Whole Life Legacy 65 Basic Life Insurance Illustration
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1 Page 1 of 17 Whole Life Legacy 65 Basic Prepared for: Valued Client Female, Age 30 Presented by: Bob Rhodes Small Business Insurance Agency 542 Main Street Worcester, MA Telephone Number: December 11, 2013 CRN:
2 Illustration Summary Prepared for: Underwriting Class: Client Information Valued Client, Female, Age 30 Ultra Preferred n-tobacco All face amounts, premiums, riders and underwriting classes are subject to Home Office approval. Issuing Company: Policy: Generic Policy Name: Policy Form Number: Policy Information Massachusetts Mutual Life Insurance Company Limited Payment Whole Life with Premiums Payable to Age 65 Whole Life Policy WL-MA-2007 Initial Coverage Information Base Policy Face Amount (BPFA): $250, Initial Death Benefit: $250, Initial Premium Information Premium Payment Mode: Annual Base Premium: Accelerated Death Benefit for Terminal Illness Rider: Transfer of Insured Rider: Annual $2, Premium Charge Premium Charge Initial Premium: $2, Initial Dividend Option Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. Base Policy Face Amount Increases The Whole Life Legacy 65 policy allows for Base Policy Face Amount increases upon application after the first policy year. Increases are not guaranteed. Evidence of insurability and underwriting approval of rate classes are required, unless the increase is through conversion of an eligible policy or rider or the exercise of an insurability option. If an increase to the Base Policy Face Amount is shown in this Illustration, the new death benefit and contract premium will be reflected in the Numeric Summary and in the Tabular Values for the year selected. Important Information This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. Changing the premium payment mode may increase the overall cost of the policy. Please see Premium Payment Options in the Narrative Summary for more information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 2 of 17
3 Illustration Summary As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the Internal Revenue Code based on the assumptions in this illustration. Please see the IMPORTANT TAX INFORMATION section of the Narrative Summary for more information. Policy Changes Your Illustration may show Policy Changes, such as face amount decreases, dividend option changes, the Alternate Payment Option (APO) strategy, loans, surrenders or changes to certain Rider premiums. Policy changes are not automatic. You must submit a request to our Home Office. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 3 of 17
4 Narrative Summary What This Illustration Shows This illustration describes the important features of this MassMutual Whole Life Legacy 65 life insurance policy and shows values over time on a guaranteed and non-guaranteed basis. It is designed to help you understand how this policy works. It is not a projection of how it will perform. The following pages provide a summary (and year-by-year figures) for required premiums, cash surrender values and death benefits, anticipated out-of-pocket premium payments, and other values for this policy. Many of the current values contained in this illustration depend on non-guaranteed dividends. What is Whole Life Legacy 65? IMPORTANT INFORMATION ABOUT DIVIDENDS Whole Life Legacy 65 is a permanent life insurance policy providing a guaranteed face amount. Premiums are payable to Age 65. The duration of premiums for riders varies according to the terms of the rider. The policy provides for cash value accumulation and for the payment of dividends as may be determined by the Company. As a MassMutual participating policyholder, you are eligible to receive an equitable portion of the Company's earnings, known as "divisible surplus", in the form of policy dividends. The surplus from which dividends are paid comes primarily from three sources: 1. Mortality Savings - The favorable margin between actual death claim experience and the amount expected based on the mortality table used to determine the premium. 2. Investment Earnings - Earnings on Company investments that exceed the guaranteed interest required to build up death benefit reserves and meet contractual obligations. The guaranteed interest rate for a particular policy or rider is set at issue and does not change over the life of the policy. The guaranteed interest rate is reflected in the policy's guaranteed cash value increases. 3. Expenses - The difference between actual expenses incurred and the expenses assumed in determining the premium. This illustration assumes that the dividend option is Paid-Up Additions for policy years 1 through 39. The annual dividend, if any, is used to buy additional level paid-up life insurance, adding to the policy's death benefit and total cash value. "Paid-up" means that no further premiums are required on the additional life insurance. This additional insurance is also eligible to receive dividends. Paid-up additions may be surrendered for their cash value as long as they are not being used as collateral for policy debt. The illustrated dividend option is changed to Cash for all remaining years. The annual dividend, if any, is paid to the policyowner in cash. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 4 of 17
5 Narrative Summary n-guaranteed values are based on the 2014 dividend scale. This illustration assumes a policy with an adjustable policy loan interest rate provision. It is important to understand that the payment of dividends is not guaranteed; dividends are a reflection of conditions that affect the Company and the cost of insurance. Dividend performance may, and most likely will, change over time. For this reason we strongly recommend that you look at an illustration showing a lower dividend scale to see the impact that this would have on policy values. This illustration is neither a projection nor an estimate of future results. Transfer of policy ownership to a qualified pension or profit sharing plan could result in different dividends. IMPORTANT TAX INFORMATION As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the Internal Revenue Code based on the assumptions in this illustration. Changes to the policy could cause the policy to become a MEC or change the year that the policy is illustrated to become a MEC. A Modified Endowment Contract (MEC) distinguishes between a policy purchased primarily for death protection and a policy purchased primarily for the tax advantages afforded to life insurance cash values. Once a policy is classified as a MEC, it receives less advantageous federal income tax treatment (see below). To determine if a contract is a MEC, a premium limit (the MEC limit) is established for the maximum amount of premium allowed during the first seven years, based upon rules set by the Internal Revenue Code. Under the MEC test, a MEC results if the cumulative amount paid at any time in the first seven years exceeds the cumulative MEC limit applicable in that policy year. Certain changes to the policy can subject the policy to MEC testing beyond the first seven years or can cause premiums already paid to be re-tested. Surrenders and distributions are subject to income tax to the extent they exceed the policy's cost basis. If the policy is a MEC, distributions and loans are taxable to the extent of gain and may be subject to a 10% tax penalty. Death benefit proceeds from this policy are generally excludable from the beneficiary's gross income for income tax purposes (IRC Section 101(a)(1)). Policy loans on non-mec policies are not treated as distributions or subject to income tax when taken (IRC Section 72). However, if the policy is not held until death, taxes are generally due on surrender or lapse and may in fact exceed the policy's Net Surrender Value if prior loans and surrenders were extensive. The information provided above is not written or intended as specific tax advice and may not be relied on for purposes of avoiding any federal tax penalty. Individuals are strongly encouraged to seek advice from their own personal tax or legal counsel. Riders Illustrated Accelerated Death Benefit for Terminal Illness Rider (ABR) The Accelerated Death Benefit for Terminal Illness Rider allows the policy owner to receive an advance of policy death benefits when MassMutual receives satisfactory proof the insured has a terminal illness expected to result in death within the period set forth in the Rider. The funds may be used for any purpose. This rider terminates upon acceleration. There is no cost for the addition of this rider however there is a fee if the rider is exercised. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 5 of 17
6 Narrative Summary Transfer of Insured Rider (TIR) The Transfer of Insured Rider provides the policyholder with the right to transfer or exchange a new insured in place of the current insured under the policy, provided an insurable interest exists between the owner and the substitute insured, the new insured is not older than age 75 and evidence of insurability is provided. There is no annual premium for this rider however there is a cost due if the rider is exercised. Interest Adjusted Cost (IAC) Comparison Index Life Insurance Surrender Cost Index Life Insurance Net Payment Cost Index Equivalent Level Annual Dividend at 5% 10 $2.77 $9.22 $0.53 Policy 20 $1.76 $7.95 $1.81 The Interest Adjusted Cost Comparison Indices provide two means of comparing the relative cost of similar plans of insurance issued by the same company or by different companies. A low index number represents a lower cost than a higher one. These indices reflect the time value of money by applying a 5% interest factor to policy premiums, dividends, and for the surrender cost index, the 10 and 20 year cash values. The dividends used in calculating these indices are based on the current year's scale and are neither guarantees nor estimates of future dividends. The indices do not consider: (1) the value of the services of an agent or company; (2) the relative strength and reputation of the Company and its actual dividend performance; or (3) differences in the policy provisions. Additional Information About This Illustration The fully allocated expense method is used to allocate overhead expenses for all illustrations. This illustration, using a 5.00% policy loan rate, is for a policy issued in Massachusetts on December, This rate may change on each policy anniversary date. Annual Net Outlay is based on a tax bracket of 25%. This illustration does not recognize the time value of money and should not be used to compare policy costs. See IAC section of the Narrative Summary page for policy cost information. Column Heading Definitions Age Annual Dividend Annual Net Outlay Beg Cash Value of Additions The age of the insured at the end of the policy year. The total amount of annual dividend payable. These values are based on the illustrated dividend scale and are not guaranteed. This is the out-of-pocket cost, which is comprised of the Contract Premium and adjusted for any dividends, Paid-Up Additions, cash value released, loans taken, loan repayments made or taxes due at the beginning of the policy year. The total cash value as of the end of the policy year of the Paid-Up Additions purchased by dividends earned on the base policy. These values are based on the illustrated dividend scale and are not guaranteed. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 6 of 17
7 Narrative Summary Contract Premium Beg Dividend Paid in Cash Beg Guaranteed Cash Value Guaranteed Death Benefit Paid-Up Additions Tax on Distribution Beg Cash Value Death Benefit Paid-Up Insurance The gross premium that is required to be paid at the beginning of the policy year for the benefits shown in this illustration. The annual dividend which is illustrated as being paid in cash. The cash value which is guaranteed under this policy based upon the illustrated Contract Premium for Guaranteed Values as of the end of the policy year. The amount of death benefit which is guaranteed to be payable for this policy at death based upon the illustrated Contract Premium for Guaranteed Values as of the end of the policy year. The additional paid-up insurance death benefit as of the end of the policy year purchased by dividends earned on the base policy. These values are based on the illustrated dividend scale and are not guaranteed. This column includes tax on cash distributions, generally surrenders and dividends paid in cash that are in excess of cost basis, tax on interest earned on dividends left to accumulate at interest and/or any tax due because of a Modified Endowment Contract (MEC) status. The total cash value as of the end of the policy year including all guaranteed and nonguaranteed values. These values are based on the illustrated dividend scale and are not guaranteed. This is the amount that would be payable if death occurred at the end of the policy year. These values are based on the illustrated dividend scale and are not guaranteed. The amount of fully paid-up insurance that could be purchased if the policy were converted to a fully paid-up policy as of the end of the policy year. These values are based on the illustrated dividend scale and are not guaranteed. The number of years the policy is assumed to have been in force at the end of the policy year. Key Terms Used in the Illustration Beg Death Benefit Midpoint Assumptions Attained Age The first day of the policy year. All premium payments and other outlays are assumed to be made at the beginning of the year. The last day of the policy year. Dividends are assumed to be credited on this date. All cash values are shown as of the end of the policy year. The amount payable upon death of the insured. Values are calculated assuming that the dividends are reduced by 50% and any policy charges included are an average between the current and guaranteed charges. Issue age plus policy duration years. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 7 of 17
8 Narrative Summary Premium Payment Options: You may pay premiums once a year (annually), twice a year (semiannually), four times a year (quarterly) or twelve times a year (monthly). You may pay premiums twelve times a year (monthly) only by pre-authorized electronic transfer. If you pay annual premiums by installments, there will be an additional charge. The additional charge is shown in dollars and as annual percentage rates in the table below. Premium Frequency Premium Payment (Including Installment Payment Charge) Number of Payments Per Premium Per Additional Charge (In Dollars) Additional Charge (As the Annual Percentage Rate or APR) Annual $2, $2, $ Semiannual $1, $2, $ % Quarterly $ $2, $ % Monthly $ $2, $ % Consider Additional Coverage In some cases, the cost per unit of the Whole Life Legacy 65 policy may be lower with a higher Base Policy Face Amount. You should consult with your agent about whether applying for more coverage is appropriate. Additional underwriting requirements may apply to larger face amounts, and premiums may be higher. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 8 of 17
9 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Numeric Summary and Signature Page Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. To help you understand how changes in non-guaranteed dividends may affect your future policy values, this Numeric Summary and Signature Page shows how your policy would perform based on each of the following dividend scenarios: 1) Guaranteed: The guaranteed policy values, i.e., zero dividends. 2) n-guaranteed Midpoint: 50% of the Company's currently illustrated dividend. 3) n-guaranteed Current: The Company's currently illustrated dividend. n-guarant eed Values Guaranteed Values Midpoint Assumptions Current Assumptions Contract Cash Death Cash Death Cash Death Premium Value Benefit Value Benefit Value Benefit 5 2,438 7, ,000 7, ,808 7, , ,438 21, ,000 22, ,948 23, , ,438 53, ,000 61, ,057 70, ,972 Age , , , , , ,964 I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to significant fluctuations and could be either higher or lower. The agent has told me they are not guaranteed. I understand that this illustration is not a contract. I also understand that any policy changes reflected in this illustration are not automatic, but must be submitted in writing to the Home Office. The terms of the policy constitute the actual agreement of coverage. I further understand I have the right to request a hypothetical lower scale illustration to see the potential impact of a lower dividend interest rate on my policy values. I have read and understand the IMPORTANT TAX INFORMATION section in the Narrative Summary. Applicant (At time of application) Owner (At time of delivery) Date I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with this illustration. Agent Date Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 9 of 17
10 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part I) Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Contract Premium Beg Guaranteed Cash Value _ Guaranteed Death Benefit Annual Dividend Cash Value of Additions Cash Value Paid-Up Additions , , , , ,438 2, , , ,438 4, , ,794 1, ,438 7, , ,445 1, ,438 9, , ,247 2, ,438 12, , ,203 3, ,438 15, , ,325 4, ,438 18, , ,363 19,623 6, ,438 21, , ,816 23,108 8, ,438 24, , ,387 26,472 10, ,438 26, , ,100 30,077 13, ,438 29, , ,962 33,927 16, ,438 33, , ,985 38,040 19, ,438 36, ,000 1,031 6,190 42,433 23, ,438 39, ,000 1,231 7,636 47,166 28, ,438 42, ,000 1,494 9,393 52,313 33, ,438 46, ,000 1,775 11,489 57,894 39, ,438 49, ,000 2,067 13,945 63,935 46, ,438 53, ,000 2,386 16,797 70,467 53, ,438 57, ,000 2,607 19,960 77,410 62, ,438 61, ,000 2,850 23,463 84,790 70, ,438 65, ,000 3,109 27,328 92,631 79, ,438 69, ,000 3,389 31, ,963 89, ,438 73, ,000 3,672 36, ,800 99, ,438 77, ,000 3,976 41, , , ,438 82, ,000 4,311 46, , , ,438 86, ,000 4,671 53, , , ,438 91, ,000 5,059 59, , , ,438 95, ,000 5,454 66, , ,975 Current Premiums Coverage Face Amount Annually Semi-Annually Quarterly Monthly Base Policy Insurance 250,000 2, , n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 10 of 17
11 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part I) Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Contract Premium Beg Guaranteed Cash Value _ Guaranteed Death Benefit Annual Dividend Cash Value of Additions Cash Value Paid-Up Additions , , ,000 5,840 74, , , , , ,000 6,255 82, , , , , ,000 6,693 92, , , , , ,000 7, , , , , , ,000 7, , , , , ,000 8, , , , , ,000 8, , , , , ,000 9, , , , , ,000 9, , , ,689 n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 11 of 17
12 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part I) Dividend Option: Policy dividends paid in Cash. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Contract Premium Beg Guaranteed Cash Value _ Guaranteed Death Benefit Dividend Paid in Cash Beg _ Tax on Distribution Beg Annual Net Outlay Beg Cash Value of Additions Cash Value Paid-Up Additions , , , , , , ,000 10, , , , , , ,000 10, , , , , , ,000 10, , , , , , ,000 11, , , , , , ,000 11, , , , , , ,000 11, , , , , , ,000 12, , , , , , ,000 12,347 1,336-11, , , , , ,000 12,549 3,137-9, , , , , ,000 12,737 3,184-9, , , , , ,000 13,034 3,258-9, , , , , ,000 13,306 3,327-9, , , , , ,000 13,779 3,445-10, , , , , ,000 14,143 3,536-10, , , , , ,000 14,416 3,604-10, , , , , ,000 14,686 3,672-11, , , , , ,000 14,957 3,739-11, , , , , ,000 15,093 3,773-11, , , , , ,000 15,457 3,864-11, , , , , ,000 15,749 3,937-11, , , , , ,000 16,004 4,001-12, , , , , ,000 16,093 4,023-12, , , , , ,000 15,894 3,974-11, , , , , ,000 15,880 3,970-11, , , , , ,000 16,056 4,014-12, , , , , ,000 16,299 4,075-12, , , , , ,000 16,629 4,157-12, , , , , ,000 16,655 4,164-12, , , , , ,000 16,404 4,101-12, , , , , ,000 15,275 3,819-11, , , , , ,000 14,089 3,522-10, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , ,689 n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 12 of 17
13 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part I) Dividend Option: Policy dividends paid in Cash. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Contract Premium Beg Guaranteed Cash Value _ Guaranteed Death Benefit Dividend Paid in Cash Beg _ Tax on Distribution Beg Annual Net Outlay Beg Cash Value of Additions Cash Value Paid-Up Additions , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , , , ,000 36,525 9,131-27, , , ,689 n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 13 of 17
14 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part II) Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Death Benefit Paid-Up Insurance , , ,794 13, ,178 26, ,654 40, ,440 53, ,485 66, ,804 79, ,376 91, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,859 Current Premiums Coverage Face Amount Annually Semi-Annually Quarterly Monthly Base Policy Insurance 250,000 2, , n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 14 of 17
15 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part II) Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Death Benefit Paid-Up Insurance , , , , , , , , , , , , , ,689 n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 15 of 17
16 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part II) Dividend Option: Policy dividends paid in Cash. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Death Benefit Paid-Up Insurance , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,214 n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 16 of 17
17 Policy: Limited Payment Whole Life with Premiums Payable to Age 65 Base Policy Face Amount: $250,000 Riders: ABR TIR Annual Premium: $2, Tabular Values (Part II) Dividend Option: Policy dividends paid in Cash. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all n-guaranteed values shown in this illustration. ====n-guaranteed Values==== Age End Death Benefit Paid-Up Insurance , , , , , , , , , , , , , , , , ,214 n-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 2014 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared for: Valued Client (Female, 30, Ultra Preferred n-tobacco) Page 17 of 17
18 Client Input Summary Company: MassMutual Designs - Life Product: Leg 65 WL Case: Untitled December 11, , Client #1 Insured First Name Valued Last Name Client Sex Female Date of Birth Issue Age 30 Class Ultra Prfd n-tobacco Table Rating ne Perm. Flat Extra Tax Bracket Percent 01 to Contract State Massachusetts Design Design Base Premium Mode Annual Known Face Amount Face Amount 01 to Dividend Option 01 to 39 - Paid Up Additions 40 to 91 - Cash Loan Rate Adjustable Illustrate APO Illustrate Flexible Outlay Single Payment Program [SPP] 1035 Exchange Options Product Type Dividend Rate Policy Owner Owner Age Optimize Face Amount to Best Band Reduced Paid Up n-qualified Current Individual Riders Waiver of Premium [WP] Renewable Term Rider [RTR] Guaranteed Insurability Rider [GIR] Additional Life Ins. Rider [ALIR] - Scheduled Page 1 of 3
19 Client Input Summary Company: MassMutual Designs - Life Product: Leg 65 WL Case: Untitled December 11, , Client #1 Riders - Cont'd Additional Life Ins. Rider [ALIR] - Unscheduled Long Term Care Access Rider [LTCR] Disbursements Disbursements Reports New Business Report Short Form Outlay Cash Value Increase Monthly Life Income Option / Paid-Up Insurance Internal Rate of Return on Cash Value Internal Rate of Return on Death Benefit ALIR Information MassMutual Dividends LISR Information APO Information Revised Illustration Convert Basic Illustration 'Wealth In Motion ' Agent Info Agent First Name Agent Last Name Agent Company Agent Address1 Agent Address2 Agent City Agent State Bob Rhodes Small Business Insurance Agency 542 Main Street Worcester Massachusetts Page 2 of 3
20 Client Input Summary Company: MassMutual Designs - Life Product: Leg 65 WL Case: Untitled December 11, , Client #1 Agent Info - Cont'd Agent Zip Code Agent Phone Number (508) Agent Agent License Number Agent Health License LTCR Pre-sale Training Completed MMLISI Registered Yes Bank Sale Comments: Page 3 of 3
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