Note:
Go week 27
File: L27lk 05 Stone Tables.doc
Flag–Telling The Story
Table I:
(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
(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
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