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
1
$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
5
$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
10
$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
15
$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
20
$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
25
$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
30
$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
35
$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
40
$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
45
$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
1
$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
5
$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
10
$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
15
$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
20
$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
25
$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
30
$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
35
$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
40
$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
45
$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
1
$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
5
$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
10
$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
15
$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
20
$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
25
$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
30
$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
35
$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
40
$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
45
$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
1
$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
5
$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
10
$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
15
$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
20
$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
25
$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
30
$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
35
$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
40
$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
45
$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
1
$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
5
$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
10
$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
15
$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
20
$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
25
$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
30
$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
35
$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
40
$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
45
$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
1
$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
5
$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
10
$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
15
$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
20
$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
25
$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
30
$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
35
$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
40
$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
45
$0 $0 $51,953 $0 $0 $0
46
$0 $0 $52,120 $0 $0 $0
47
$0 $0 $52,283 $0 $0 $0











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Comments

  • Client Dec 05, 2023 08:33 pm

    Valued Client has indicated intent to buy Case Option Whole Life (#1091560)

    Last Edited: Mar 26, 2024 10:50 am

  • Client Dec 05, 2023 08:34 pm

    Valued Client has indicated intent to buy Case Option Whole Life (#1091560)

  • Client May 02, 2024 12:57 am

    Valued Client has indicated intent to buy Case Option Whole Life (#1091560)

  • Client May 02, 2024 12:58 am

    Valued Client has indicated intent to buy Case Option Whole Life (#1091560)

  • Client Apr 17, 2025 05:42 pm

    Valued Client has indicated intent to buy Case Option Whole Life (#1091560)

  • Client Apr 17, 2025 05:42 pm

    Valued Client has indicated intent to buy Case Option Whole Life (#1091560)