Life Paid-Up at Age 65
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1 from A Life Insurance Illustration for Joe Doe Presented by Sheryl Baxter
2 LifeTimes The purpose of this illustration is to provide detailed information about LIFE PAID-UP AT AGE 65. Significant terms in this life insurance illustration are defined below. This illustration contains both guaranteed and non-guaranteed elements. Only those elements specifically noted are guaranteed. LIFE PAID-UP AT AGE 65 POLICY Life : The Life is the individual named in the policy whose life is covered by the base policy. : This is the amount payable to the beneficiary of the policy on the death of the life insured. has a guaranteed death benefit. Dividends: is a participating policy. This means that certain policy amounts are affected by the future experience of FaithLife Financial on rates of investment income, mortality experience and other factors applicable to other similar participating policies. Dividends are the vehicle by which these adjustments are made from year to year. Dividends represent a distribution of a portion of the participating surplus of FaithLife Financial which is determined annually by the Board of Directors. The set of dividends which apply to a policy under a given set of assumptions is referred to as a "Dividend Scale". A Dividend Scale, which is not guaranteed, includes dividends for future policy years in addition to the current year. For policies, dividends are payable under three dividend options: 1. The dividend can be used to purchase additional paid-up insurance. 2. The dividend can be left on deposit to grow with interest. 3. The dividend can be applied to premium. The dividends are not guaranteed and will vary - up or down - from the values shown. s: Life Paid-Up at 65 is a level premium plan. The premiums are payable until the policy anniversary following the Life 's 65th birthday and are guaranteed. These premiums are shown in the Schedule of s table. The total policy premium may be scheduled to change periodically if riders and benefits are part of this policy. Paid-Up : If the first dividend option is chosen, then Paid-Up are purchased at each policy anniversary with the dividend paid to the policy. A Paid-Up Addition is permanent insurance that is purchased with a single dividend contribution and remains as additional coverage for life. The amount of dividends declared and the amount of Paid-Up purchased in any year are not guaranteed. However, once purchased, the cash surrender value of this additional insurance is guaranteed. Page 1 of 10
3 LifeTimes : The basic coverage has s that are guaranteed. The of the Paid-Up is based on the amount of actual paid-up insurance accumulated over time. The amount of Paid-Up is not guaranteed. However, the of the Paid-Up is guaranteed. The table illustrates how the plan might perform under various scenarios. Taxes: The premiums and values in this illustration are based on tax legislation current as of the date of the illustration. Income tax is not currently payable on earnings generated within a life insurance policy provided that the policy does not exceed certain limits prescribed by the Income Tax Act. conforms with these limitations at the time of this illustration. This illustration assumes the policy will stay within prescribed limits. RIDERS AND BENEFITS Riders and s are additional coverages attached to the base policy. They enable you to tailor the policy to suit your needs and, in some instances, offer additional protection. This plan has been tailored to include the additional Riders and s listed below: Waiver of : This benefit provides that should the Life become totally disabled for a period of at least six months, the premiums due under this policy will be waived for the duration of the disability period. If the disability occurs after age 60 but prior to age 65, the premiums due under this policy will be waived until age 65. The premiums for this benefit are level and guaranteed. Page 2 of 10
4 Schedule Of s Plan Details Insurance Amount Initial Basic Plan $20,000 $ Riders and s Waiver of Total Initial Annual Total Initial Monthly-PAC $1.40 $ $15.35 Scenario Analysis The plan is a participating policy as defined in the description section. The dividends allocated to the plan may change due to changes in investment earnings, expenses, corporate taxes or mortality. The Scenario Analysis tables shown below illustrate how the plan might perform under two different Dividend Scales. The Primary Scenario shows the Society's Current Dividend Scale. This Dividend Scale is calculated using FaithLife Financial's current Dividend factors and is subject to change - up or down - depending on the Society's future experience. The Alternative Scenario shows a Dividend Scale which is 85% of the Dividend Scale in the Primary Scenario. This scenario is intended to show how a Dividend Scale change of this magnitude will affect the plan. Page 3 of 10
5 Primary Scenario (current Dividend Scale) s s 0 1 $184 $0 $0 $0 $20, , , , , , , , ,019 21, ,138 21, ,255 21, ,370 21, ,484 21, ,596 21, ,796 21, ,122 22, ,038 2,678 22, ,204 3,249 23, ,354 3,829 23, ,530 4,407 24, ,020 1,735 4,982 24, ,100 1,920 5,562 25, ,200 2,138 6,142 26, ,300 2,360 6,728 26, ,400 2,590 7,316 27, ,520 2,846 7,905 27, ,640 3,117 8,491 28, ,760 3,392 9,075 29, ,880 3,676 9,660 29, ,020 3,987 10,247 30, ,160 4,314 10,837 30, ,320 4,678 11,434 31, ,480 5,046 12,036 32, ,640 5,438 12,646 32,646 Page 4 of 10
6 Primary Scenario (current Dividend Scale) s s $184 $2,820 $5,850 $13,270 $33, ,000 6,289 13,910 33, ,200 6,770 14,567 34, ,380 7,249 15,242 35, ,600 7,783 15,937 35, ,820 8,345 16,651 36, ,040 8,950 17,380 37, ,260 9,531 18,131 38, ,520 10,195 18,899 38, ,760 10,874 19,688 39, ,020 11,631 20,494 40, ,300 12,408 21,325 41, ,560 13,183 22,184 42, ,860 14,040 23,068 43, ,160 14,974 23,975 43, ,460 15,896 24,911 44, ,780 16,886 25,872 45, ,100 17,890 26,867 46, ,440 18,967 27,896 47, ,780 20,105 28,964 48, ,120 21,308 30,069 50, ,480 22,540 31,214 51, ,840 23,837 32,394 52, ,220 25,223 33,606 53, ,600 26,681 34,845 54, ,000 28,150 36,119 56, ,400 29,693 37,429 57, ,820 31,339 38,781 58, ,240 33,076 40,178 60, ,660 34,788 41,630 61, ,080 36,584 43,128 63, ,440 38,264 44,417 64, ,820 40,045 45,738 65, ,180 41,722 47,095 67, ,540 43,646 48,470 68,470 Page 5 of 10
7 Primary Scenario (current Dividend Scale) s s $0 $13,920 $45,489 $49,879 $69, ,280 47,389 51,320 71, ,640 49,369 52,789 72, ,000 51,198 54,296 74, ,340 53,062 55,828 75, ,700 55,258 57,359 77, ,060 57,252 58,905 78, ,400 59,277 60,456 80, ,740 61,668 62,001 82, ,080 63,818 63,564 83, ,400 66,013 65,141 85, ,720 68,275 66,733 86, ,040 70,223 68,360 88, ,340 72,605 70,002 90, ,640 75,071 71,667 91, ,920 77,154 73,375 93, ,180 79,268 75,110 95, ,460 81,933 76,842 96, ,500 83,923 78,596 98, ,500 85,902 80, , ,500 87,901 82, , ,500 89,910 83, , ,500 91,926 85, , ,500 93,998 87, , ,500 96,129 88, , ,500 98,320 90, , , ,572 92, , , ,889 94, , , ,271 96, , , ,730 97, , , , , ,006 Year 63: last premium (age 64). Payment mode is monthly - PAC. Page 6 of 10
8 Alternative Scenario (85% of Current Dividend Scale) s s 0 1 $184 $0 $0 $0 $20, , , , , , , , , , ,053 21, ,148 21, ,241 21, ,333 21, ,499 21, ,772 21, ,239 22, ,134 2,717 22, ,270 3,202 23, ,429 3,684 23, ,020 1,617 4,161 24, ,100 1,784 4,641 24, ,200 1,982 5,120 25, ,300 2,182 5,602 25, ,400 2,389 6,085 26, ,520 2,622 6,566 26, ,640 2,865 7,045 27, ,760 3,113 7,520 27, ,880 3,366 7,996 27, ,020 3,646 8,471 28, ,160 3,939 8,948 28, ,320 4,264 9,428 29, ,480 4,594 9,912 29, ,640 4,941 10,401 30, ,820 5,309 10,900 30,900 Page 7 of 10
9 Alternative Scenario (85% of Current Dividend Scale) s s $184 $3,000 $5,698 $11,410 $31, ,200 6,125 11,933 31, ,380 6,545 12,468 32, ,600 7,017 13,018 33, ,820 7,510 13,581 33, ,040 8,038 14,154 34, ,260 8,546 14,743 34, ,520 9,128 15,344 35, ,760 9,716 15,960 35, ,020 10,371 16,587 36, ,300 11,044 17,232 37, ,560 11,710 17,896 37, ,860 12,448 18,578 38, ,160 13,247 19,276 39, ,460 14,033 19,994 39, ,780 14,877 20,729 40, ,100 15,730 21,488 41, ,440 16,643 22,271 42, ,780 17,602 23,081 43, ,120 18,610 23,916 43, ,480 19,642 24,779 44, ,840 20,722 25,666 45, ,220 21,874 26,574 46, ,600 23,080 27,499 47, ,000 24,295 28,448 48, ,400 25,565 29,420 49, ,820 26,915 30,419 50, ,240 28,332 31,449 51, ,660 29,724 32,516 52, ,080 31,178 33,612 53, ,440 32,512 34,523 54, ,820 33,923 35,453 55, ,180 35,244 36,406 56, ,540 36,751 37,370 57, ,920 38,194 38,354 58,354 Page 8 of 10
10 Alternative Scenario (85% of Current Dividend Scale) s s $0 $14,280 $39,671 $39,357 $59, ,640 41,204 40,377 60, ,000 42,613 41,420 61, ,340 44,041 42,477 62, ,700 45,721 43,530 63, ,060 47,242 44,590 64, ,400 48,777 45,652 65, ,740 50,584 46,705 66, ,080 52,204 47,768 67, ,400 53,846 48,838 68, ,720 55,534 49,915 69, ,040 56,981 51,012 71, ,340 58,741 52,117 72, ,640 60,557 53,234 73, ,920 62,076 54,377 74, ,180 63,607 55,534 75, ,460 65,547 56,686 76, ,500 66,919 57,851 77, ,500 68,270 59,011 79, ,500 69,632 60,159 80, ,500 71,001 61,286 81, ,500 72,373 62,390 82, ,500 73,781 63,509 83, ,500 75,225 64,641 84, ,500 76,706 65,787 85, ,500 78,225 66,947 86, ,500 79,785 68,122 88, ,500 81,385 69,311 89, ,500 83,032 70,521 90, ,000 85,318 71,849 91,849 Year 63: last premium (age 64). Payment mode is monthly - PAC. Page 9 of 10
11 LifeTimes Compliance Notice Client Signature I have received a copy of this illustration and understand that this product contains both guaranteed and non-guaranteed elements. Any non-guaranteed elements are subject to change - up or down - depending upon FaithLife Financial's future interest, mortality and expense experience. The District Representative has told me they are not guaranteed.. I understand that this illustration is incomplete without all its pages and without the signatures below. Client signature: District Representative Signature I certify that this illustration has been presented to the client and that I have explained that any non-guaranteed elements illustrated are subject to change. I made no statements that are inconsistent with the illustration. District Representative's signature: Page 10 of 10
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