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
© Arc, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to TMSalesOperations@arc-network.com. For more information visit Asset & Logo Licensing.