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					             Life Insurance Needs Analysis

             The Advantages of Owning Life Insurance




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             Prepared For:
             Mrs. Sample Client




             Presented By:
             Sample Agent
             John Hancock Financial Services
             197 Clarendon St.
             Boston, MA 02116
             Tel.: (617) 572-6000
             Fax: (617) 572-5141
             Email: hansel@JHLifeInsurance.com




Insurance products are issued by:
John Hancock Life are issued by: John Hancock Life Insurance Company of New York , John Hancock Distributors LLC through other broker/dealers
Insurance products Insurance Company (U.S.A.), Boston, MA and securities offered throughValhalla NY 10595. Securities Products distributed by John
Hancock Distributors LLC throughJohn Hancock Life InsuranceLLC , JohnClarendonDistributors LLC, 197 Clarendon Street, Boston, MA 02116
that have selling are issued by: John Hancock Distributors Company (U.S.A.), York , MA 02116 02116
                                  other broker/dealers appointed by 197 Hancock Street, Boston, MA
Insuranceaproductsagreement with John Hancock Life Insurance Company of New Boston,Valhalla NY 10595.

                                                                                                                                      April 13, 2009
                                                                                                                            Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                                                                                   Presented By Sample Agent
           Life Insurance Needs Analysis
       presentation is tool designed to assist assist exploring the advantages of life insurance. However, this presentation is is intended to be a
                            tool designed to assist you in exploring the advantages of life life insurance. However,
 This presentation is aaplanning tool designed to you in you in exploring the advantages ofinsurance. However, this this presentationnotnot intended to be
 a retirement/benefit or estate plan nor is it aspecific recommendation for aaretirement/benefit or estate plan. This material is for informational purposes
 retirement/benefit or estate plan nor is it a specific recommendation for retirement/benefit or estate plan. This material is
                   many of the topics presented may also involve legal, tax, accounting other issues, neither John Hancock Life Insurance Company its
 only. Although many of the topics presented may also involve legal, tax, accounting or or other issues, neither John Hancock New York nor any ofnor
 any of employees, and registered representatives are in the business of offering offering such advice, presentation and any other oral or written
 agents,its agents, employees, and registered representatives are in the business of such advice, and this and this presentation and any other oral or
 written communication not be construed as such. such. Individuals interested in topics should consult their own own professional advisors to examine
 communication should should not be construed as Individuals interested in these these topics should consult their professional advisors to examine tax,
 legal, accounting, or financial planning aspects of this topic. As you explore youryour planning needs with your legal and advisors, we hope that that find
 tax, legal, accounting, or financial planning aspects of this topic. As you explore planning needs with your legal and tax tax advisors, we hope you you
 find this analysis useful.
 this analysis useful.

 This supplemental illustration assumes accuracy of the "Invest theyour Life" system or the output. the output. John Hancock liableYork willdamages arising
                New not guarantee the that the currently illustrated non-guaranteed elements or John Hancock will not be New for any is not liable for
 John Hancock does York does not guarantee the accuracy of in "Invest in your Life" system will continue for all years shown. However, it not belikely that
 from the use arising from the use or misuse of this shown omissions in errors addition, Hancock same. John Hancock New York assumes to duty to
 the damagesor misuse of this software or exactly as software the illustration. In or John the in the consequences of a particular planning alternative will
 any non-guaranteed elements will perform from any errors or inor from any the same.omissions actual assumes no duty to update this software or no provide
 dependthis softwarein the provide notice of any not be fully software for or described in this presentation.
 updateofon many variables, some of which may errors in theaccountedor applicable changes in the law.
 notice any errors or to software or applicable changes in the law.

      program assumes that the life insurance policy meets the definition of life insurance per Internal Revenue years shown. However, it is not taxed as
 This supplemental illustration assumes that the currently illustrated non-guaranteed elements will continue for allCode Section 7702(a) andis not likely that
 a modified endowment contract. Withdrawals and as shown life insurance policies have the actual reducing the death benefit and cash surrender value
 the non-guaranteed elements will perform exactly loans fromin the illustration. In addition,the effect ofconsequences of a particular planning alternative will
 depend on many variables, some of Surrender or lapsefully accounted for or describeddeath benefit and adverse income tax consequences.
 and may cause the policy to lapse. which may not be of the policy can cause loss of in this presentation.

       material does not that the lifetax, legal or accounting the definition of life insurance per nor any of its agents or employees are in is business as
                          constitute insurance accounting advice and neither John Hancock New York nor any of its agents or employees are in of
 This program assumes constitute tax, legal orpolicy meets advice and neither John Hancock Internal Revenue Code Section 7702(a) andthe not taxedthe
 a modified endowment contract. Withdrawals and loans fromItused by be used by any taxpayer for the reducing theavoiding any IRS penalty. It wassupport
 businessand none ofand none of them offers, such advice. life insurancetaxpayer have the effect of purpose of deathpenalty. and cash surrender value
 offering, of offering, them offers, such advice. It cannot be cannot any policies for the purpose of avoiding any IRS benefit It was written to written
 to support the of the transactions or topics it topics it addresses. Anyone interested in these transactions or topics should seek advice based on his or
 the may cause the policy to lapse. Surrender addresses. Anyone interested in of death benefit and topics income tax advice based
 and marketing marketing of the transactions oror lapse of the policy can cause lossthese transactions oradverseshould seekconsequences. on his or her
 particular circumstances from independent tax tax and/or legal advisors.
 her particular circumstances from independent and/or legal advisors.
 The above material was not intended or written to be used, and it cannot be used, for the purpose of avoiding any penalty that may be imposed by the
 Internal Revenue Service. The above material may have been written to support the promotion or marketing of the transactions or topics addressed by
 the written material. Individuals interested in these topics should consult with their own professional advisors to examine legal, tax, accounting or financial
 planning aspects of these topics.

       material does not constitute tax, legal accounting advice and neither John Hancock nor any York nor any of its agents, employees or registered
 This material does not constitute tax, legal oror accounting advice and neither John Hancock New of its agents, employees or registered representatives
 representatives are of offering such advice. It was not intendedwaswritten for useor written forbe used by any taxpayer for the purpose offor the purpose of
 are in the business in the business of offering such advice. It or not intended and cannot use and cannot be used by any taxpayer avoiding any IRS
 penalty. any IRS penalty. It was written to support the marketing or topics it addresses. Anyone interested Anyone transactions these transactions or
 avoiding It was written to support the marketing of the transactions of the transactions or topics it addresses. in these interested in or topics should seek
 topics should seek advice based on his or her particular circumstancesprofessional advisors.
 advice based on his or her particular circumstances from independent from independent professional advisors.




                                                                                                                                                    Page 2 of 9
                                                                                                                                                  April 13, 2009
                                Internal Compliance Number: MLI04080910901
                                                         Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                Presented By Sample Agent
              TABLE OF CONTENTS




        A.    Overview

        B.    The Advantages of Owning Life Insurance

        C.    Investing in Your Life - Flowcharts

        D.    Investing in Your Life - Detail Analysis

        E.    Assumptions




                                                                             Page 3 of 9
                                                                           April 13, 2009
                                                                                                                                             Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                                                                                                    Presented By Sample Agent
              PROTECTION PLANNING

           You may already own life insurance or be familiar with some of its uses. But do you know ALL of the ways that life
           insurance can benefit you and your family?

              The Basics : Protecting Families

                 We may forget that the original purpose of a life insurance death benefit contract was to financially protect family
                 members from the premature death of the family’s primary wage earner. Life insurance, first and foremost, provides
                 asset and income protection from premature death for surviving family members, especially a young, growing family.
                 How? The life insurance death benefit can be used to pay off a mortgage and education obligations, and to replace
                 lost salary to pay for ongoing household expenses, debts, and even outstanding tax bills. But the real value of life
                 insurance when it comes to family protection is that it provides the death benefit in the form of cash, in a timely
                 fashion - exactly when needed, regardless of market or economic conditions 1.

              Life Insurance Protection is about Economics

                 Economically speaking, a primary income earner can capitalize his or her life value through the purchase of life
                 insurance and essentially leave the family in the same economic position it was in prior to death. Because life
                 insurance can help to address some fundamental and urgent needs of the surviving family members, the death
                 benefit is generally income tax-free when received by the designated beneficiaries. Life insurance proceeds are
                 generally excludible from income taxation 2.

              Cash When You Need It and How You Need It

                 An often overlooked but valuable benefit of a life insurance contract is the death benefit payment option available.
                 For instance, surviving family members who need help with managing money or who want a steady flow of income for
                 a given period of time, may choose from several payment options. The option to receive a stream of guaranteed
                 payments from the death proceeds in the form of an annuity may be helpful to one client while the option to receive a
                 lump sum payment of the life insurance proceeds may be appealing to another.

              Protection And Value

                 When given the opportunity to look at life insurance in the context of the potential investment return it provides, clients
                 are often surprised at the results. The rate of return the death benefit represents in a given year based on cumulative
                 premiums paid may be significant, especially when considering that the death benefit may be guaranteed and is
                 available exactly when needed. That’s discounted protection! When you see how much your money (premiums)
                 would have had to earn in a different asset to equal the life insurance death benefit at a given date of death, especially
                 in the early years, you may feel differently about considering life insurance for your family's protection needs. But
                 most important, life insurance is self-completing, since the death benefit is triggered by the very event that could
                 leave your family in need.




1 Subject to claims-paying ability of the insurer.
2 Life insurance death benefit proceeds are generally excludable from the beneficiary’s gross income for income tax purposes. There are a few exceptions such as when a life
insurance policy has been transferred for valuable consideration. No legal, tax or accounting advice can be given by John Hancock, its agents, employees or registered
representatives. Prospective purchasers should consult their professional tax advisor for details.
3 Variable universal life insurance has annual fees and expenses associated with it in addition to life insurance related charges (which differ with the product chosen), including
surrender to claims-paying ability ofmanagement fees. Variable universal life insurance products are long-term contracts and are sold by prospectus. They are subject to market risk
1 Subject charges and investment the insurer.
due toinsurance death benefit proceeds are generally excludable from the beneficiary’s gross incomepurpose of variable universal life insurance exceptions such as when a life
2 Life the underlying sub-accounts, and are unsuitable as a short term savings vehicle. The primary for income tax purposes. There are a few is to provide lifetime protection
insurance policy has been to the death of the insured person. Cash values tax not guaranteed if the client is invested in the investment accounts. There are risks associated with
against economic loss due transferred for valuable consideration. No legal, are or accounting advice can be given by John Hancock, its agents, employees or registered
each investment option, and the policy may lose value. their professional tax advisor for details.
representatives. Prospective purchasers should consult
                                                                                                                                                                        Page 4 of 9
                                                                                                                                                                      April 13, 2009
                 THE ANALYSIS

                                                                                   Life Insurance Needs Analysis
                                                                                                  Prepared for Mrs. Sample Client
                                                                                                      Presented By Sample Agent


       INCOME NEEDS
            INCOME NEEDS
                                                                                                                                    Present Values
     1. Survivor Income Needs................................................................                     $200,000
            (to replace salaries, dividends, interest, pensions, social security, etc.)
          Years for Survivor Income Needs..............................................                                     30                4,903,431

     2. Additional Annual Income Needed, if any.....................................                                  50,000
              (i.e. short term debt, child care, etc)
          Years that Additional Annual Income Needed......................................                                    5                 242,925

     3. Less Surviving Spouse Available Income......................................                                          0
            (salary, social security benefits, etc.)
          Years of Surviving Spouse Available Income.............................                                             0                        0
                                                                                    SUBTOTAL FOR INCOME NEEDS                                 $5,146,356

             EXPENSES (Please indicate lump-sum amount to be paid immediately)
        EXPENSES (Please indicate lump-sum amount to be paid immediately)

     4. Funeral, Burial expenses..............................................................                      $12,000
            (Average funeral costs are about $10,000)
     5. Administrative and Probate Costs................................................                              25,000
            (2% of estate or $25,000 on estates >$1,000,000)
     6. Other Debts..................................................................................               200,000
            (Include mortgage balance, credit card debt, car loans, home equity, etc)
     7. College Fund                                                                                                400,000
            (2007-8 average annual cost of a 4 year education: public college - $24,000;
             private college - $32,000)
     8. Other Expenses............................................................................                    50,000
            (emergency fund, charitable bequests, etc.)
                                                                                            SUBTOTAL FOR EXPENSES                              $687,000

     9. Total Amount Needed at Death.........................................................................                           $5,833,000

        EXISTING ASSETS & INSURANCE
              EXISTING ASSETS & INSURANCE

    10. Existing Life Insurance................................................................                             $0

    11. Savings and Other Assets.............................................................                       450,000
            (may include retirement savings, investments, etc.)
                                                                                                                 SUBTOTAL                      $450,000

        THE RESULTS
             THE RESULTS

    12. New Insurance Amount Needed........................................................................                              5,383,000¹

¹Inflation is assumed to be 3.00%. The rate of return on investments is assumed to be 4.50% after tax. Rounded to the nearest $500.
2
The data shown is taken from a hypothetical calculation. It assumes a hypothetical rate of return and may not be used to project or predict
investment results.                                                                                                                                 Page 5 of 9
                                                                                                                                                  April 13, 2009
                            The life insurance protection amount calculated using the Needs Analysis software is a projection
                            based on the assumptions provided. The amount of life insurance protection you qualify for may
                            be more or less than the projections calculated by this analysis.
                                                                                                                                                   Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                                                                                                          Presented By Sample Agent
            INVESTING IN YOUR LIFE - FLOWCHARTS
  RATES OF RETURN
   25.00%



                                                             Life Expectancy                                  By the age of 86 (life expectancy) there is a 46.75% chance of
                                                                                                              death occurring.* - Investment must have earned 6.87% after-
                                                                                                                  tax to have earned enough to equal the death benefit.
   20.00%




            12.59%
                       11.86%
                                   11.19%                                                                       Note, if you are insurable at standard or better class, the
                                               10.56%                                                             insurance company believes that you will outlive the
   15.00%
                                                            9.99%
                                                                       9.46%                                    general population's life expectancy. The ROR on Death
                                                                                   8.96%
                                                                                               8.50%           Benefit is 5.25%, if you survive life expectancy by 5 years.
                                                                                                           8.07%
                                                                                                                    7.67%
   10.00%
                                                                                                                               7.30%      6.95%      6.61%     6.30%      6.01%
             8.18%        7.71%     7.27%       6.87%
   5.00%
                                                            6.49%      6.15%       5.83%       5.53%       5.25%       4.99%      4.74%       4.51%       4.30%       4.10%      3.91%
   0.00%




               83           84        85          86          87          88          89         90          91          92          93         94          95          96          97
                                                                          ROR On Death Benefit           Pre-Tax Equivalent**

                                                                            Female Age 55, Preferred NonSmoker
  NUMERICAL SUMMARY OF RATES OF RETURN
              John Hancock's Protection UL-G 09, Initial Face amount of $5,383,000
                                   Attained              Planned                 Death            ROR On Death              Pre-Tax             Probability of
                     Year            Age                 Premium                 Benefit            Benefit               Equivalent**          Death (EOY)

                      1               56                        50,593              5,383,000           10539.75%              16214.99%                   0.09%                0.00%
                      2               57                        50,593              5,383,000             882.70%               1358.00%                   0.25%                0.00%
                      3               58                        50,593              5,383,000             336.22%                517.26%                   0.45%                0.00%
                      4               59                        50,593              5,383,000             189.98%                292.27%                   0.68%                0.00%
                      5               60                        50,593              5,383,000             127.22%                195.73%                   0.95%                0.00%

                     10               65                        50,593              5,383,000               41.52%                 63.87%                  3.12%                0.00%
                     15               70                        50,593              5,383,000               22.25%                 34.24%                  7.53%                0.00%
                     20               75                        50,593              5,383,000               14.20%                 21.84%                 15.38%                0.00%
                     25               80                        50,593              5,383,000                9.90%                 15.22%                 26.90%                0.00%
                     30               85                        50,593              5,383,000                7.27%                 11.19%                 42.98%                0.00%
                    31 LE             86                        50,593              5,383,000                6.87%                 10.56%                 46.75%                0.00%
                     35               90                        50,593              5,383,000                5.53%                  8.50%                 62.87%                0.00%
                     40               95                        50,593              5,383,000                4.30%                  6.61%                 81.22%                0.00%
                     45              100                        50,593              5,383,000                3.40%                  5.22%                 94.10%                0.00%


  The data shown is taken from an illustration. It assumes a hypothetical rate of return and is not a representation of expected future results. Unless indicated otherwise, these
  values are not guaranteed.                                                                                                                            ** Based on 35.00%Tax Bracket

  COMPARING RATES OF RETURN AT DEATH
            This means that:
                - By the age of 86 (life expectancy) there is a 46.75% chance of death occurring.*
                    - Investment must have earned 6.87% after-tax to have earned enough to equal the death benefit, or
                    - Investment must have earned 10.56% pre-tax (assumes 35.0% tax rate).
                    - Unlike most investments, life insurance proceeds have no potential built-in capital gains in the event of repeal
                      or modification of the Federal Estate Tax.

                                                                                                                                                                               Page 6 of 9
                             * Source 2001 Valuation Basic Table, Select & Ultimate. Life expectancy, in this example, is measured from current age 55.                        April 13, 2009
                                                          tables are based on actual mortality experience collected from sources such life insurance companies and the Social Security
                                  Life Expectancy (LE) tables are based on actual mortality experience collected from sources such asas life insurance companies and the Social Security
                                                        table has additional layers of conservatism built impact the primary use of the table this life company solvency calculations.
                                  Administration; this table assumes that underwriting has no significantin since on mortality rates. As used inis forpresentation, LE tables show both theAs
                                  average age at death based on your show both the well as age at death based on death by a age, year. as LE average probability presentation
                                  used in this presentation, LE tables current age, as averagethe average probability ofyour currentcertainas well Thethe data provided in thisof death by a
                                  is not necessarily LE data of your in this presentation is not necessarily indicative of your own personal life expectancy, and you used are not tailored
                                  certain year. The indicativeprovidedown personal life expectancy, and you may live longer than indicated by the table. The LE tablesmay live longer than
                                  to your personal situation or risk class; rather, not are based on population averages and are presented they are help you population averages and are
                                  indicated by the table. The LE tables used arethey tailored to your personal situation or risk class; rather, merely tobased on form a generalized idea of
                                  potential ages at to help
                                  presented merelydeath. you form a generalized idea of potential ages at death.
                                                                                                                                               Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                                                                                                      Presented By Sample Agent
              INVESTING IN YOUR LIFE - DETAIL ANALYSIS

   ANNUAL RATES OF RETURN
          John Hancock's Protection UL-G 09, Initial Face amount of $5,383,000


                      Attained          Planned                   Death               ROR On Death                Pre-Tax            Probability of Death
             Year       Age             Premium                   Benefit               Benefit                  Equivalent *             (EOY)**

               1         56                     50,593               5,383,000               10539.75%                16214.99%                      0.09%                    0.00%
               2         57                     50,593               5,383,000                 882.70%                 1358.00%                      0.25%                    0.00%
               3         58                     50,593               5,383,000                 336.22%                  517.26%                      0.45%                    0.00%
               4         59                     50,593               5,383,000                 189.98%                  292.27%                      0.68%                    0.00%
               5         60                     50,593               5,383,000                 127.22%                  195.73%                      0.95%                    0.00%

                6        61                     50,593               5,383,000                    93.44%                 143.76%                     1.26%                    0.00%
                7        62                     50,593               5,383,000                    72.68%                 111.82%                     1.62%                    0.00%
                8        63                     50,593               5,383,000                    58.77%                  90.42%                     2.05%                    0.00%
                9        64                     50,593               5,383,000                    48.88%                  75.20%                     2.54%                    0.00%
               10        65                     50,593               5,383,000                    41.52%                  63.87%                     3.12%                    0.00%

               11        66                     50,593               5,383,000                    35.85%                   55.15%                    3.78%                    0.00%
               12        67                     50,593               5,383,000                    31.36%                   48.25%                    4.54%                    0.00%
               13        68                     50,593               5,383,000                    27.74%                   42.67%                    5.41%                    0.00%
               14        69                     50,593               5,383,000                    24.75%                   38.08%                    6.41%                    0.00%
               15        70                     50,593               5,383,000                    22.25%                   34.24%                    7.53%                    0.00%

               16        71                     50,593               5,383,000                    20.14%                   30.98%                    8.80%                    0.00%
               17        72                     50,593               5,383,000                    18.33%                   28.20%                   10.22%                    0.00%
               18        73                     50,593               5,383,000                    16.76%                   25.79%                   11.80%                    0.00%
               19        74                     50,593               5,383,000                    15.40%                   23.69%                   13.52%                    0.00%
               20        75                     50,593               5,383,000                    14.20%                   21.84%                   15.38%                    0.00%

               21        76                     50,593               5,383,000                    13.14%                   20.21%                   17.38%                    0.00%
               22        77                     50,593               5,383,000                    12.19%                   18.75%                   19.53%                    0.00%
               23        78                     50,593               5,383,000                    11.34%                   17.45%                   21.83%                    0.00%
               24        79                     50,593               5,383,000                    10.58%                   16.28%                   24.29%                    0.00%
               25        80                     50,593               5,383,000                     9.90%                   15.22%                   26.90%                    0.00%

               26        81                     50,593               5,383,000                     9.27%                   14.26%                   29.69%                    0.00%
               27        82                     50,593               5,383,000                     8.70%                   13.39%                   32.70%                    0.00%
               28        83                     50,593               5,383,000                     8.18%                   12.59%                   35.95%                    0.00%
               29        84                     50,593               5,383,000                     7.71%                   11.86%                   39.38%                    0.00%
               30        85                     50,593               5,383,000                     7.27%                   11.19%                   42.98%                    0.00%

      LE       31        86                     50,593               5,383,000                     6.87%                   10.56%                   46.75%                    0.00%
               32        87                     50,593               5,383,000                     6.49%                    9.99%                   50.58%                    0.00%
               33        88                     50,593               5,383,000                     6.15%                    9.46%                   54.59%                    0.00%
               34        89                     50,593               5,383,000                     5.83%                    8.96%                   58.71%                    0.00%
               35        90                     50,593               5,383,000                     5.53%                    8.50%                   62.87%                    0.00%
Client:
          Mrs. Sample Client, Female Age 55, Preferred NonSmoker


Note, if you are insurable at standard or better class, the insurance company believes that you will outlive the general population's life expectancy. The ROR on Death Benefit is 5.25%,
if you survive life expectancy by 5 years.




                                                                                                                                                                          Page 7 of 9
                            * Based on 35.00%Tax Bracket                                                                                                                April 13, 2009
                            ** Source 2001 Valuation Basic Table, Select & Ultimate. Life expectancy, in this example, is measured from current age 55.
                            This is a supplemental illustration authorized for distribution only when preceded or accompanied by a basic illustration from the issuer. Benefits and
                            values may not be guaranteed; the assumptions on which they are based are subject to change by the insurer. Actual results may be more or less
                            favorable. Refer to the basic illustration for guaranteed elements and other important information.
                                                                                                                                               Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                                                                                                      Presented By Sample Agent
              INVESTING IN YOUR LIFE - DETAIL ANALYSIS

   ANNUAL RATES OF RETURN
          John Hancock's Protection UL-G 09, Initial Face amount of $5,383,000


                      Attained          Planned                   Death               ROR On Death                Pre-Tax            Probability of Death
             Year       Age             Premium                   Benefit               Benefit                  Equivalent*              (EOY)**

   LE+5        36        91                     50,593               5,383,000                     5.25%                    8.07%                   66.95%                    0.00%
               37        92                     50,593               5,383,000                     4.99%                    7.67%                   70.72%                    0.00%
               38        93                     50,593               5,383,000                     4.74%                    7.30%                   74.32%                    0.00%
               39        94                     50,593               5,383,000                     4.51%                    6.95%                   77.82%                    0.00%
               40        95                     50,593               5,383,000                     4.30%                    6.61%                   81.22%                    0.00%

               41        96                     50,593               5,383,000                     4.10%                    6.30%                   84.50%                    0.00%
               42        97                     50,593               5,383,000                     3.91%                    6.01%                   87.53%                    0.00%
               43        98                     50,593               5,383,000                     3.73%                    5.73%                   90.22%                    0.00%
               44        99                     50,593               5,383,000                     3.56%                    5.47%                   92.35%                    0.00%
               45        100                    50,593               5,383,000                     3.40%                    5.22%                   94.10%                    0.00%

               46        101                    50,593               5,383,000                     3.24%                    4.99%                   95.55%                    0.00%
               47        102                    50,593               5,383,000                     3.10%                    4.77%                   96.75%                    0.00%
               48        103                    50,593               5,383,000                     2.96%                    4.56%                   97.71%                    0.00%
               49        104                    50,593               5,383,000                     2.83%                    4.36%                   98.45%                    0.00%
               50        105                    50,593               5,383,000                     2.71%                    4.17%                   99.00%                    0.00%

               51        106                    50,593               5,383,000                     2.59%                    3.99%                   99.39%                    0.00%
               52        107                    50,593               5,383,000                     2.48%                    3.82%                   99.65%                    0.00%
               53        108                    50,593               5,383,000                     2.37%                    3.65%                   99.81%                    0.00%
               54        109                    50,593               5,383,000                     2.27%                    3.49%                   99.90%                    0.00%
               55        110                    50,593               5,383,000                     2.17%                    3.34%                   99.95%                    0.00%

               56        111                    50,593               5,383,000                     2.08%                    3.20%                   99.98%                    0.00%
               57        112                    50,593               5,383,000                     1.99%                    3.06%                   99.99%                    0.00%
               58        113                    50,593               5,383,000                     1.91%                    2.93%                 100.00%                     0.00%
               59        114                    50,593               5,383,000                     1.83%                    2.81%                 100.00%                     0.00%
               60        115                    50,593               5,383,000                     1.75%                    2.69%                 100.00%                     0.00%

               61        116                           0             5,383,000                     1.70%                    2.61%                 100.00%                     0.00%
               62        117                           0             5,383,000                     1.65%                    2.54%                 100.00%                     0.00%
               63        118                           0             5,383,000                     1.61%                    2.48%                 100.00%                     0.00%
               64        119                           0             5,383,000                     1.57%                    2.41%                 100.00%                     0.00%
               65        120                           0             5,383,000                     1.53%                    2.35%                 100.00%                     0.00%

               66        121                           0             5,383,000                     1.49%                    2.29%                 100.00%                     0.00%




Client:
          Mrs. Sample Client, Female Age 55, Preferred NonSmoker


Note, if you are insurable at standard or better class, the insurance company believes that you will outlive the general population's life expectancy. The ROR on Death Benefit is 5.25%,
if you survive life expectancy by 5 years.




                                                                                                                                                                          Page 8 of 9
                            * Based on 35.00%Tax Bracket                                                                                                                April 13, 2009
                            ** Source 2001 Valuation Basic Table, Select & Ultimate. Life expectancy, in this example, is measured from current age 55.
                            This is a supplemental illustration authorized for distribution only when preceded or accompanied by a basic illustration from the issuer. Benefits and
                            values may not be guaranteed; the assumptions on which they are based are subject to change by the insurer. Actual results may be more or less
                            favorable. Refer to the basic illustration for guaranteed elements and other important information.
                                                                                                                                              Prepared for Mrs. Sample Client
Life Insurance Needs Analysis                                                                                                                     Presented By Sample Agent

              ASSUMPTIONS

                                                                                 Value                      Explanation
     CLIENT INFORMATION
       Family Name                                                                       Sample Client       Name of family for the proposed plan
       Client Name                                                                               Mrs.        Given name of the first client
          Age                                                                                       55       Age of the first client (required)
          Sex                                                                                 Female         Sex of the first client (required)
          Smoking Status                                                         Preferred NonSmoker         Underwriting class of the first client (required)
       Spouse's Name                                                                               n/a       Given name of the second client
          Age                                                                                      n/a       Age of the second client (if any)
          Sex                                                                                      n/a       Sex of the second client (required)
          Smoking Status                                                                           n/a       Underwriting class of the second client (required)
          Client's Tax Bracket                                                                35.00%         Client's Tax Rate




       Proposal Year                                                                                2009     Proposal year


     INSURANCE POLICY INFORMATION
       Type of Policy                                                                         Single Life    Survivorship or Single Life
       Policy Name                                               Protection UL-G 09
         State                                                                                 Colorado
         Initial Policy Death Benefit                                                        $5,383,000      Total death benefit
         Policy Premium                                                                      $50,593.31      Annual Premium
         Years for Premiums*                                                                         60      Number of years to pay premiums
         Current Crediting Rate                                                                  4.50%       Policy's crediting rate




This is a supplemental illustration authorized for distribution only when preceded or accompanied by a basic illustration and appropriate prospectuses. The data shown is taken from an
Note: Clients should carefully to show how the inputs, as of the underlying investment accounts assumptions may cash value and the benefit. results. All hypothetical
illustration, the purpose of which isreview all clientperformance summaries based upon inaccuratecould affect the policy greatly impactdeathanalysis It assumes a growth
rates return and/or current interest crediting rate and
rate of are hypothetical and are not guaranteed..may not be used to project or predict investment results. Unless indicated otherwise, these values are not guaranteed.




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