2. According to your latest figures, if you retired
today, you could live very, very comfortably
until about 2 pm tomorrow.
3. Want out of the rat race?
Life Insurance
The Steady Approach To Wealth!
4. Client Profile
• Male, age 38, smoker
• Family of four
• Wife does not work
• New house
• Wants protection for his family
5. Design Illustration
Male Age 38
Face Value $250,000
Dividends: paid up additions
Flexible outlay
Pay Premiums 38 to 65
Pay by surrenders 69 -
Purchase sheduled ALIR
Annual Premium: $5,300
6. • Straw Dog: Vantage Term 10
• Ages
– 38 to 48
– 48 to 58
– 58 to 68
• ART at age 69
Design Illustration
7. Guaranteed Rate of Return
Tobacco Class: /mo ( /yr)
Protection Product Details, Premiums, Value
Dividends pain in each year (not guar.)
Approx. / yr for years
Total Spend:
Death Benefit at age 80: $508,395
Net Cash Value at age 80: $376,096
Results, Table 1
Vantage Term 10
Legacy 100 WL: $250,000
$250,000 $61.04 $733
$5,300 27
$143,100
8. Age Range: 48-58 ( annual premium)
Age Range: 38-48 ( annual premium)
Age Range / Premium Premium Spent Over 10-Year Period
Age Range: 58-68 ( annual premium)
Age Range: 69-80 ( annual premium $$ vary)
Grand Total:
Results, Table 2
$733
$1,593
$3,725
$7,330
$15,930
$37,250
$210,121
$270,631
9. Tobacco Class: /mo ( /yr)
Protection Product Details, Premiums, Value
Dividends pain in each year (not guar.)
Approx. / yr for years
Total Spend:
Net Cash Value at age 80: $376,096
Death Benefit at age 80: $508,395
Results, Table 1
/ ART Total Outlay to age 80: $271,631
Net Cash Value at age 80: $0
Death Benefit at age 80: $250,000
Death Benefit at age 81: $.00
Vantage Term 10 $250,000
Legacy 100 WL $250,000 Guaranteed Rate of Return
Vantage Term 10
$61.04 $733
$5,300 27
$143,100
11. Legacy 100 Whole Life $250,000 Guaranteed Rate of Return
Vantage Term (10 Yr) $250,000 Tobacco Class: $61.04/mo ($733/yr)
Protection Product Details, Premiums, Value
Dividends pain in each year (not guar.)
Approx. $5,300 / yr for 27 years
Total Spend: $143,000
Death Benefit at age 80: $508,395
Net Cash Value at age 80: $376,096
Vantage Term 10 / ART Total Outlay to age 80: $271,631.
Total Death Benefit only $250,000 age 80
Net Cash Value at age 80: $00.
Death Benefit Expires after age 81
Results Combined
