Single Premium MEC Whole Life

1. Conservative Money Portfolio
$$$ $$$ $$$
“NOW” Money “LATER” Money “NEVER” Money
Short Duration Fixed Annuities Life Insurance
Cash Equivalents Long Term Bonds Modified Endowment Contracts
CD Fixed Annuity Whole Life - MEC
Deposit: $100,000 Beginning AV: $100,000 Premium: $100,000
Rate: 2.50 Cost Basis: $100,000 Current Rate: Dividends
Tax Bracket: 30 Annual Growth Rate: 3.25 Sex: Female
Net Return: 1.75 Current Age: 65 Age: 65
Annuity Owner Tax Bracket: 30 Class: Select Pfd.
Beneficiary Tax Bracket 35
Current
End of Year Account Surrender After Tax Beneficiary Beneficiary Net to Surrender After Tax Tax Free IRR on
Year Age Value Value Value Value Taxable Gain After Tax Gain Beneficiary Value Value Death Benefit Cash Value
1 66 $101,751 $103,251 $94,991 $102,273 $3,251 $2,113 $102,113 $93,788 $93,788 $287,697 -6.21
5 70 $109,067 $117,347 $112,653 $112,143 $17,347 $11,275 $111,275 $111.197 $107,838 $282.517 2.15
10 75 $118,955 $137,701 $137,701 $126,391 $37,701 $24,506 $124,506 $140,955 $128,699 $284,662 3.49
15 80 $129,740 $161,586 $161,586 $143,110 $61,586 $40,031 $140,031 $176,307 $153,415 $295.348 3.85
20 85 $141,501 $189,612 $189,612 $162,729 $89,612 $58,248 $158,248 $218,512 $182,958 $314,665 3.99
25 90 $154,329 $222,499 $222,499 $175,749 $122,499 $79,624 $179,624 $267,888 $217,522 $343,446 4.02
30 95 $168,320 $261,088 $261,088 $212,762 $161,088 $104,707 $204,707 $325,493 $257,845 $376,023 4.01
35 100 $183,577 $306,369 $306,369 $244,458 $206.369 $134,139 $234,140 $406,672 $314,760 $406,672 4.09