $634,007.61 $915,543.00
80
34
$443,955.00 $663,051.34 $940,908.00
81
35
$455,053.87 $692,537.46 $966,137.00
82
36
$466,430.22 $722,459.55 $991,226.00
83
37
$478,090.98 $752,778.55 $1,016,171.00
84
38
$490,043.25 $783,496.27 $1,040,970.00
85
39
$502,294.33 $814,588.47 $1,065,619.00
86
40
$514,851.69 $846,054.22 $1,090,115.00
87
41
$527,722.98 $877,894.05 $1,114,453.00
88
42
$540,916.06 $910,136.82 $1,138,630.00
89
43
$554,438.96 $942,799.13 $1,162,640.00
90
44
$568,299.93 $975,938.86 $1,186,478.00
91
45
$582,507.43 $1,009,631.62 $1,210,137.00
92
46
$597,070.12 $1,043,979.79 $1,233,610.00
93
47
$611,996.87 $1,079,156.51 $1,256,887.00
94
48
$627,296.79 $1,115,394.23 $1,279,959.00
95
49
$642,979.21 $1,153,001.42 $1,302,817.00
96
50
$659,053.69 $1,192,477.45 $1,325,449.00
97
51
$675,530.03 $1,234,511.07 $1,347,851.00
98
52
$692,418.29 $1,280,150.63 $1,370,025.00
99
53
$709,728.74 $1,331,020.22 $1,391,992.00
100
54
$727,471.96 $1,389,728.09 $1,413,814.00
101
55
$745,658.76 $1,435,634.80 $1,435,635.00

Alternative Investment Analysis Canada Vie- Réalisateur succession- 20 paiements  


Age Years Net Accumulation at 2.50% Total Cash Value Total Insurance Benefit
47
1
$12,299.99 $572.11 $357,060.17
48
2
$24,907.48 $867.58 $357,914.60
49
3
$37,830.16 $1,285.20 $359,063.23
50
4
$51,075.90 $2,255.85 $360,686.25
51
5
$64,652.79 $4,219.55 $362,956.97
52
6
$78,569.10 $6,905.29 $366,035.68
53
7
$92,833.31 $10,348.35 $369,940.75
54
8
$107,454.14 $14,945.82 $374,676.59
55
9
$122,440.48 $20,736.05 $380,257.59
56
10
$137,801.48 $27,758.76 $386,708.62
57
11
$153,546.51 $36,437.61 $394,063.57
58
12
$169,685.16 $46,814.82 $402,362.03
59
13
$186,227.28 $58,986.39 $411,698.34
60
14
$203,182.95 $73,013.94 $422,132.04
61
15
$220,562.51 $88,957.49 $433,655.68
62
16
$238,376.57 $107,156.90 $446,176.58
63
17
$256,635.97 $127,998.38 $459,624.54
64
18
$275,351.86 $150,806.14 $473,977.42
65
19
$294,535.65 $176,311.81 $489,239.86
66
20
$314,199.03 $204,528.41 $505,301.46
67
21
$322,054.00 $235,354.59 $521,980.19
68
22
$330,105.35 $269,073.12 $539,108.82
69
23
$338,357.99 $304,953.47 $556,626.68
70
24
$346,816.94 $344,094.43 $574,553.92
71
25
$355,487.36 $386,168.00 $592,906.95
72
26
$364,374.54 $407,630.21 $611,721.80
73
27
$373,483.91 $429,591.58 $631,011.34
74
28
$382,821.00 $452,451.24 $650,808.21
75
29
$392,391.53 $476,095.01 $671,143.08
76
30
$402,201.32 $500,700.19 $692,040.85
77
31
$412,256.35 $525,860.78 $713,524.15
78
32
$422,562.76 $552,220.85 $735,617.88
79
33
$433,126.83 $579,618.11 $758,325.34
80
34
$443,955.00 $607,511.83 $781,652.23
81
35
$455,053.87 $636,612.73 $805,610.95
82
36
$466,430.22 $666,659.97 $830,189.27
83
37
$478,090.98 $697,643.07 $855,369.84
84
38
$490,043.25 $729,426.05 $881,144.44
85
39
$502,294.33 $762,452.05 $907,474.25
86
40
$514,851.69 $796,202.76 $934,340.58
87
41
$527,722.98 $827,790.32 $961,728.18
88
42
$540,916.06 $860,176.28 $989,611.11
89
43
$554,438.96 $893,328.08 $1,017,959.50
90
44
$568,299.93 $927,050.50 $1,046,756.95
91
45
$582,507.43 $961,116.46 $1,075,981.64
92
46
$597,070.12 $996,207.01 $1,105,610.27
93
47
$611,996.87 $1,032,118.92 $1,135,609.96
94
48
$627,296.79 $1,068,635.41 $1,165,954.65
95
49
$642,979.21 $1,105,920.05 $1,196,609.26
96
50
$659,053.69 $1,143,981.54 $1,227,489.13
97
51
$675,530.03 $1,183,504.78 $1,258,508.21
98
52
$692,418.29 $1,225,135.01 $1,289,437.61
99
53
$709,728.74 $1,269,600.23 $1,319,862.78
100
54
$727,471.96 $1,318,361.79 $1,349,005.95
101
55
$745,658.76 $1,375,574.12 $1,375,574.12
102
56
$764,300.23 $1,400,648.36 $1,400,648.36
103
57
$783,407.73 $1,424,875.14 $1,424,875.14
104
58
$802,992.93 $1,449,424.98 $1,449,424.98
105
59
$823,067.75 $1,474,302.19 $1,474,302.19
106
60
$843,644.44 $1,499,511.14 $1,499,511.14

Credit to the CDA  





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