Report

IFA
Prepared For
Valued Client
Presented By
Matthew Gauthier
Immediate Finance Arrangement

IFA Benefits

Plan Details and Assumptions
Client Information
Valued Client (Age 52 | Non-Smoker)
IRR Summary: Whole Life
Life insurance without IFA Strategy | IFA Strategy | |||||||||
---|---|---|---|---|---|---|---|---|---|---|
Year | Policy Premium Payments | Policy Cash Surrender Value | Policy Death Benefit | Net To Estate | IRR On Net To Estate | Outstanding Loan Balance | Additional Collateral Required | Net Cash Outlay | Net To Estate | IRR on Net To Estate |
$169,970 | $100,325 | $3,030,424 | $3,030,424 | 1,682.91% | $169,970 | $88,532 | $0 | $3,021,925 | N/A | |
2
|
$169,970 | $214,541 | $3,078,557 | $3,078,557 | 278.51% | $339,941 | $163,171 | $0 | $3,057,348 | N/A |
3
|
$169,970 | $336,151 | $3,140,664 | $3,140,664 | 123.91% | $509,911 | $230,417 | $0 | $3,102,546 | N/A |
4
|
$169,970 | $467,863 | $3,214,173 | $3,214,173 | 73.15% | $679,882 | $287,561 | $0 | $3,154,949 | N/A |
$169,970 | $606,666 | $3,297,781 | $3,297,781 | 49.23% | $849,852 | $337,614 | $0 | $3,213,259 | N/A | |
6
|
$169,970 | $755,547 | $3,390,282 | $3,390,282 | 35.72% | $1,019,822 | $377,589 | $0 | $3,276,280 | N/A |
7
|
$169,970 | $911,579 | $3,490,867 | $3,490,867 | 27.22% | $1,189,793 | $410,413 | $0 | $3,343,205 | N/A |
8
|
$169,970 | $1,080,893 | $3,598,985 | $3,598,985 | 21.49% | $1,359,763 | $429,955 | $0 | $3,413,508 | N/A |
9
|
$169,970 | $1,158,757 | $3,713,965 | $3,713,965 | 17.41% | $1,529,734 | $540,947 | $0 | $3,486,529 | N/A |
$169,970 | $1,247,065 | $3,835,606 | $3,835,606 | 14.41% | $1,699,704 | $641,495 | $0 | $3,562,086 | N/A | |
11
|
$0 | $1,328,499 | $3,964,633 | $3,964,633 | 12.87% | $1,699,704 | $560,061 | $0 | $3,649,410 | N/A |
12
|
$0 | $1,416,204 | $4,094,686 | $4,094,686 | 11.69% | $1,699,704 | $472,356 | $0 | $3,736,970 | N/A |
13
|
$0 | $1,507,057 | $4,225,922 | $4,225,922 | 10.75% | $1,699,704 | $381,503 | $0 | $3,825,713 | N/A |
14
|
$0 | $1,601,747 | $4,358,262 | $4,358,262 | 9.99% | $1,699,704 | $286,813 | $0 | $3,915,561 | N/A |
$0 | $1,700,152 | $4,491,749 | $4,491,749 | 9.36% | $1,699,704 | $188,408 | $0 | $4,006,555 | N/A | |
16
|
$0 | $1,805,436 | $4,626,451 | $4,626,451 | 8.82% | $1,699,704 | $83,124 | $0 | $4,098,764 | N/A |
17
|
$0 | $1,914,272 | $4,762,288 | $4,762,288 | 8.36% | $1,699,704 | $0 | $0 | $4,192,109 | N/A |
18
|
$0 | $2,027,649 | $4,899,266 | $4,899,266 | 7.96% | $1,699,704 | $0 | $0 | $4,286,594 | N/A |
19
|
$0 | $2,148,282 | $5,037,332 | $5,037,332 | 7.62% | $1,699,704 | $0 | $0 | $4,382,168 | N/A |
$0 | $2,270,372 | $5,176,617 | $5,176,617 | 7.31% | $1,699,704 | $0 | $0 | $4,478,960 | N/A | |
21
|
$0 | $2,399,664 | $5,317,507 | $5,317,507 | 7.03% | $1,699,704 | $0 | $0 | $4,577,358 | N/A |
22
|
$0 | $2,534,470 | $5,460,054 | $5,460,054 | 6.79% | $1,699,704 | $0 | $0 | $4,677,412 | N/A |
23
|
$0 | $2,677,450 | $5,604,324 | $5,604,324 | 6.57% | $1,699,704 | $0 | $0 | $4,779,190 | N/A |
24
|
$0 | $2,825,841 | $5,750,443 | $5,750,443 | 6.36% | $1,699,704 | $0 | $0 | $4,882,816 | N/A |
$0 | $2,979,236 | $5,898,675 | $5,898,675 | 6.18% | $1,699,704 | $0 | $0 | $4,988,556 | N/A | |
26
|
$0 | $3,138,527 | $6,049,105 | $6,049,105 | 6.01% | $1,699,704 | $0 | $0 | $5,096,493 | N/A |
27
|
$0 | $3,303,993 | $6,201,877 | $6,201,877 | 5.86% | $1,699,704 | $0 | $0 | $5,206,772 | N/A |
28
|
$0 | $3,479,021 | $6,357,313 | $6,357,313 | 5.72% | $1,699,704 | $0 | $0 | $5,319,716 | N/A |
29
|
$0 | $3,657,067 | $6,515,598 | $6,515,598 | 5.59% | $1,699,704 | $0 | $0 | $5,435,508 | N/A |
$0 | $3,845,369 | $6,677,078 | $6,677,078 | 5.46% | $1,699,704 | $0 | $0 | $5,554,495 | N/A | |
31
|
$0 | $4,040,489 | $6,842,198 | $6,842,198 | 5.35% | $1,699,704 | $0 | $0 | $5,677,123 | N/A |
32
|
$0 | $4,242,751 | $7,011,238 | $7,011,238 | 5.25% | $1,699,704 | $0 | $0 | $5,803,670 | N/A |
33
|
$0 | $4,452,613 | $7,184,662 | $7,184,662 | 5.15% | $1,699,704 | $0 | $0 | $5,934,601 | N/A |
34
|
$0 | $4,670,459 | $7,362,777 | $7,362,777 | 5.06% | $1,699,704 | $0 | $0 | $6,070,224 | N/A |
$0 | $4,896,699 | $7,545,905 | $7,545,905 | 4.98% | $1,699,704 | $0 | $0 | $6,210,859 | N/A | |
36
|
$0 | $5,133,665 | $7,734,494 | $7,734,494 | 4.90% | $1,699,704 | $0 | $0 | $6,356,956 | N/A |
37
|
$0 | $5,376,869 | $7,928,827 | $7,928,827 | 4.82% | $1,699,704 | $0 | $0 | $6,508,796 | N/A |
38
|
$0 | $5,629,662 | $8,129,057 | $8,129,057 | 4.75% | $1,699,704 | $0 | $0 | $6,666,534 | N/A |
39
|
$0 | $5,889,920 | $8,335,598 | $8,335,598 | 4.69% | $1,699,704 | $0 | $0 | $6,830,582 | N/A |
$0 | $6,160,485 | $8,548,614 | $8,548,614 | 4.63% | $1,699,704 | $0 | $0 | $7,001,106 | N/A | |
41
|
$0 | $6,437,195 | $8,768,125 | $8,768,125 | 4.57% | $1,699,704 | $0 | $0 | $7,178,123 | N/A |
42
|
$0 | $6,724,796 | $8,994,326 | $8,994,326 | 4.52% | $1,699,704 | $0 | $0 | $7,361,832 | N/A |
43
|
$0 | $7,023,264 | $9,227,141 | $9,227,141 | 4.47% | $1,699,704 | $0 | $0 | $7,552,154 | N/A |
44
|
$0 | $7,326,547 | $9,466,467 | $9,466,467 | 4.42% | $1,699,704 | $0 | $0 | $7,748,988 | N/A |
$0 | $7,640,432 | $9,712,180 | $9,712,180 | 4.38% | $1,699,704 | $0 | $0 | $7,952,208 | N/A | |
46
|
$0 | $7,963,297 | $9,963,995 | $9,963,995 | 4.33% | $1,699,704 | $0 | $0 | $8,161,531 | N/A |
47
|
$0 | $8,294,918 | $10,221,600 | $10,221,600 | 4.29% | $1,699,704 | $0 | $0 | $8,376,643 | N/A |
With vs. Without IFA: Whole Life
Cash Flow Summary: Life Insurance with IFA Strategy: Whole Life
Cash Flow Summary: Whole Life
IFA Strategy | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Age | Years | Premiums Paid From Cash Flow | Beginning of Year Loan Advance | Withdrawal From Reinvestment | Annual Loan Interest Paid From Cash Flow | Tax Savings Realized This Year | Net Income Required to Use Deductions | Net Interest Paid | End of Year Loan Advance | Net Cash Outlay | Cumulative Cash Outlay |
53 | $169,970 | $169,970 | $8,499 | $8,499 | $0 | $8,573 | $8,499 | $0 | $0 | $0 | |
54 |
2
|
$169,970 | $169,970 | $12,883 | $16,997 | $4,287 | $17,174 | $12,710 | $0 | $0 | $0 |
55 |
3
|
$169,970 | $169,970 | $17,189 | $25,496 | $8,587 | $25,775 | $16,909 | $0 | $0 | $0 |
56 |
4
|
$169,970 | $169,970 | $21,523 | $33,994 | $12,888 | $34,390 | $21,106 | $0 | $0 | $0 |
57 | $169,970 | $169,970 | $25,877 | $42,493 | $17,195 | $43,021 | $25,298 | $0 | $0 | $0 | |
58 |
6
|
$169,970 | $169,970 | $30,248 | $50,991 | $21,510 | $51,660 | $29,481 | $0 | $0 | $0 |
59 |
7
|
$169,970 | $169,970 | $34,641 | $59,490 | $25,830 | $60,346 | $33,659 | $0 | $0 | $0 |
60 |
8
|
$169,970 | $169,970 | $39,035 | $67,988 | $30,173 | $69,056 | $37,815 | $0 | $0 | $0 |
61 |
9
|
$169,970 | $169,970 | $43,441 | $76,487 | $34,528 | $77,801 | $41,959 | $0 | $0 | $0 |
62 | $169,970 | $169,970 | $47,854 | $84,985 | $38,901 | $86,564 | $46,085 | $0 | $0 | $0 | |
63 |
11
|
$0 | $0 | $43,430 | $84,985 | $43,282 | $84,985 | $41,703 | $0 | $0 | $0 |
64 |
12
|
$0 | $0 | $44,522 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
65 |
13
|
$0 | $0 | $44,795 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
66 |
14
|
$0 | $0 | $45,066 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
67 | $0 | $0 | $45,335 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
68 |
16
|
$0 | $0 | $45,600 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
69 |
17
|
$0 | $0 | $45,864 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
70 |
18
|
$0 | $0 | $46,125 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
71 |
19
|
$0 | $0 | $46,383 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
72 | $0 | $0 | $46,638 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
73 |
21
|
$0 | $0 | $46,891 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
74 |
22
|
$0 | $0 | $47,140 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
75 |
23
|
$0 | $0 | $47,387 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
76 |
24
|
$0 | $0 | $47,630 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
77 | $0 | $0 | $47,870 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
78 |
26
|
$0 | $0 | $48,107 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
79 |
27
|
$0 | $0 | $48,341 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
80 |
28
|
$0 | $0 | $48,572 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
81 |
29
|
$0 | $0 | $48,799 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
82 | $0 | $0 | $49,022 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
83 |
31
|
$0 | $0 | $49,243 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
84 |
32
|
$0 | $0 | $49,460 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
85 |
33
|
$0 | $0 | $49,673 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
86 |
34
|
$0 | $0 | $49,883 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
87 | $0 | $0 | $50,089 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
88 |
36
|
$0 | $0 | $50,291 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
89 |
37
|
$0 | $0 | $50,491 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
90 |
38
|
$0 | $0 | $50,686 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
91 |
39
|
$0 | $0 | $50,878 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
92 | $0 | $0 | $51,066 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
93 |
41
|
$0 | $0 | $51,251 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
94 |
42
|
$0 | $0 | $51,432 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
95 |
43
|
$0 | $0 | $51,609 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
96 |
44
|
$0 | $0 | $51,783 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
97 | $0 | $0 | $51,953 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 | |
98 |
46
|
$0 | $0 | $52,120 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
99 |
47
|
$0 | $0 | $52,283 | $84,985 | $42,493 | $84,985 | $42,493 | $0 | $0 | $0 |
Tax Summary: Whole Life
IFA Strategy | |||||||||
---|---|---|---|---|---|---|---|---|---|
Age | Years | Annual Loan Interest | Tax Savings (Loan Interest) | Lesser of Premiums & NCPI | Loan to Death Benefit Ratio | Collateral Insurance Deduction | Tax Savings (Insurance Deduction) | Income Required For Deductions | Total Tax Savings |
53 | $8,499 | $4,249 | $1,333 | 5.61% | $75 | $37 | $8,573 | $4,287 | |
54 |
2
|
$16,997 | $8,499 | $1,602 | 11.04% | $177 | $88 | $17,174 | $8,587 |
55 |
3
|
$25,496 | $12,748 | $1,722 | 16.24% | $280 | $140 | $25,775 | $12,888 |
56 |
4
|
$33,994 | $16,997 | $1,871 | 21.15% | $396 | $198 | $34,390 | $17,195 |
57 | $42,493 | $21,246 | $2,049 | 25.77% | $528 | $264 | $43,021 | $21,510 | |
58 |
6
|
$50,991 | $25,496 | $2,225 | 30.08% | $669 | $335 | $51,660 | $25,830 |
59 |
7
|
$59,490 | $29,745 | $2,513 | 34.08% | $856 | $428 | $60,346 | $30,173 |
60 |
8
|
$67,988 | $33,994 | $2,826 | 37.78% | $1,068 | $534 | $69,056 | $34,528 |
61 |
9
|
$76,487 | $38,243 | $3,192 | 41.19% | $1,315 | $657 | $77,801 | $38,901 |
62 | $84,985 | $42,493 | $3,564 | 44.31% | $1,579 | $790 | $86,564 | $43,282 | |
63 |
11
|
$84,985 | $42,493 | $0 | 42.87% | $0 | $0 | $84,985 | $42,493 |
64 |
12
|
$84,985 | $42,493 | $0 | 41.51% | $0 | $0 | $84,985 | $42,493 |
65 |
13
|
$84,985 | $42,493 | $0 | 40.22% | $0 | $0 | $84,985 | $42,493 |
66 |
14
|
$84,985 | $42,493 | $0 | 39.00% | $0 | $0 | $84,985 | $42,493 |
67 | $84,985 | $42,493 | $0 | 37.84% | $0 | $0 | $84,985 | $42,493 | |
68 |
16
|
$84,985 | $42,493 | $0 | 36.74% | $0 | $0 | $84,985 | $42,493 |
69 |
17
|
$84,985 | $42,493 | $0 | 35.69% | $0 | $0 | $84,985 | $42,493 |
70 |
18
|
$84,985 | $42,493 | $0 | 34.69% | $0 | $0 | $84,985 | $42,493 |
71 |
19
|
$84,985 | $42,493 | $0 | 33.74% | $0 | $0 | $84,985 | $42,493 |
72 | $84,985 | $42,493 | $0 | 32.83% | $0 | $0 | $84,985 | $42,493 | |
73 |
21
|
$84,985 | $42,493 | $0 | 31.96% | $0 | $0 | $84,985 | $42,493 |
74 |
22
|
$84,985 | $42,493 | $0 | 31.13% | $0 | $0 | $84,985 | $42,493 |
75 |
23
|
$84,985 | $42,493 | $0 | 30.33% | $0 | $0 | $84,985 | $42,493 |
76 |
24
|
$84,985 | $42,493 | $0 | 29.56% | $0 | $0 | $84,985 | $42,493 |
77 | $84,985 | $42,493 | $0 | 28.82% | $0 | $0 | $84,985 | $42,493 | |
78 |
26
|
$84,985 | $42,493 | $0 | 28.10% | $0 | $0 | $84,985 | $42,493 |
79 |
27
|
$84,985 | $42,493 | $0 | 27.41% | $0 | $0 | $84,985 | $42,493 |
80 |
28
|
$84,985 | $42,493 | $0 | 26.74% | $0 | $0 | $84,985 | $42,493 |
81 |
29
|
$84,985 | $42,493 | $0 | 26.09% | $0 | $0 | $84,985 | $42,493 |
82 | $84,985 | $42,493 | $0 | 25.46% | $0 | $0 | $84,985 | $42,493 | |
83 |
31
|
$84,985 | $42,493 | $0 | 24.84% | $0 | $0 | $84,985 | $42,493 |
84 |
32
|
$84,985 | $42,493 | $0 | 24.24% | $0 | $0 | $84,985 | $42,493 |
85 |
33
|
$84,985 | $42,493 | $0 | 23.66% | $0 | $0 | $84,985 | $42,493 |
86 |
34
|
$84,985 | $42,493 | $0 | 23.09% | $0 | $0 | $84,985 | $42,493 |
87 | $84,985 | $42,493 | $0 | 22.52% | $0 | $0 | $84,985 | $42,493 | |
88 |
36
|
$84,985 | $42,493 | $0 | 21.98% | $0 | $0 | $84,985 | $42,493 |
89 |
37
|
$84,985 | $42,493 | $0 | 21.44% | $0 | $0 | $84,985 | $42,493 |
90 |
38
|
$84,985 | $42,493 | $0 | 20.91% | $0 | $0 | $84,985 | $42,493 |
91 |
39
|
$84,985 | $42,493 | $0 | 20.39% | $0 | $0 | $84,985 | $42,493 |
92 | $84,985 | $42,493 | $0 | 19.88% | $0 | $0 | $84,985 | $42,493 | |
93 |
41
|
$84,985 | $42,493 | $0 | 19.39% | $0 | $0 | $84,985 | $42,493 |
94 |
42
|
$84,985 | $42,493 | $0 | 18.90% | $0 | $0 | $84,985 | $42,493 |
95 |
43
|
$84,985 | $42,493 | $0 | 18.42% | $0 | $0 | $84,985 | $42,493 |
96 |
44
|
$84,985 | $42,493 | $0 | 17.95% | $0 | $0 | $84,985 | $42,493 |
97 | $84,985 | $42,493 | $0 | 17.50% | $0 | $0 | $84,985 | $42,493 | |
98 |
46
|
$84,985 | $42,493 | $0 | 17.06% | $0 | $0 | $84,985 | $42,493 |
99 |
47
|
$84,985 | $42,493 | $0 | 16.63% | $0 | $0 | $84,985 | $42,493 |
Sensitivity: Whole Life
IFA Strategy | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Rate Plus 1% | |||||||||||
Age | Years | Begin Year Loan Advance | Reinvestment of Loan Withdrawals to Pay Interest | Withdrawals To Repay Loan | Net Liquidation Value | Interest After Deductions | End of Year Loan Advance | Net Cash Outlay | Loan Balance | Additional Collateral | Net to Estate |
53 | $169,970 | $10,198 | $0 | $164,834 | $10,198 | $10,198 | $10,198 | $169,970 | $88,532 | $3,020,225 | |
54 |
2
|
$169,970 | $15,509 | $0 | $329,654 | $15,260 | $20,396 | $15,260 | $339,941 | $163,171 | $3,053,099 |
55 |
3
|
$169,970 | $20,712 | $0 | $494,474 | $20,308 | $30,595 | $20,308 | $509,911 | $230,417 | $3,094,898 |
56 |
4
|
$169,970 | $25,955 | $0 | $659,287 | $25,356 | $40,793 | $25,356 | $679,882 | $287,561 | $3,143,051 |
57 | $169,970 | $31,229 | $0 | $824,092 | $30,397 | $50,991 | $30,397 | $849,852 | $337,614 | $3,196,262 | |
58 |
6
|
$169,970 | $36,532 | $0 | $988,893 | $35,430 | $61,189 | $35,430 | $1,019,822 | $377,589 | $3,253,334 |
59 |
7
|
$169,970 | $41,867 | $0 | $1,153,671 | $40,458 | $71,388 | $40,458 | $1,189,793 | $410,413 | $3,313,460 |
60 |
8
|
$169,970 | $47,215 | $0 | $1,318,436 | $45,464 | $81,586 | $45,464 | $1,359,763 | $429,955 | $3,376,114 |
61 |
9
|
$169,970 | $52,584 | $0 | $1,483,184 | $50,457 | $91,784 | $50,457 | $1,529,734 | $540,947 | $3,440,637 |
62 | $169,970 | $57,970 | $0 | $1,647,923 | $55,433 | $101,982 | $55,433 | $1,699,704 | $641,495 | $3,506,845 | |
63 |
11
|
$0 | $52,679 | $0 | $1,648,713 | $50,202 | $101,982 | $50,202 | $1,699,704 | $560,061 | $3,585,671 |
64 |
12
|
$0 | $53,894 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $472,356 | $3,664,733 |
65 |
13
|
$0 | $54,283 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $381,503 | $3,744,977 |
66 |
14
|
$0 | $54,668 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $286,813 | $3,826,327 |
67 | $0 | $55,048 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $188,408 | $3,908,822 | |
68 |
16
|
$0 | $55,424 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $83,124 | $3,992,533 |
69 |
17
|
$0 | $55,795 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,077,379 |
70 |
18
|
$0 | $56,161 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,163,366 |
71 |
19
|
$0 | $56,522 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,250,441 |
72 | $0 | $56,878 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,338,734 | |
73 |
21
|
$0 | $57,229 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,428,634 |
74 |
22
|
$0 | $57,574 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,520,189 |
75 |
23
|
$0 | $57,914 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,613,469 |
76 |
24
|
$0 | $58,248 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,708,596 |
77 | $0 | $58,576 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,805,837 | |
78 |
26
|
$0 | $58,898 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $4,905,276 |
79 |
27
|
$0 | $59,214 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,007,057 |
80 |
28
|
$0 | $59,524 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,111,502 |
81 |
29
|
$0 | $59,828 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,218,795 |
82 | $0 | $60,126 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,329,285 | |
83 |
31
|
$0 | $60,418 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,443,414 |
84 |
32
|
$0 | $60,703 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,561,462 |
85 |
33
|
$0 | $60,982 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,683,895 |
86 |
34
|
$0 | $61,255 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,811,019 |
87 | $0 | $61,522 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $5,943,156 | |
88 |
36
|
$0 | $61,782 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,080,754 |
89 |
37
|
$0 | $62,036 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,224,096 |
90 |
38
|
$0 | $62,284 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,373,335 |
91 |
39
|
$0 | $62,525 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,528,884 |
92 | $0 | $62,761 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,690,910 | |
93 |
41
|
$0 | $62,990 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $6,859,429 |
94 |
42
|
$0 | $63,214 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,034,639 |
95 |
43
|
$0 | $63,431 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,216,463 |
96 |
44
|
$0 | $63,642 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,404,798 |
97 | $0 | $63,848 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,599,519 | |
98 |
46
|
$0 | $64,047 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $7,800,344 |
99 |
47
|
$0 | $64,241 | $0 | $1,648,713 | $50,991 | $101,982 | $50,991 | $1,699,704 | $0 | $8,006,958 |
Sensitivity: Whole Life
IFA Strategy | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Rate Plus 2% | |||||||||||
Age | Years | Begin Year Loan Advance | Reinvestment of Loan Withdrawals to Pay Interest | Withdrawals To Repay Loan | Net Liquidation Value | Interest After Deductions | End of Year Loan Advance | Net Cash Outlay | Loan Balance | Additional Collateral | Net to Estate |
53 | $169,970 | $11,898 | $0 | $163,984 | $11,898 | $11,898 | $11,898 | $169,970 | $88,532 | $3,018,526 | |
54 |
2
|
$169,970 | $18,150 | $0 | $327,954 | $17,809 | $23,796 | $17,809 | $339,941 | $163,171 | $3,048,850 |
55 |
3
|
$169,970 | $24,257 | $0 | $491,925 | $23,707 | $35,694 | $23,707 | $509,911 | $230,417 | $3,087,249 |
56 |
4
|
$169,970 | $30,419 | $0 | $655,888 | $29,605 | $47,592 | $29,605 | $679,882 | $287,561 | $3,131,153 |
57 | $169,970 | $36,626 | $0 | $819,843 | $35,496 | $59,490 | $35,496 | $849,852 | $337,614 | $3,179,265 | |
58 |
6
|
$169,970 | $42,874 | $0 | $983,794 | $41,379 | $71,388 | $41,379 | $1,019,822 | $377,589 | $3,230,388 |
59 |
7
|
$169,970 | $49,167 | $0 | $1,147,722 | $47,257 | $83,285 | $47,257 | $1,189,793 | $410,413 | $3,283,715 |
60 |
8
|
$169,970 | $55,485 | $0 | $1,311,638 | $53,112 | $95,183 | $53,112 | $1,359,763 | $429,955 | $3,338,721 |
61 |
9
|
$169,970 | $61,837 | $0 | $1,475,536 | $58,956 | $107,081 | $58,956 | $1,529,734 | $540,947 | $3,394,745 |
62 | $169,970 | $68,216 | $0 | $1,639,425 | $64,781 | $118,979 | $64,781 | $1,699,704 | $641,495 | $3,451,605 | |
63 |
11
|
$0 | $62,053 | $0 | $1,640,214 | $58,700 | $118,979 | $58,700 | $1,699,704 | $560,061 | $3,521,932 |
64 |
12
|
$0 | $63,411 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $472,356 | $3,592,495 |
65 |
13
|
$0 | $63,934 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $381,503 | $3,664,241 |
66 |
14
|
$0 | $64,450 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $286,813 | $3,737,092 |
67 | $0 | $64,959 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $188,408 | $3,811,089 | |
68 |
16
|
$0 | $65,460 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $83,124 | $3,886,301 |
69 |
17
|
$0 | $65,953 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $3,962,649 |
70 |
18
|
$0 | $66,438 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,040,137 |
71 |
19
|
$0 | $66,914 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,118,714 |
72 | $0 | $67,382 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,198,509 | |
73 |
21
|
$0 | $67,840 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,279,909 |
74 |
22
|
$0 | $68,290 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,362,966 |
75 |
23
|
$0 | $68,730 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,447,748 |
76 |
24
|
$0 | $69,160 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,534,377 |
77 | $0 | $69,581 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,623,119 | |
78 |
26
|
$0 | $69,992 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,714,060 |
79 |
27
|
$0 | $70,393 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,807,342 |
80 |
28
|
$0 | $70,784 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $4,903,288 |
81 |
29
|
$0 | $71,165 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,002,083 |
82 | $0 | $71,536 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,104,074 | |
83 |
31
|
$0 | $71,897 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,209,704 |
84 |
32
|
$0 | $72,249 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,319,254 |
85 |
33
|
$0 | $72,590 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,433,188 |
86 |
34
|
$0 | $72,921 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,551,815 |
87 | $0 | $73,243 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,675,452 | |
88 |
36
|
$0 | $73,554 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,804,552 |
89 |
37
|
$0 | $73,856 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $5,939,396 |
90 |
38
|
$0 | $74,149 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,080,136 |
91 |
39
|
$0 | $74,432 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,227,187 |
92 | $0 | $74,706 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,380,714 | |
93 |
41
|
$0 | $74,970 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,540,734 |
94 |
42
|
$0 | $75,226 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,707,446 |
95 |
43
|
$0 | $75,473 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $6,880,771 |
96 |
44
|
$0 | $75,711 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $7,060,608 |
97 | $0 | $75,941 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $7,246,831 | |
98 |
46
|
$0 | $76,163 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $7,439,157 |
99 |
47
|
$0 | $76,376 | $0 | $1,640,214 | $59,490 | $118,979 | $59,490 | $1,699,704 | $0 | $7,637,272 |
IFA Investment Balance Projection: Whole Life
Taxable Investment | ||||||
---|---|---|---|---|---|---|
Year | Annual Excess Cash Flow Invested | Annual Growth | Withdrawals To Pay Interest | Withdrawals To Repay Loan | End Of Year Value Of Surplus | Net Estate Benefit |
$169,970 | $0 | $8,499 | $0 | $0 | $0 | |
2
|
$169,970 | $0 | $12,883 | $0 | $0 | $0 |
3
|
$169,970 | $0 | $17,189 | $0 | $0 | $0 |
4
|
$169,970 | $0 | $21,523 | $0 | $0 | $0 |
$169,970 | $0 | $25,877 | $0 | $0 | $0 | |
6
|
$169,970 | $0 | $30,248 | $0 | $0 | $0 |
7
|
$169,970 | $0 | $34,641 | $0 | $0 | $0 |
8
|
$169,970 | $0 | $39,035 | $0 | $0 | $0 |
9
|
$169,970 | $0 | $43,441 | $0 | $0 | $0 |
$169,970 | $0 | $47,854 | $0 | $0 | $0 | |
11
|
$0 | $0 | $43,430 | $0 | $0 | $0 |
12
|
$0 | $0 | $44,522 | $0 | $0 | $0 |
13
|
$0 | $0 | $44,795 | $0 | $0 | $0 |
14
|
$0 | $0 | $45,066 | $0 | $0 | $0 |
$0 | $0 | $45,335 | $0 | $0 | $0 | |
16
|
$0 | $0 | $45,600 | $0 | $0 | $0 |
17
|
$0 | $0 | $45,864 | $0 | $0 | $0 |
18
|
$0 | $0 | $46,125 | $0 | $0 | $0 |
19
|
$0 | $0 | $46,383 | $0 | $0 | $0 |
$0 | $0 | $46,638 | $0 | $0 | $0 | |
21
|
$0 | $0 | $46,891 | $0 | $0 | $0 |
22
|
$0 | $0 | $47,140 | $0 | $0 | $0 |
23
|
$0 | $0 | $47,387 | $0 | $0 | $0 |
24
|
$0 | $0 | $47,630 | $0 | $0 | $0 |
$0 | $0 | $47,870 | $0 | $0 | $0 | |
26
|
$0 | $0 | $48,107 | $0 | $0 | $0 |
27
|
$0 | $0 | $48,341 | $0 | $0 | $0 |
28
|
$0 | $0 | $48,572 | $0 | $0 | $0 |
29
|
$0 | $0 | $48,799 | $0 | $0 | $0 |
$0 | $0 | $49,022 | $0 | $0 | $0 | |
31
|
$0 | $0 | $49,243 | $0 | $0 | $0 |
32
|
$0 | $0 | $49,460 | $0 | $0 | $0 |
33
|
$0 | $0 | $49,673 | $0 | $0 | $0 |
34
|
$0 | $0 | $49,883 | $0 | $0 | $0 |
$0 | $0 | $50,089 | $0 | $0 | $0 | |
36
|
$0 | $0 | $50,291 | $0 | $0 | $0 |
37
|
$0 | $0 | $50,491 | $0 | $0 | $0 |
38
|
$0 | $0 | $50,686 | $0 | $0 | $0 |
39
|
$0 | $0 | $50,878 | $0 | $0 | $0 |
$0 | $0 | $51,066 | $0 | $0 | $0 | |
41
|
$0 | $0 | $51,251 | $0 | $0 | $0 |
42
|
$0 | $0 | $51,432 | $0 | $0 | $0 |
43
|
$0 | $0 | $51,609 | $0 | $0 | $0 |
44
|
$0 | $0 | $51,783 | $0 | $0 | $0 |
$0 | $0 | $51,953 | $0 | $0 | $0 | |
46
|
$0 | $0 | $52,120 | $0 | $0 | $0 |
47
|
$0 | $0 | $52,283 | $0 | $0 | $0 |

Contact Information
Life Design Analysis
www.lifedesignanalysis.comContact
Matthew Gauthier
100 Kelloggs Lane Unit #1405
London ON
Canada, N5W 2T5
* 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.
Comments
Valued Client has indicated intent to buy Case Option Whole Life (#1091560)
Last Edited: Mar 26, 2024 10:50 am
Valued Client has indicated intent to buy Case Option Whole Life (#1091560)
Valued Client has indicated intent to buy Case Option Whole Life (#1091560)
Valued Client has indicated intent to buy Case Option Whole Life (#1091560)
Valued Client has indicated intent to buy Case Option Whole Life (#1091560)
Valued Client has indicated intent to buy Case Option Whole Life (#1091560)