Whole Life 95 Illustration

Whole Life 95 Illustration Prepared for: L Bootcamp Presented by: Lanny D. Levin, CLU, ChFC General Agent The Lanny D. Levin Agency 600 Central Suite 333 Highland Park, IL 60035 847-266-2244 Fax: 847-681-9501 E-Mail: lanny_levin@levinagency.com Home Office: The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004 (800) 441-6455 May 18, 2007 Page : 1 of 12

Narrative Summary L Bootcamp Male Age: 40 Preferred NT Benefit $1,000,000 Whole Life 95 Total First Year Premium Premium ** Dividend Option : Paid Up Additions (D) PLAN OVERVIEW: The following is a general description of the proposed benefits. The complete terms and conditions are shown in the policy. Whole Life 95 - Whole Life Insurance Policy, Generic Form Number: 06-WL. - A permanent life insurance policy with cash value. Qualifies for annual dividends. - Level guaranteed death benefit for the insured's lifetime. - Level guaranteed premium payable to age 95. Dividend Option : Paid Up Additions (D) - Dividends are used to purchase additional paid-up insurance (PUA's). PUA's purchased with dividends will increase the cash value and the death benefit. IMPORTANT NOTES: ** Premiums and values are based on an annual mode. Guardian's current Individual Life Dividend Scale meets the requirements of the National Association of Insurance Commissioners (NAIC) Life Insurance Model Regulation and is a Disciplined Current Scale. The end-of-year dividend amount is included in the Cash Value of All Adds column, even if a dividend option other than Paid Up Additions is elected. Figures depending on dividends are based on the 2007 dividend scale and are not guaranteed. This illustration assumes that the currently illustrated non-guaranteed elements, including dividends, will continue unchanged for all years shown. This is not likely to occur and the actual results may be more or less favorable than those shown. Dividends can be affected by policy loans. The interest charged on policy loans is payable in advance and is guaranteed at the effective annual rate of 8.00% for the first 25 years. Thereafter the rate is 5.00%. The cost of this policy over a period of years cannot be determined without taking into account the interest that would have been earned on the premiums if they had been invested rather than paid to Guardian. The Numeric Summary report shows the values under three sets of assumptions. In each scenario, the values are based on paying the premium every year and taking no loans or other distributions. Guaranteed -- The columns show the values assuming that no dividends are ever paid. The guaranteed cash values are based on an interest rate of 4.00%. The premiums for any riders are shown at their guaranteed maximum cost. - The Annual Premium column shows the maximum annual premium for the base policy and any riders at the beginning of the year. - The Cash Value column shows the guaranteed cash surrender value of the base policy and any riders at the end of the year. - The Death Benefit column shows the guaranteed death benefit of the base policy and any riders at the end of the year. May 18, 2007 ID:5215 Vers: 47.3 Page : 2 of 12

Narrative Summary Current -- Current values are non-guaranteed. The columns show the values based on the 2007 dividend scale. The premiums for any riders are shown at their non-guaranteed scheduled rate. - The Net Premium column shows the amount paid (or received) at the beginning of the year based on current assumptions. - The Cash Value column shows the values at the end of the year based on current assumptions. - The Death Benefit column shows the death benefit at the end of the year based on current assumptions. Intermediate -- The columns show the values assuming dividends at 50% of the dividends contained in the current illustrated scale. The premiums for any riders are shown at a rate half way between the non-guaranteed scheduled rate and the guaranteed maximum cost, if applicable. - The Net Premium column shows the amount paid (or received) at the beginning of the year based on intermediate assumptions. - The Cash Value column shows the values at the end of the year based on the intermediate assumptions. - The Death Benefit column shows the death benefit at the end of the year based on intermediate assumptions. The Tabular Detail report is based on the same current and guaranteed assumptions and definitions as shown on the Numeric Summary report. 5% Interest Adjusted indices are shown on the Tabular Detail report. They are based on the base policy only and do not include any supplemental coverages. These indices are useful in comparing policies of similar types. A low index number represents a lower cost than a higher index number. See the Life Insurance Buyer's Guide for further information. The Planning Concept report is based on the 2007 dividend interest rate and current assumptions. This policy as shown on the Planning Concept report will not become a Modified Endowment Contract (MEC). The term MEC is designated under federal tax law. If a policy becomes a MEC, surrenders, withdrawals or policy loans will be taxed less favorably than for non-mec. Employer-owned life insurance on employees must comply with notice, consent, record keeping, and other Internal Revenue Code requirements in order for the death benefits to be excluded from income taxes. Please consult with your professional tax advisor. On the Planning Concept report, figures depending on dividends are based on the 2007 scale and are not guaranteed. Future dividends may be higher or lower than those illustrated depending on the company s actual future experience. The Planning Concept report shows the results using the current dividend scale to reduce the required number of cash premiums. The owner may have to pay premiums for a longer period or resume them at a later date. This could occur when actual future dividends are lower than those in the illustration or if the owner does not make the outlays illustrated. Since dividends can be affected by Policy Loans, any borrowing could also result in the need for additional premium payments. The tax bracket is assumed to be 28% for all years. The product(s) presented in this illustration may not yet be available in your state. Any application for an unapproved product will be declined. This illustration is only valid for use in Illinois. This illustration may not be valid if it is more than two weeks old. This illustration is complete only if all pages are attached and the producer s name, address and signature appear. May 18, 2007 ID:5215 Vers: 47.3 Page : 3 of 12

Narrative Summary SYMBOL DEFINITIONS: # This symbol indicates values shown are Beginning-of-Year This symbol indicates values shown are End-of-Year * This symbol indicates values are non-guaranteed and may be affected by dividends. @ This symbol indicates that a premium is payable unless the Guaranteed Annual Premium is shown as 0. May 18, 2007 ID:5215 Vers: 47.3 Page : 4 of 12

Numeric Summary L Bootcamp Male Age: 40 Preferred NT Benefit $1,000,000 Whole Life 95 Total First Year Premium Premium ** Dividend Option : Paid Up Additions (D) Guaranteed Current Intermediate AGE AT START YEAR ANNUAL # #* * #* * 5 44 17,520 52,030 1,000,000 17,520 67,143 1,040,465 17,520 59,444 1,019,929 10 49 17,520 130,530 1,000,000 17,520 181,908 1,132,630 17,520 154,951 1,063,289 20 59 17,520 300,490 1,000,000 17,520 525,675 1,450,774 17,520 400,890 1,201,637 31 70 17,520 508,630 1,000,000 17,520 1,204,681 2,076,852 17,520 793,433 1,441,972 36 75 17,520 605,790 1,000,000 17,520 1,662,023 2,475,092 17,520 1,018,670 1,578,166 41 80 17,520 697,920 1,000,000 17,520 2,239,175 2,970,938 17,520 1,271,159 1,734,707 46 85 17,520 777,580 1,000,000 17,520 2,951,302 3,593,824 17,520 1,543,356 1,915,442 51 90 17,520 843,030 1,000,000 17,520 3,796,704 4,356,165 17,520 1,825,108 2,117,492 APPLICANT'S STATEMENT: I have received a copy of this illustration and understand that this illustration assumes that current 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. Applicant's (Owner's) Signature Additional Signature (if required) Date INSURANCE PRODUCER'S STATEMENT: I have informed the applicant or policyowner that 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. Producer's Signature Date May 18, 2007 ID:5215 Vers: 47.3 Page : 5 of 12

Tabular Detail L Bootcamp Male Age: 40 Preferred NT Benefit $1,000,000 Whole Life 95 Total First Year Premium Premium ** Dividend Option : Paid Up Additions (D) Guaranteed Current AGE AT START YEAR ANNUAL # #* * * 1 40 17,520 0 1,000,000 17,520 0 1,000,000 2 41 17,520 9,760 1,000,000 17,520 12,660 1,002,900 3 42 17,520 23,470 1,000,000 17,520 29,772 1,014,107 4 43 17,520 37,570 1,000,000 17,520 47,926 1,026,534 5 44 17,520 52,030 1,000,000 17,520 67,143 1,040,465 6 45 17,520 66,850 1,000,000 17,520 87,485 1,055,908 7 46 17,520 82,070 1,000,000 17,520 109,039 1,072,875 8 47 17,520 97,690 1,000,000 17,520 131,877 1,091,356 9 48 17,520 113,840 1,000,000 17,520 156,133 1,111,310 10 49 17,520 130,530 1,000,000 17,520 181,908 1,132,630 11 50 17,520 147,730 1,000,000 17,520 209,247 1,155,372 12 51 17,520 163,520 1,000,000 17,520 236,292 1,179,555 13 52 17,520 179,650 1,000,000 17,520 264,908 1,205,219 14 53 17,520 196,130 1,000,000 17,520 295,499 1,232,771 15 54 17,520 212,880 1,000,000 17,520 328,119 1,262,757 16 55 17,520 229,870 1,000,000 17,520 362,857 1,295,260 17 56 17,520 247,080 1,000,000 17,520 399,823 1,330,321 18 57 17,520 264,530 1,000,000 17,520 439,150 1,367,963 19 58 17,520 282,340 1,000,000 17,520 481,058 1,408,130 20 59 17,520 300,490 1,000,000 17,520 525,675 1,450,774 21 60 17,520 318,910 1,000,000 17,520 572,768 1,495,659 22 61 17,520 337,510 1,000,000 17,520 622,426 1,542,602 23 62 17,520 356,190 1,000,000 17,520 674,702 1,591,811 24 63 17,520 374,880 1,000,000 17,520 729,661 1,643,434 25 64 17,520 393,620 1,000,000 17,520 787,471 1,697,550 26 65 17,520 412,400 1,000,000 17,520 848,288 1,754,219 27 66 17,520 431,280 1,000,000 17,520 912,312 1,813,477 28 67 17,520 450,340 1,000,000 17,520 979,780 1,875,322 29 68 17,520 469,570 1,000,000 17,520 1,050,870 1,939,804 30 69 17,520 489,030 1,000,000 17,520 1,125,809 2,006,948 31 70 17,520 508,630 1,000,000 17,520 1,204,681 2,076,852 32 71 17,520 528,330 1,000,000 17,520 1,287,668 2,149,683 33 72 17,520 547,860 1,000,000 17,520 1,374,648 2,225,776 34 73 17,520 567,260 1,000,000 17,520 1,465,884 2,305,329 35 74 17,520 586,580 1,000,000 17,520 1,561,612 2,388,390 36 75 17,520 605,790 1,000,000 17,520 1,662,023 2,475,092 37 76 17,520 624,900 1,000,000 17,520 1,767,367 2,565,584 38 77 17,520 643,790 1,000,000 17,520 1,877,711 2,660,115 39 78 17,520 662,320 1,000,000 17,520 1,993,080 2,758,983 40 79 17,520 680,370 1,000,000 17,520 2,113,520 2,862,517 41 80 17,520 697,920 1,000,000 17,520 2,239,175 2,970,938 42 81 17,520 714,860 1,000,000 17,520 2,370,074 3,084,540 43 82 17,520 731,280 1,000,000 17,520 2,506,535 3,203,451 44 83 17,520 747,250 1,000,000 17,520 2,648,835 3,327,779 45 84 17,520 762,700 1,000,000 17,520 2,797,062 3,457,773 May 18, 2007 ID:5215 Vers: 47.3 Page : 6 of 12

Tabular Detail Guaranteed Current AGE AT START YEAR ANNUAL # #* * * 46 85 17,520 777,580 1,000,000 17,520 2,951,302 3,593,824 47 86 17,520 791,810 1,000,000 17,520 3,110,604 3,735,309 48 87 17,520 805,380 1,000,000 17,520 3,274,815 3,882,214 49 88 17,520 818,360 1,000,000 17,520 3,443,945 4,034,631 50 89 17,520 830,840 1,000,000 17,520 3,617,886 4,192,611 51 90 17,520 843,030 1,000,000 17,520 3,796,704 4,356,165 52 91 17,520 855,510 1,000,000 17,520 3,981,232 4,524,903 53 92 17,520 868,750 1,000,000 17,520 4,171,883 4,698,660 54 93 17,520 883,390 1,000,000 17,520 4,369,020 4,877,320 55 94 17,520 900,440 1,000,000 17,520 4,573,227 5,060,681 56 95 0 905,740 1,000,000 0 4,762,470 5,241,206 57 96 0 910,820 1,000,000 0 4,957,102 5,426,019 58 97 0 915,660 1,000,000 0 5,157,098 5,616,115 59 98 0 920,210 1,000,000 0 5,362,228 5,811,614 60 99 0 924,370 1,000,000 0 5,572,130 6,012,840 61 100 0 927,970 1,000,000 0 5,786,024 6,220,222 62 101 0 931,500 1,000,000 0 6,004,279 6,431,386 63 102 0 934,950 1,000,000 0 6,226,801 6,646,101 64 103 0 938,340 1,000,000 0 6,453,699 6,864,356 65 104 0 941,640 1,000,000 0 6,684,682 7,086,070 66 105 0 944,860 1,000,000 0 6,919,798 7,311,236 67 106 0 948,000 1,000,000 0 7,159,083 7,539,911 68 107 0 951,050 1,000,000 0 7,402,299 7,771,958 69 108 0 954,020 1,000,000 0 7,649,556 8,007,432 70 109 0 956,890 1,000,000 0 7,900,602 8,246,268 71 110 0 959,680 1,000,000 0 8,155,626 8,488,530 72 111 0 962,370 1,000,000 0 8,414,378 8,734,168 73 112 0 964,980 1,000,000 0 8,676,999 8,983,193 74 113 0 967,490 1,000,000 0 8,943,373 9,235,699 75 114 0 969,920 1,000,000 0 9,213,668 9,491,724 76 115 0 972,250 1,000,000 0 9,487,795 9,751,404 77 116 0 974,500 1,000,000 0 9,765,941 10,014,786 78 117 0 976,650 1,000,000 0 10,048,030 10,282,032 79 118 0 978,820 1,000,000 0 10,335,409 10,553,314 80 119 0 980,630 1,000,000 0 10,624,382 10,828,912 81 120 0 1,000,000 1,000,000 0 11,109,015 11,109,016 5% Interest Adjusted Indices Year 10 20 Net Pay. 13.79 11.58 Surrender Cost Index 3.91 2.93 Equiv. Lev. Dividend 3.73 5.94 Mode Selected : Annual Mode Modal Factor Initial Modal Premium Annual 1.000000 Semi-Annual 0.515000 Quarterly 0.262650 Guard-O-Matic 0.085833 17,520.00 9,022.80 4,601.63 1,503.79 May 18, 2007 ID:5215 Vers: 47.3 Page : 7 of 12

Understanding Premium Offset This illustration shows using dividends to pay some premiums due in future years (Premium Offset). Premium Offset illustrations are shown to demonstrate the possibility of using dividend values to reduce future out-of-pocket outlays. Dividends are not guaranteed. Premiums are required for the number of years shown in the policy. Premiums shown as paid by dividends in this illustration are not canceled, forgiven or waived by the company. The Premium Offset year shown in this illustration is predicated on each non-guaranteed factor remaining unchanged in each year, a scenario which is highly unlikely. Non-guaranteed factors -- dividends, the cost of term and other riders as described in the illustration -- are likely to vary over time reflecting actual economic and mortality experience. Under current economic conditions, dividends are also reduced by an individual s policy loan activity, if any. Please note the following: Unless the illustration states specifically that a policy becomes paid-up at a specified age or year, an illustration does NOT represent a "paid-up policy". Every illustration explicitly states the required premiums in the "Narrative Summary" and "Tabular Detail" sections. Premium Offset does not occur automatically. It must be requested by the policyowner when sufficient policy values have accumulated to support a Premium Offset. Even if dividend values are adequate to offset future premiums, there may be circumstances where it is not in the policyowner s best interest to elect this option. Therefore, before deciding to elect Premium Offset, you should review your policy and personal circumstances with your agent. Future dividends may be less or more than those illustrated. If dividends are lower, you may need to continue cash outlays longer than shown, or even resume cash outlays after an initial Premium Offset. As long as the policy is in force, Guardian recommends you periodically request that your agent review a revised illustration with you. Hypothetical Example Male Age 40--Preferred NT Whole Life 99 Dividend Option Basic Face Amount No Riders Premium Paid Up Additions $250,000 $3,845.00 Offset Year * Guaranteed Factors Dividend Interest Rate 6.25% ** Dividend Interest Rate 6.5% *** 2007 Dividend Scale Full Pay until attained age 99 14 13 12 *The last year that a cash premium payment is required prior to Premium Offset is indicated. **The offset year is based on the assumption that the 2007 non-guaranteed dividend scale interest rate is reduced by 50 basis points to 6.25%. ***The offset year is based on the assumption that the 2007 non-guaranteed dividend scale interest rate is reduced by 25 basis points to 6.5%. May 18, 2007 ID:5215 Vers: 47.3 Page : 8 of 12

Planning Concept Based on the 2007 Dividend Scale L Bootcamp Male Age: 40 Preferred NT Benefit $1,000,000 Whole Life 95 Total First Year Premium Premium ** Dividend Option : Paid Up Additions (D) AGE AT START YEAR ANNUAL DIV PREM CUM PREM AFTER TAX OUTLAY CUM A/T OUTLAY BASE GUAR. ALL ADDS 1 40 0 17,520 17,520 17,520 17,520 0 0 0 1,000,000 2 41 0 17,520 35,040 17,520 35,040 9,760 2,900 12,660 1,002,900 3 42 2,900 17,520 52,560 17,520 52,560 23,470 6,302 29,772 1,014,107 4 43 3,301 17,520 70,080 17,520 70,080 37,570 10,356 47,926 1,026,534 5 44 3,838 17,520 87,600 17,520 87,600 52,030 15,113 67,143 1,040,465 6 45 4,405 17,520 105,120 17,520 105,120 66,850 20,635 87,485 1,055,908 7 46 5,014 17,520 122,640 17,520 122,640 82,070 26,969 109,039 1,072,875 8 47 5,646 17,520 140,160 17,520 140,160 97,690 34,187 131,877 1,091,356 9 48 6,325 17,520 157,680 17,520 157,680 113,840 42,293 156,133 1,111,310 10 49 6,976 17,520 175,200 17,520 175,200 130,530 51,378 181,908 1,132,630 11 50 7,687 17,520 192,720 17,520 192,720 147,730 61,517 209,247 1,155,372 12 51 8,447 17,520 210,240 17,520 210,240 163,520 72,772 236,292 1,179,555 13 52 9,242 0 210,240 0 210,240 179,650 66,651 246,301 1,157,731 14 53 9,610 0 210,240 0 210,240 196,130 61,004 257,134 1,137,878 15 54 10,298 0 210,240 0 210,240 212,880 55,907 268,787 1,120,461 16 55 11,051 0 210,240 0 210,240 229,870 51,414 281,284 1,105,469 17 56 11,838 0 210,240 0 210,240 247,080 47,588 294,668 1,092,847 18 57 12,660 0 210,240 0 210,240 264,530 44,470 309,000 1,082,531 19 58 13,501 0 210,240 0 210,240 282,340 42,069 324,409 1,074,388 20 59 14,318 0 210,240 0 210,240 300,490 40,448 340,938 1,068,316 21 60 15,177 0 210,240 0 210,240 318,910 39,374 358,284 1,063,994 22 61 15,781 0 210,240 0 210,240 337,510 38,950 376,460 1,061,134 23 62 16,474 0 210,240 0 210,240 356,190 39,262 395,452 1,059,818 24 63 17,237 0 210,240 0 210,240 374,880 40,374 415,254 1,060,077 25 64 18,044 0 210,240 0 210,240 393,620 42,323 435,943 1,061,887 26 65 18,867 0 210,240 0 210,240 412,400 45,160 457,560 1,065,208 27 66 19,718 0 210,240 0 210,240 431,280 48,916 480,196 1,069,997 28 67 20,578 0 210,240 0 210,240 450,340 53,615 503,955 1,076,190 29 68 21,438 0 210,240 0 210,240 469,570 59,320 528,890 1,083,761 30 69 22,342 0 210,240 0 210,240 489,030 66,059 555,089 1,092,677 31 70 23,249 0 210,240 0 210,240 508,630 73,916 582,546 1,102,943 32 71 24,224 0 210,240 0 210,240 528,330 82,982 611,312 1,114,608 33 72 25,270 0 210,240 0 210,240 547,860 93,427 641,287 1,127,823 34 73 26,488 0 210,240 0 210,240 567,260 105,297 672,557 1,142,637 35 74 27,726 0 210,240 0 210,240 586,580 118,638 705,218 1,159,015 36 75 28,986 0 210,240 0 210,240 605,790 133,533 739,323 1,176,972 37 76 30,313 0 210,240 0 210,240 624,900 150,053 774,953 1,196,527 38 77 31,691 0 210,240 0 210,240 643,790 168,318 812,108 1,217,759 39 78 33,188 0 210,240 0 210,240 662,320 188,431 850,751 1,240,765 40 79 34,793 0 210,240 0 210,240 680,370 210,514 890,884 1,265,658 41 80 36,530 0 210,240 0 210,240 697,920 234,611 932,531 1,292,473 42 81 38,310 0 210,240 0 210,240 714,860 260,824 975,684 1,321,296 43 82 40,214 0 210,240 0 210,240 731,280 289,175 1,020,455 1,352,116 44 83 42,120 0 210,240 0 210,240 747,250 319,707 1,066,957 1,384,925 45 84 44,061 0 210,240 0 210,240 762,700 352,490 1,115,190 1,419,775 May 18, 2007 ID:5215 Vers: 47.3 Page : 9 of 12

Planning Concept Based on the 2007 Dividend Scale AGE AT START YEAR ANNUAL DIV PREM CUM PREM AFTER TAX OUTLAY CUM A/T OUTLAY BASE GUAR. ALL ADDS 46 85 46,091 0 210,240 0 210,240 777,580 387,613 1,165,193 1,456,785 47 86 48,255 0 210,240 0 210,240 791,810 424,688 1,216,498 1,495,603 48 87 50,073 0 210,240 0 210,240 805,380 463,686 1,269,066 1,536,167 49 88 51,922 0 210,240 0 210,240 818,360 504,546 1,322,906 1,578,451 50 89 53,747 0 210,240 0 210,240 830,840 547,178 1,378,018 1,622,407 51 90 55,537 0 210,240 0 210,240 843,030 591,471 1,434,501 1,667,961 52 91 57,257 0 210,240 0 210,240 855,510 637,290 1,492,800 1,714,857 53 92 58,726 0 210,240 0 210,240 868,750 684,498 1,553,248 1,762,923 54 93 60,061 0 210,240 0 210,240 883,390 732,862 1,616,252 1,811,953 55 94 61,207 0 210,240 0 210,240 900,440 782,046 1,682,486 1,861,652 56 95 62,074 0 210,240 0 210,240 905,740 842,550 1,748,290 1,924,416 57 96 55,901 0 210,240 0 210,240 910,820 905,077 1,815,897 1,988,035 58 97 57,801 0 210,240 0 210,240 915,660 969,629 1,885,289 2,053,437 59 98 59,742 0 210,240 0 210,240 920,210 1,036,179 1,956,389 2,120,673 60 99 61,733 0 210,240 0 210,240 924,370 1,104,682 2,029,052 2,189,844 61 100 63,819 0 210,240 0 210,240 927,970 1,175,034 2,103,004 2,261,115 62 101 66,050 0 210,240 0 210,240 931,500 1,246,879 2,178,379 2,333,617 63 102 67,375 0 210,240 0 210,240 934,950 1,320,185 2,255,135 2,407,259 64 103 68,688 0 210,240 0 210,240 938,340 1,394,970 2,333,310 2,482,037 65 104 69,999 0 210,240 0 210,240 941,640 1,471,159 2,412,799 2,557,919 66 105 71,283 0 210,240 0 210,240 944,860 1,548,764 2,493,624 2,634,911 67 106 72,574 0 210,240 0 210,240 948,000 1,627,791 2,575,791 2,713,027 68 107 73,880 0 210,240 0 210,240 951,050 1,708,171 2,659,221 2,792,222 69 108 75,142 0 210,240 0 210,240 954,020 1,789,925 2,743,945 2,872,509 70 109 76,420 0 210,240 0 210,240 956,890 1,872,990 2,829,880 2,953,873 71 110 77,680 0 210,240 0 210,240 959,680 1,957,400 2,917,080 3,036,321 72 111 78,949 0 210,240 0 210,240 962,370 2,043,097 3,005,467 3,119,848 73 112 80,210 0 210,240 0 210,240 964,980 2,130,113 3,095,093 3,204,459 74 113 81,474 0 210,240 0 210,240 967,490 2,218,418 3,185,908 3,290,180 75 114 82,764 0 210,240 0 210,240 969,920 2,308,052 3,277,972 3,377,024 76 115 84,062 0 210,240 0 210,240 972,250 2,399,010 3,371,260 3,465,045 77 116 85,414 0 210,240 0 210,240 974,500 2,491,331 3,465,831 3,554,252 78 117 86,769 0 210,240 0 210,240 976,650 2,585,015 3,561,665 3,644,709 79 118 88,187 0 210,240 0 210,240 978,820 2,680,411 3,659,231 3,736,470 80 119 89,652 0 210,240 0 210,240 980,630 2,776,596 3,757,226 3,829,639 81 120 91,229 0 210,240 0 210,240 1,000,000 2,924,282 3,924,282 3,924,282 THIS ILLUSTRATION IS BASED ON THE 2007 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEED ELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THE ACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN. SEE TABULAR DETAIL FOR GUARANTEED S AND OTHER IMPORTANT INFORMATION. May 18, 2007 ID:5215 Vers: 47.3 Page : 10 of 12

Custom Planning Concept Based on the 2007 Dividend Scale L Bootcamp Male Age: 40 Preferred NT Benefit $1,000,000 Whole Life 95 Total First Year Premium Premium ** Dividend Option : Paid Up Additions (D) BASE GUAR. ALL ADDS INCREASE IN * INCREASE IN BASE GUAR. OUTLAY LESS INC IN CV * FACE AMOUNT PAID-UP INSURANCE GUARANTEED FACE AMOUNT PAID-UP INSURANCE 1 17,520 0 0 0 1,000,000 0 0 17,520 0 0 2 17,520 9,760 2,900 12,660 1,002,900 12,660 9,760 4,860 47,172 36,366 3 17,520 23,470 6,302 29,772 1,014,107 17,112 13,710 408 107,223 84,528 4 17,520 37,570 10,356 47,926 1,026,534 18,154 14,100-634 166,879 130,819 5 17,520 52,030 15,113 67,143 1,040,465 19,217 14,460-1,697 226,109 175,215 6 17,520 66,850 20,635 87,485 1,055,908 20,342 14,820-2,822 285,031 217,802 7 17,520 82,070 26,969 109,039 1,072,875 21,555 15,220-4,035 343,788 258,757 8 17,520 97,690 34,187 131,877 1,091,356 22,838 15,620-5,318 402,469 298,135 9 17,520 113,840 42,293 156,133 1,111,310 24,256 16,150-6,736 461,250 336,307 10 17,520 130,530 51,378 181,908 1,132,630 25,775 16,690-8,255 520,199 373,273 11 17,520 147,730 61,517 209,247 1,155,372 27,339 17,200-9,819 579,310 408,998 12 17,520 163,520 72,772 236,292 1,179,555 27,045 15,790-9,525 633,457 438,368 13 0 179,650 66,651 246,301 1,157,731 10,009 16,130-10,009 639,577 466,502 14 0 196,130 61,004 257,134 1,137,878 10,833 16,480-10,833 646,975 493,483 15 0 212,880 55,907 268,787 1,120,461 11,653 16,750-11,653 655,609 519,245 16 0 229,870 51,414 281,284 1,105,469 12,498 16,990-12,498 665,462 543,826 17 0 247,080 47,588 294,668 1,092,847 13,384 17,210-13,384 676,495 567,244 18 0 264,530 44,470 309,000 1,082,531 14,332 17,450-14,332 688,748 589,626 19 0 282,340 42,069 324,409 1,074,388 15,409 17,810-15,409 702,229 611,165 20 0 300,490 40,448 340,938 1,068,316 16,529 18,150-16,529 716,919 631,866 21 0 318,910 39,374 358,284 1,063,994 17,346 18,420-17,346 732,164 651,701 22 0 337,510 38,950 376,460 1,061,134 18,175 18,600-18,175 748,027 670,634 23 0 356,190 39,262 395,452 1,059,818 18,992 18,680-18,992 764,527 688,623 24 0 374,880 40,374 415,254 1,060,077 19,802 18,690-19,802 781,669 705,670 25 0 393,620 42,323 435,943 1,061,887 20,690 18,740-20,690 799,529 721,907 26 0 412,400 45,160 457,560 1,065,208 21,617 18,780-21,617 818,094 737,350 27 0 431,280 48,916 480,196 1,069,997 22,636 18,880-22,636 837,410 752,106 28 0 450,340 53,615 503,955 1,076,190 23,759 19,060-23,759 857,533 766,301 29 0 469,570 59,320 528,890 1,083,761 24,935 19,230-24,935 878,467 779,939 30 0 489,030 66,059 555,089 1,092,677 26,199 19,460-26,199 900,227 793,095 31 0 508,630 73,916 582,546 1,102,943 27,457 19,600-27,457 922,830 805,738 32 0 528,330 82,982 611,312 1,114,608 28,766 19,700-28,766 946,317 817,861 33 0 547,860 93,427 641,287 1,127,823 29,975 19,530-29,975 970,808 829,375 34 0 567,260 105,297 672,557 1,142,637 31,271 19,400-31,271 996,293 840,310 35 0 586,580 118,638 705,218 1,159,015 32,661 19,320-32,661 1,022,826 850,757 36 0 605,790 133,533 739,323 1,176,972 34,105 19,210-34,105 1,050,458 860,729 37 0 624,900 150,053 774,953 1,196,527 35,630 19,110-35,630 1,079,232 870,262 38 0 643,790 168,318 812,108 1,217,759 37,155 18,890-37,155 1,109,241 879,338 39 0 662,320 188,431 850,751 1,240,765 38,643 18,530-38,643 1,140,540 887,924 40 0 680,370 210,514 890,884 1,265,658 40,132 18,050-40,132 1,173,250 896,014 THIS ILLUSTRATION IS BASED ON THE 2007 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEED ELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THE ACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN. SEE TABULAR DETAIL FOR GUARANTEED S AND OTHER IMPORTANT INFORMATION. May 18, 2007 ID:5215 Vers: 47.3 Page : 11 of 12

Custom Planning Concept Based on the 2007 Dividend Scale L Bootcamp Male Age: 40 Preferred NT Benefit $1,000,000 Whole Life 95 Total First Year Premium Premium ** Dividend Option : Paid Up Additions (D) BASE GUAR. ALL ADDS INCREASE IN * INCREASE IN BASE GUAR. OUTLAY LESS INC IN CV * FACE AMOUNT PAID-UP INSURANCE GUARANTEED FACE AMOUNT PAID-UP INSURANCE 41 0 697,920 234,611 932,531 1,292,473 41,647 17,550-41,647 1,207,410 903,643 42 0 714,860 260,824 975,684 1,321,296 43,153 16,940-43,153 1,243,131 910,812 43 0 731,280 289,175 1,020,455 1,352,116 44,771 16,420-44,771 1,280,434 917,587 44 0 747,250 319,707 1,066,957 1,384,925 46,502 15,970-46,502 1,319,398 924,048 45 0 762,700 352,490 1,115,190 1,419,775 48,233 15,450-48,233 1,360,087 930,190 46 0 777,580 387,613 1,165,193 1,456,785 50,003 14,880-50,003 1,402,698 936,076 47 0 791,810 424,688 1,216,498 1,495,603 51,305 14,230-51,305 1,446,783 941,700 48 0 805,380 463,686 1,269,066 1,536,167 52,568 13,570-52,568 1,492,457 947,149 49 0 818,360 504,546 1,322,906 1,578,451 53,840 12,980-53,840 1,539,785 952,523 50 0 830,840 547,178 1,378,018 1,622,407 55,112 12,480-55,112 1,588,877 957,973 51 0 843,030 591,471 1,434,501 1,667,961 56,483 12,190-56,483 1,639,898 963,738 52 0 855,510 637,290 1,492,800 1,714,857 58,299 12,480-58,299 1,692,939 970,208 53 0 868,750 684,498 1,553,248 1,762,923 60,448 13,240-60,448 1,748,326 977,860 54 0 883,390 732,862 1,616,252 1,811,953 63,004 14,640-63,004 1,806,575 987,414 55 0 900,440 782,046 1,682,486 1,861,652 66,234 17,050-66,234 1,868,515 1,000,000 56 0 905,740 842,550 1,748,290 1,924,416 65,804 5,300-65,804 1,930,234 1,000,000 57 0 910,820 905,077 1,815,897 1,988,035 67,607 5,080-67,607 1,993,695 1,000,000 58 0 915,660 969,629 1,885,289 2,053,437 69,391 4,840-69,391 2,058,940 1,000,000 59 0 920,210 1,036,179 1,956,389 2,120,673 71,101 4,550-71,101 2,126,025 1,000,000 60 0 924,370 1,104,682 2,029,052 2,189,844 72,663 4,160-72,663 2,195,065 1,000,000 61 0 927,970 1,175,034 2,103,004 2,261,115 73,952 3,600-73,952 2,266,242 1,000,000 62 0 931,500 1,246,879 2,178,379 2,333,617 75,375 3,530-75,375 2,338,571 1,000,000 63 0 934,950 1,320,185 2,255,135 2,407,259 76,756 3,450-76,756 2,412,038 1,000,000 64 0 938,340 1,394,970 2,333,310 2,482,037 78,175 3,390-78,175 2,486,636 1,000,000 65 0 941,640 1,471,159 2,412,799 2,557,919 79,489 3,300-79,489 2,562,337 1,000,000 66 0 944,860 1,548,764 2,493,624 2,634,911 80,825 3,220-80,825 2,639,147 1,000,000 67 0 948,000 1,627,791 2,575,791 2,713,027 82,167 3,140-82,167 2,717,080 1,000,000 68 0 951,050 1,708,171 2,659,221 2,792,222 83,429 3,050-83,429 2,796,089 1,000,000 69 0 954,020 1,789,925 2,743,945 2,872,509 84,725 2,970-84,725 2,876,193 1,000,000 70 0 956,890 1,872,990 2,829,880 2,953,873 85,935 2,870-85,935 2,957,372 1,000,000 71 0 959,680 1,957,400 2,917,080 3,036,321 87,200 2,790-87,200 3,039,638 1,000,000 72 0 962,370 2,043,097 3,005,467 3,119,848 88,387 2,690-88,387 3,122,985 1,000,000 73 0 964,980 2,130,113 3,095,093 3,204,459 89,625 2,610-89,625 3,207,416 1,000,000 74 0 967,490 2,218,418 3,185,908 3,290,180 90,815 2,510-90,815 3,292,962 1,000,000 75 0 969,920 2,308,052 3,277,972 3,377,024 92,064 2,430-92,064 3,379,631 1,000,000 76 0 972,250 2,399,010 3,371,260 3,465,045 93,288 2,330-93,288 3,467,483 1,000,000 77 0 974,500 2,491,331 3,465,831 3,554,252 94,571 2,250-94,571 3,556,522 1,000,000 78 0 976,650 2,585,015 3,561,665 3,644,709 95,833 2,150-95,833 3,646,818 1,000,000 79 0 978,820 2,680,411 3,659,231 3,736,470 97,566 2,170-97,566 3,738,410 1,000,000 80 0 980,630 2,776,596 3,757,226 3,829,639 97,995 1,810-97,995 3,831,441 1,000,000 81 0 1,000,000 2,924,282 3,924,282 3,924,282 167,056 19,370-167,056 3,924,282 1,000,000 THIS ILLUSTRATION IS BASED ON THE 2007 DIVIDEND SCALE AND ASSUMES THAT THE CURRENTLY ILLUSTRATED NON-GUARANTEED ELEMENTS, INCLUDING DIVIDENDS, WILL CONTINUE UNCHANGED FOR ALL YEARS SHOWN. THIS IS NOT LIKELY TO OCCUR AND THE ACTUAL RESULTS MAY BE MORE OR LESS FAVORABLE THAN THOSE SHOWN. SEE TABULAR DETAIL FOR GUARANTEED S AND OTHER IMPORTANT INFORMATION. May 18, 2007 ID:5215 Vers: 47.3 Page : 12 of 12