Note:

Go week 27

File: L27lk 05 Stone Tables.doc

Flag–Telling The Story

Table I:

Level Premium Scenarios

(decreasing net income)

100% Current Scale

90% Current Scale

80% Current Scale

70% Current Scale

Total* annual withdrawal or loan, starting policy year 21

$24,800

($12,800 income + $12,000 premium)

$22,400

($10,400 income + $12,000 premium)

$20,200

($8,200 income + $12,000 premium)

$18,000

($6,000 income + $12,000 premium)

* “Total” covers premium and income

Source: Robert P. Stone, OneAmerica Financial Partners, Indianapolis

Table II

Increasing Premium Scenarios

(level net income)

100% Scale

90% Scale

80% Scale

70% Scale

Initial Base Face

$619,619

$619,619

$681,580

$774,523

Monthly Premium

$1,000/mo

(no paid-up additions rider)

$1,100/mo

($1,000 base in all years, $100 paid-up additions rider for 20 years)

$1,300/mo

($1,100 base in all years,

$200 paid-up additions rider for 20 years)

$1,500/mo

($1,250 base in all years,

$250 paid-up additions rider for 20 years)

Total* annual withdrawal or loan starting in policy year 21

$24,800

($12,800 income + $12,000 premium)

$24,800

($12,800 income + $12,000 premium)

$26,000

($12,800 income + $12,200 premium)

$27,800

($12,800 income + $15,000 premium)

* “Total” covers premium and income

Source: Robert P. Stone, OneAmerica Financial Partners, Indianapolis