Whole Life Legacy 20 Pay Basic Life Insurance Illustration

Size: px
Start display at page:

Download "Whole Life Legacy 20 Pay Basic Life Insurance Illustration"

Transcription

1 Whole Life Legacy 2 Pay Basic Life Insurance Illustration Prepared for: d Client Male, Age 4 Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Independent Insurane And Financial Consulting 5 Harborfields Ct Greenlawn, NY 1174 Agent License Number: LA Telephone Number: May 3, 213 CRN: Page 1 of 15

2 Whole Life Legacy 2 Pay Life Insurance Illustration Illustration Summary Prepared for: Underwriting Class: Client Information d Client, Male, Age 4 Ultra Preferred Non-Tobacco All face amounts, premiums, riders and underwriting classes are subject to Home Office approval. Issuing Company: Policy: Generic Policy Name: Policy Form Number: Policy Information Massachusetts Mutual Life Insurance Company Limited Payment Whole Life with s Payable for 2 s Whole Life Policy WL-NY-27 Initial Coverage Information Base Policy Face Amount (BPFA): $1,,. Initial Death : $1,,. Initial Information Payment Mode: Base : Waiver of (WP) : Accelerated Death for Terminal Illness Rider: Transfer of Insured Rider: $22, No Charge No Charge Initial : $22,39. Initial Dividend Option Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. Important Information This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. Changing the premium payment mode may increase the overall cost of the policy. Please see Payment Options in the Narrative Summary for more information. As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the Internal Revenue Code based on the assumptions in this illustration. Please see the IMPORTANT TAX INFORMATION section of the Narrative Summary for more information. Policy Changes Your Illustration may show Policy Changes, such as face amount decreases, dividend option changes, the Alternate Payment Option (APO) strategy, loans, surrenders or changes to certain Rider premiums. Policy changes are not automatic. You must submit a request to our Home Office. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 2 of 15

3 Whole Life Legacy 2 Pay Life Insurance Illustration Narrative Summary What This Illustration Shows This illustration describes the important features of this MassMutual Whole Life Legacy 2 Pay life insurance policy and shows values over time on a guaranteed and nonguaranteed basis. It is designed to help you understand how this policy works. It is not a projection of how it will perform. The following pages provide a summary (and year-by-year figures) for required premiums, cash surrender values and death benefits, anticipated out-of-pocket premium payments, and other values for this policy. Many of the current values contained in this illustration depend on non-guaranteed dividends. What is Whole Life Legacy 2 Pay? IMPORTANT INFORMATION ABOUT DIVIDENDS Whole Life Legacy 2 Pay is a permanent life insurance policy providing a guaranteed face amount. s are payable for 2 years. The duration of premiums for riders varies according to the terms of the rider. The policy provides for cash value accumulation and for the payment of dividends as may be determined by the Company. As a MassMutual participating policyholder, you are eligible to receive an equitable portion of the Company's earnings, known as "divisible surplus", in the form of policy dividends. The surplus from which dividends are paid comes primarily from three sources: 1. Mortality Savings - The favorable margin between actual death claim experience and the amount expected based on the mortality table used to determine the premium. 2. Investment Earnings - Earnings on Company investments that exceed the guaranteed interest required to build up death benefit reserves and meet contractual obligations. The guaranteed interest rate for a particular policy or rider is set at issue and does not change over the life of the policy. The guaranteed interest rate is reflected in the policy's guaranteed cash value increases. 3. Expenses - The difference between actual expenses incurred and the expenses assumed in determining the premium. This illustration assumes that the dividend option is Paid-Up Additions for all years shown. The annual dividend, if any, is used to buy additional level paid-up life insurance, adding to the policy's death benefit and total cash value. "Paid-up" means that no further premiums are required on the additional life insurance. This additional insurance is also eligible to receive dividends. Paid-up additions may be surrendered for their cash value as long as they are not being used as collateral for policy debt. Non-guaranteed values are based on the 213 dividend scale. This illustration assumes a policy with an adjustable policy loan interest rate provision. It is important to understand that the payment of dividends is not guaranteed; dividends are a reflection of conditions that affect the Company and the cost of insurance. Dividend performance may, and most likely will, change over time. For this reason we strongly recommend that you look at an illustration showing a lower dividend scale to see the impact that this would have on policy values. This illustration is neither a projection nor an estimate of future results. Transfer of policy ownership to a qualified pension or profit sharing plan could result in different dividends. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 3 of 15

4 Whole Life Legacy 2 Pay Life Insurance Illustration Narrative Summary IMPORTANT TAX INFORMATION As illustrated, this policy would not become a Modified Endowment Contract (MEC) under the Internal Revenue Code based on the assumptions in this illustration. Changes to the policy could cause the policy to become a MEC or change the year that the policy is illustrated to become a MEC. A Modified Endowment Contract (MEC) distinguishes between a policy purchased primarily for death protection and a policy purchased primarily for the tax advantages afforded to life insurance cash values. Once a policy is classified as a MEC, it receives less advantageous federal income tax treatment (see below). To determine if a contract is a MEC, a premium limit (the MEC limit) is established for the maximum amount of premium allowed during the first seven years, based upon rules set by the Internal Revenue Code. Under the MEC test, a MEC results if the cumulative amount paid at any time in the first seven years exceeds the cumulative MEC limit applicable in that policy year. Certain changes to the policy can subject the policy to MEC testing beyond the first seven years or can cause premiums already paid to be re-tested. Taking a policy loan could have adverse tax consequences. If your aggregate policy loans substantially exceed your cost basis, you may incur a significant income tax liability if the policy terminates before the insured's death. You may have to make substantial payments to cover policy premiums and policy loan interest to prevent the termination of the policy and to avoid the potential income tax liability. Some of the indications that such a situation may arise include: (1) high outstanding debt relative to the policy's cash value and (2) lower than illustrated dividends. You can reduce the likelihood that either will incur a significant income tax liability should your policy terminate before the death of the insured, or that you will need to make substantial payments to cover policy premium and pay policy loan interest to keep your policy from terminating, by monitoring and reviewing all aspects of your policy on a regular basis with your tax advisor, your financial representative, and/or any other financial advisor you might have. Surrenders and distributions are subject to income tax to the extent they exceed the policy's cost basis. If the policy is a MEC, distributions and loans are taxable to the extent of gain and are subject to a 1% tax penalty. Death benefit proceeds from this policy are generally excludable from the beneficiary's gross income for income tax purposes (IRC Section 11(a)(1)). Policy loans on non-mec policies are not treated as distributions or subject to income tax when taken (IRC Section 72). However, if the policy is not held until death, taxes are generally due on surrender or lapse and may in fact exceed the policy's Surrender if prior loans and surrenders were extensive. The information provided above is not written or intended as specific tax advice and may not be relied on for purposes of avoiding any federal tax penalty. Individuals are strongly encouraged to seek advice from their own personal tax or legal counsel. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 4 of 15

5 Whole Life Legacy 2 Pay Life Insurance Illustration Narrative Summary Additional Riders Illustrated Accelerated Death for Terminal Illness Rider (ABR) Transfer of Insured Rider (TIR) Waiver of Rider (WP) The Accelerated Death for Terminal Illness Rider allows the policy owner to receive an advance of policy death benefits when MassMutual receives satisfactory proof the insured has a terminal illness expected to result in death within the period set forth in the Rider. The funds may be used for any purpose. This rider terminates upon acceleration. There is no cost for the addition of this rider however there is a fee if the rider is exercised. The Transfer of Insured Rider provides the policyholder with the right to transfer or exchange a new insured in place of the current insured under the policy, provided an insurable interest exists between the owner and the substitute insured, the new insured is not older than age 75 and evidence of insurability is provided. There is no annual premium for this rider however there is a cost due if the rider is exercised. This rider provides for the waiving of policy premiums for certain periods and under certain circumstances, if the insured becomes totally disabled, as defined in the rider prior to age 6 and remains disabled for at least six months. Temporary waiver benefits also are available for total disability beginning after age 59, but prior to age 65. s are payable to age 65 or the end of the premium paying period of the policy, if earlier. The waiver of premium amount shown assumes no waiver of premium coverage under other individual policies in this Company. The availability of this rider is subject to Company limits. Interest Adjusted Cost (IAC) Comparison Index Life Insurance Surrender Cost Index Life Insurance Payment Cost Index 1 $5.57 $19.9 Policy 2 $3.17 $16.87 The Interest Adjusted Cost Comparison Indices provide two means of comparing the relative cost of similar plans of insurance issued by the same company or by different companies. A low index number represents a lower cost than a higher one. These indices reflect the time value of money by applying a 5% interest factor to policy premiums, dividends, and for the surrender cost index, the 1 and 2 year cash values. The dividends used in calculating these indices are based on the current year's scale and are neither guarantees nor estimates of future dividends. The indices do not consider: (1) the value of the services of an agent or company; (2) the relative strength and reputation of the Company and its actual dividend performance; or (3) differences in the policy provisions. Additional Information About This Illustration The fully allocated expense method is used to allocate overhead expenses for all illustrations. This illustration, using a 5.% policy loan interest rate, is for a policy issued in New York on May, 213. This rate may change on each policy anniversary date. A higher policy loan interest rate can impact policy values and the amounts available for future loans. For this reason, we strongly recommend that you look at a hypothetical higher loan interest rate available upon request. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 5 of 15

6 Whole Life Legacy 2 Pay Life Insurance Illustration Narrative Summary This illustration assumes no further loans after policy year 81. It also assumes payment of interest when due. In any year that loan interest due is borrowed, it is assumed that the individual pays the interest in full and, in a separate transaction, borrows the after-tax cost of the interest (if possible) from the cash surrender value. Outlay is based on a tax bracket of 35%. This illustration does not recognize the time value of money and should not be used to compare policy costs. See IAC section of the Narrative Summary page for policy cost information. Column Heading Definitions Age Dividend Loan Beg Outlay Beg Outlay Beg Surrender Beg Basic Policy of Additions Contract Beg Guaranteed Guaranteed Death The age of the insured at the end of the policy year. The total amount of annual dividend payable. These values are based on the illustrated dividend scale and are not guaranteed. The amount of loan taken minus loan repayments made at the beginning of the policy year. This includes any amount of unpaid interest. This is the out-of-pocket cost, which is comprised of the Contract and adjusted for any dividends, Paid-Up Additions, cash value released, loans taken, loan repayments made or taxes due at the beginning of the policy year. The annual outlay at the beginning of the policy year. This is the out-of-pocket cost, which is comprised of the Contract adjusted for any dividends, Paid-Up Additions surrendered, cash value released, loans taken and loan repayments made. The amount of dividends used and/or Paid-Up Additions surrendered. These values are based on the illustrated dividend scale and are not guaranteed. The guaranteed cash value of the base policy as of the end of the policy year. This does not include the cash value from Paid-Up Additions (PUA) or any other policy riders. The total cash value as of the end of the policy year of the Paid-Up Additions purchased by dividends earned on the base policy. These values are based on the illustrated dividend scale and are not guaranteed. The gross premium that is required to be paid at the beginning of the policy year for the benefits shown in this illustration. The cash value which is guaranteed under this policy based upon the illustrated Contract for Guaranteed s as of the end of the policy year. The amount of death benefit which is guaranteed to be payable for this policy at death based upon the illustrated Contract for Guaranteed s as of the end of the policy year. The cash value as of the end of the policy year reduced by outstanding loans and loan interest. These values are based on the illustrated dividend scale and are not guaranteed. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 6 of 15

7 Whole Life Legacy 2 Pay Life Insurance Illustration Narrative Summary Death Paid-Up Additions of Additions Death Outstanding Loan Paid-Up Additions Paid-Up Insurance The death benefit of the policy as of the end of the policy year reduced by outstanding loans and loan interest. These values are based on the illustrated dividend scale and are not guaranteed. The additional paid-up insurance death benefit as of the end of the policy year purchased by dividends earned on the base policy. These values are based on the illustrated dividend scale and are not guaranteed. The total cash value as of the end of the policy year including all guaranteed and nonguaranteed values. These values are based on the illustrated dividend scale and are not guaranteed. The total cash value as of the end of the policy year of the Paid-Up Additions purchased by dividends. These values are based on the illustrated dividend scale and are not guaranteed. This is the amount that would be payable if death occurred at the end of the policy year. These values are based on the illustrated dividend scale and are not guaranteed. The loan principal as of the end of the policy year including any prior year capitalized loan interest. The death benefit at the end of the policy year of additional paid-up insurance purchased with dividends. These values are based on the illustrated dividend scale and are not guaranteed. The amount of fully paid-up insurance that could be purchased if the policy were converted to a fully paid-up policy as of the end of the policy year. These values are based on the illustrated dividend scale and are not guaranteed. The number of years the policy is assumed to have been in force at the end of the policy year. Key Terms Used in the Illustration Beg Death Midpoint Assumptions Attained Age The first day of the policy year. All premium payments and other outlays are assumed to be made at the beginning of the year. The last day of the policy year. Dividends are assumed to be credited on this date. All cash values are shown as of the end of the policy year. The amount payable upon death of the insured. s are calculated assuming that the dividends are reduced by 5% and any policy charges included are an average between the current and guaranteed charges. Issue age plus policy duration years. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 7 of 15

8 Whole Life Legacy 2 Pay Life Insurance Illustration Narrative Summary Payment Options: You may pay premiums once a year (annually), twice a year (semiannually), four times a year (quarterly) or twelve times a year (monthly). You may pay premiums twelve times a year (monthly) only by pre-authorized electronic transfer. If you pay annual premiums by installments, there will be an additional charge. The additional charge is shown in dollars and as annual percentage rates in the table below. Frequency Payment (Including Installment Payment Charge) Number of Payments Per Per Additional Charge (In Dollars) Additional Charge (As the Percentage Rate or APR) $22,39. 1 $22,39. $. - Semiannual $11, $22, $ % Quarterly $5, $23, $ % Monthly $1, $23, $ % Consider Additional Coverage In some cases, the cost per unit of the Whole Life Legacy 2 Pay policy may be lower with a higher Base Policy Face Amount. You should consult with your agent about whether applying for more coverage is appropriate. Additional underwriting requirements may apply to larger face amounts, and premiums may be higher. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 8 of 15

9 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Numeric Summary and Signature Page Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. To help you understand how changes in non-guaranteed dividends may affect your future policy values, this Numeric Summary and Signature Page shows how your policy would perform based on each of the following dividend scenarios: 1) Guaranteed: The guaranteed policy values, i.e., zero dividends. 2) Non-Guaranteed Midpoint: 5% of the Company's currently illustrated dividend. 3) Non-Guaranteed Current: The Company's currently illustrated dividend. Non-Guarant eed s Guaranteed s Midpoint Assumptions Current Assumptions Contract Death Death Death 5 22,39 71,69 1,, 75,445 1,12,643 79,395 1,25, ,39 189,17 1,, 23,294 1,4, ,814 1,84, ,39 475,68 1,, 563,661 1,184, ,52 1,47,463 Age 7 616,82 1,, 868,443 1,47,935 1,215,537 1,97,651 I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to significant fluctuations and could be either higher or lower. The agent has told me they are not guaranteed. I understand that this illustration is not a contract. I also understand that any policy changes reflected in this illustration are not automatic, but must be submitted in writing to the Home Office. The terms of the policy constitute the actual agreement of coverage. I further understand I have the right to request a hypothetical lower scale illustration to see the potential impact of a lower dividend interest rate on my policy values. I have read and understand the IMPORTANT TAX INFORMATION section in the Narrative Summary. Applicant (At time of application) Owner (At time of delivery) Date I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with this illustration. Agent Date Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 9 of 15

10 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Tabular s Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. ====Non-Guaranteed s==== Age End Contract Beg Guaranteed _ Guaranteed Death Dividend of Additions Paid-Up Additions Death Paid-Up Insurance ,39 4,67 1,, 1,9 1,9 5,76 4,22 1,4,22 22, ,39 9,74 1,, 1,241 2,369 12,19 8,826 1,8,826 45, ,39 29,74 1,, 1,398 3,849 33,589 13,859 1,13,859 12, ,39 5,39 1,, 1,621 5,62 55,992 19,52 1,19,52 194, ,39 71,69 1,, 1,912 7,75 79,395 25,941 1,25, , ,39 93,65 1,, 2,236 1,199 13,849 33,223 1,33, , ,39 116,32 1,, 3,7 13,61 129,93 42,91 1,42,91 49, ,39 139,72 1,, 3,923 17, ,74 54,872 1,54, , ,39 164,1 1,, 4,721 23,3 187,31 68,816 1,68, , ,39 189,17 1,, 5,575 29, ,814 84,757 1,84, , ,39 213,94 1,, 6,983 37,64 251,544 14,85 1,14,85 696, ,39 239,56 1,, 8,447 47, , ,726 1,126, , ,39 265,99 1,, 1,52 58, , ,822 1,152, , ,39 293,27 1,, 11,757 72,59 365, ,398 1,182,398 92, ,39 321,37 1,, 13,69 88,46 49, ,583 1,215, , ,39 35,29 1,, 14,778 15, ,214 25,536 1,25,536 1,79, ,39 38,1 1,, 15, ,118 55, ,173 1,287,173 1,159, ,39 41,84 1,, 17, , , ,676 1,325,676 1,241, ,39 442,69 1,, 18,58 169, 611,69 365,73 1,365,73 1,323, ,39 475,68 1,, 19, , ,52 47,463 1,47,463 1,47, ,48 1,, 22, ,13 711,61 453,89 1,453, ,41 1,, 24, , ,159 52,74 1,52, ,39 1,, 26,19 285,877 83, ,537 1,552, ,38 1,, 28,64 321, ,51 65,351 1,65, ,41 1,, 3,78 36,243 95,653 66,499 1,66,499 Current s Coverage Face Amount ly Semi-ly Quarterly Monthly Base Policy Insurance 1,, 22,5. 11, , , Waiver 1,, Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 213 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 1 of 15

11 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Tabular s Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. ====Non-Guaranteed s==== Age End Contract Beg Guaranteed _ Guaranteed Death Dividend of Additions Paid-Up Additions Death Paid-Up Insurance ,47 1,, 32,154 41, , ,972 1,717, ,6 1,, 34,34 446,132 1,19, ,776 1,777, ,87 1,, 36, ,695 1,81, ,82 1,839, ,26 1,, 38, ,526 1,146,786 94,138 1,94, ,82 1,, 41,27 598,717 1,215,537 97,651 1,97, ,49 1,, 43,56 656,516 1,288,6 1,39,63 2,39, ,23 1,, 46, ,75 1,364,35 1,111,175 2,111, ,83 1,, 49, ,737 1,444,567 1,185,989 2,185, ,34 1,, 52, ,664 1,529,4 1,264,51 2,264, ,78 1,, 56,47 927,964 1,617,744 1,345,34 2,345, ,14 1,, 59,519 1,6,81 1,71,941 1,429,831 2,429, ,41 1,, 62,629 1,89,834 1,88,244 1,517,8 2,517, ,52 1,, 65,99 1,177,148 1,99,668 1,66,984 2,66, ,35 1,, 69,414 1,268,787 2,15,137 1,699,989 2,699, ,8 1,, 73,127 1,364,778 2,124,578 1,796,234 2,796, ,87 1,, 77,65 1,465,32 2,238,19 1,895,946 2,895, ,46 1,, 81,359 1,57,549 2,356,9 1,999,528 2,999, ,65 1,, 85,468 1,68,391 2,478,41 2,16,677 3,16, ,45 1,, 89,498 1,794,748 2,64,198 2,217,244 3,217, ,85 1,, 93,696 1,913,72 2,734,57 2,331,389 3,331, ,76 1,, 99,34 2,38,496 2,87,256 2,45,823 3,45, ,11 1,, 15,42 2,169,282 3,11,392 2,576,8 3,576, ,88 1,, 19,876 2,34,325 3,156,25 2,74,988 3,74, ,7 1,, 114,187 2,443,371 3,34,441 2,837,598 3,837, ,7 1,, 118,344 2,586,23 3,455,93 2,973,673 3,973, ,83 1,, 122,269 2,732,648 3,61,478 3,112,958 4,112, ,81 1,, 125,368 2,882,858 3,768,668 3,254,488 4,254, ,77 1,, 128,216 3,36,98 3,93,75 3,397,944 4,397, ,92 1,, 13,735 3,195,48 4,97,328 3,542,896 4,542, ,54 1,, 133,66 3,359,15 4,269,555 3,689,36 4,689,36 Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 213 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 11 of 15

12 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Tabular s Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. ====Non-Guaranteed s==== Age End Contract Beg Guaranteed _ Guaranteed Death Dividend of Additions Paid-Up Additions Death Paid-Up Insurance ,1 1,, 134,988 3,529,27 4,449,37 3,835,746 4,835, ,73 1,, 136,51 3,71,39 4,642,12 3,982,259 4,982, ,87 1,, 136,653 3,97,335 4,854,25 4,126,58 5,126, ,7 1,, 133,931 4,128,75 5,96,82 4,264,929 5,264, ,, 1,, 126,235 4,391,163 5,391,163 4,391,163 5,391, ,, 1,, 349,143 4,74,36 5,74,36 4,74,36 5,74, ,, 1,, 371,558 5,111,864 6,111,864 5,111,864 6,111, ,, 1,, 395,412 5,57,275 6,57,275 5,57,275 6,57, ,, 1,, 42,797 5,928,72 6,928,72 5,928,72 6,928, ,, 1,, 447,812 6,375,885 7,375,885 6,375,885 7,375, ,, 1,, 476,562 6,852,446 7,852,446 6,852,446 7,852, ,, 1,, 57,157 7,359,64 8,359,64 7,359,64 8,359, ,, 1,, 539,717 7,899,32 8,899,32 7,899,32 8,899, ,, 1,, 574,366 8,473,686 9,473,686 8,473,686 9,473, ,, 1,, 611,241 9,84,927 1,84,927 9,84,927 1,84, ,, 1,, 65,482 9,735,49 1,735,49 9,735,49 1,735, ,, 1,, 692,243 1,427,653 11,427,653 1,427,653 11,427, ,, 1,, 736,685 11,164,338 12,164,338 11,164,338 12,164, ,, 1,, 783,981 11,948,319 12,948,319 11,948,319 12,948, ,, 1,, 834,312 12,782,631 13,782,631 12,782,631 13,782, ,, 1,, 887,875 13,67,55 14,67,55 13,67,55 14,67, ,, 1,, 944,876 14,615,382 15,615,382 14,615,382 15,615, ,, 1,, 1,5,538 15,62,919 16,62,919 15,62,919 16,62, ,, 1,, 1,7,93 16,691,12 17,691,12 16,691,12 17,691, ,, 1,, 1,138,793 17,829,85 18,829,85 17,829,85 18,829, ,, 1,, 1,211,94 19,41,79 2,41,79 19,41,79 2,41,79 Non-guaranteed values include dividends which are neither estimates nor guarantees, but are based on the 213 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 12 of 15

13 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Supplemental s Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. ====Non-Guaranteed s==== Age End Outlay Beg Loan Beg Surrender Beg Outlay Beg Dividend Basic Policy _ of Additions _ Outstanding Loan Paid-Up Additions Death _ ,39 22,39 1,9 4,67 1,9 5,76 4,22 1,4, ,39 22,39 1,241 9,74 2,369 12,19 8,826 1,8, ,39 22,39 1,398 29,74 3,849 33,589 13,859 1,13, ,39 22,39 1,621 5,39 5,62 55,992 19,52 1,19, ,39 22,39 1,912 71,69 7,75 79,395 25,941 1,25, ,39 22,39 2,236 93,65 1,199 13,849 33,223 1,33, ,39 22,39 3,7 116,32 13,61 129,93 42,91 1,42, ,39 22,39 3, ,72 17, ,74 54,872 1,54, ,39 22,39 4, ,1 23,3 187,31 68,816 1,68, ,39 22,39 5, ,17 29, ,814 84,757 1,84, ,39 22,39 6, ,94 37,64 251,544 14,85 1,14, ,39 22,39 8, ,56 47, , ,726 1,126, ,39 22,39 1,52 265,99 58, , ,822 1,152, ,39 22,39 11, ,27 72,59 365, ,398 1,182, ,39 22,39 13,69 321,37 88,46 49, ,583 1,215, ,39 22,39 14,778 35,29 15, ,214 25,536 1,25, ,39 22,39 15,962 38,1 125,118 55, ,173 1,287, ,39 22,39 17,279 41,84 146, , ,676 1,325, ,39 22,39 18,58 442,69 169, 611,69 365,73 1,365, ,39 22,39 19, ,68 193, ,52 47,463 1,47, , ,48 222,13 711,61 453,89 1,453, ,297 53,41 252, ,159 52,74 1,52, ,19 517,39 285,877 83, ,537 1,552, ,64 531,38 321, ,51 65,351 1,65, ,78 545,41 36,243 95,653 66,499 1,66,499 Current s Coverage Face Amount ly Semi-ly Quarterly Monthly Base Policy Insurance 1,, 22,5. 11, , , Waiver 1,, These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 213 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 13 of 15

14 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Supplemental s Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. ====Non-Guaranteed s==== Age End Outlay Beg Loan Beg Surrender Beg Outlay Beg Dividend Basic Policy _ of Additions _ Outstanding Loan Paid-Up Additions Death _ , ,47 41, , ,972 1,717, ,34 573,6 446,132 1,19, ,776 1,777, , ,87 493,695 1,81, ,82 1,839, ,746 62,26 544,526 1,146,786 94,138 1,94, ,27 616,82 598,717 1,215,537 97,651 1,97, ,76 113,76-113,76 39, ,49 536,937 1,168,427 85,27 1,85, ,76 113,76-113,76 38, ,23 472,138 1,118,368 73,64 1,73, ,76 113,76-113,76 37,2 66,83 44,374 1,65,24 611,919 1,611, ,76 4,55 18, ,76 35, ,34 338,27 4,55 1,8,88 5,889 1,496, ,76 113,32-113,76 38, ,78 383, ,87 949, ,386 1,432, ,76 118, ,76 4,695 74,14 432, , , ,18 1,365, ,76 124, ,76 42, ,41 484,25 361, , ,995 1,294, ,76 131, ,76 45, ,52 539,97 492, , ,948 1,218, ,76 137, ,76 47, ,35 597,244 63, ,497 8,22 1,138, ,76 144,65-113,76 5, ,8 658,72 775,173 64, ,966 1,53, ,76 151, ,76 53,61 772,87 723, ,8 523, , , ,76 159, ,76 56, ,46 792,166 1,86, ,87 1,8, , ,76 167, ,76 59, ,65 864,22 1,253, ,327 1,83, , ,76 175, ,76 62,659 89,45 939,645 1,429,61 248,14 1,16, , ,76 184, ,76 65,754 82,85 1,18,633 1,614, ,618 1,24, , ,78 69, ,76 1,11,863 1,694, ,15 1,324, , ,743 73, ,11 1,189,497 1,779,68 163,18 1,412,52 543, ,98 77, ,88 1,28,56 1,868,588 17,422 1,53, , ,429 8, ,7 1,374,9 1,962,18 175,851 1,596, , ,11 83, ,7 1,472,366 2,6, ,942 1,692, , ,6 86,73 877,83 1,572,834 2,163, ,383 1,791,729 52, ,156 89, ,81 1,676,259 2,271, ,224 1,892,346 57, ,564 91, ,77 1,782,679 2,384, ,361 1,994,561 49, ,242 93,335 91,92 1,892,269 2,54,87 164,898 2,98,46 468, ,24 95,125 91,54 2,5,479 2,629, ,263 2,22, ,76 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 213 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 14 of 15

15 Whole Life Legacy 2 Pay Life Insurance Illustration Policy: Limited Payment Whole Life with s Payable for 2 s Base Policy Face Amount: $1,, Riders: ABR TIR WP : $22,39. Supplemental s Dividend Option: Dividends used to purchase Paid-Up Additions. Dividends are not guaranteed and are subject to significant fluctuations over the lifetime of the policy. Changes in dividends will change all Non-Guaranteed values shown in this illustration. ====Non-Guaranteed s==== Age End Outlay Beg Loan Beg Surrender Beg Outlay Beg Dividend Basic Policy _ of Additions _ Outstanding Loan Paid-Up Additions Death _ ,465 96,547 92,1 2,123,82 2,76, ,388 2,37,447 48, ,38 97, ,73 2,247,349 2,898, ,346 2,412,18 368, ,94 97,13 946,87 2,38,998 3,43, ,947 2,514, , ,187 94, ,7 2,528,745 3,195,92 141,98 2,612, , ,796 87,527 1,, 2,699,677 3,355, ,175 2,699, , ,786 24,549 1,, 2,94,227 3,523,52 24,549 2,94,227 24, , ,993 1,, 3,196,219 3,699, ,558 3,196, , , ,427 1,, 3,468,647 3,884, ,752 3,468, , , ,917 1,, 3,758,564 4,78, ,725 3,758, , ,945 38,53 1,, 4,67,93 4,282,839 57,112 4,67,93 57, , ,337 1,, 4,395,431 4,496, ,61 4,395, , , ,417 1,, 4,744,847 4,721,83 786,926 4,744, , ,92 371,849 1,, 5,116,697 4,957,922 91,879 5,116,697 91, , ,722 1,, 5,512,419 5,25,818 1,46,31 5,512,419 1,46, , ,127 1,, 5,933,546 5,466,18 1,194,132 5,933,546 1,194, ,35 448,164 1,, 6,381,71 5,739,414 1,355,325 6,381,71 1,355, , ,936 1,, 6,858,645 6,26,385 1,53,941 6,858,645 1,53, ,319 57,555 1,, 7,366,2 6,327,74 1,722,111 7,366,2 1,722, ,385 54,14 1,, 7,96,34 6,644,89 1,93,47 7,96,34 1,93, ,24 574,817 1,, 8,481,157 6,976,293 2,156,49 8,481,157 2,156, , ,72 1,, 9,92,878 7,325,18 2,41,514 9,92,878 2,41, ,255 65,993 1,, 9,743,871 7,691,364 2,667,939 9,743,871 2,667, , ,786 1,, 1,436,657 8,75,932 2,956,929 1,436,657 2,956, , ,263 1,, 11,173,92 8,479,728 3,27,26 11,173,92 3,27, , ,596 1,, 11,958,516 8,93,715 3,69,616 11,958,516 3,69, , ,967 1,, 12,793,483 9,348,9 3,977,137 12,793,483 3,977,137 These illustrated amounts are not guaranteed. They include dividends, which are neither estimates nor guarantees, but are based on the 213 dividend scale. The dividend scale is reviewed annually and it is likely that dividends in future years will be lower or higher depending on the Company's actual experience. For this reason, we strongly recommend that you look at a hypothetical lower scale illustration available upon request. Refer to the Narrative Summary for assumptions, explanations and additional information. This illustration is not valid unless accompanied by or preceded by a Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Prepared on: May 3, 213 Version: MMD Web (NY) Initial TAMRA (7-Pay) Limit: $4, Prepared for: d Client (Male, 4, Ultra Preferred Non-Tobacco) Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Page 15 of 15

16 Life Insurance Illustration Retirement Supplement Prepared for: d Client Male 4, Ultra Preferred Non-Tobacco Policy: Whole Life Legacy 2 Pay Initial Death : $1,, Initial : $22,39. Owner Tax Bracket: 35% Dividend Option: See Basic Illustration Summary Retirement Supplement Using Life Insurance Initial Payment of $22,39 $447,8 In Can Provide Pre-Retirement Death s $1,215,583 at Age 55 $1,97,651 at Age 7 Supplemental Retirement Income at Age 7 $113,76 Initial After-Tax Supplemental Retirement Income Supplemental Retirement Income is Paid for 15 s $ After-Tax Income Death at End of Retirement Income Period $546,84 at Age 85 s on this page are not guaranteed These illustrated amounts are not guaranteed. They include dividends which are neither estimates nor guarantees, but are based on our current dividend scale. Dividends in future years may be lower or higher, depending on the Company's actual experience. Due to this fact, we strongly recommend you look at a lower scale illustration. Tax Bracket(s) shown is an assumed rate. The actual rate(s) may differ and change from year to year. This illustration is not valid unless accompanied by or preceded by a Massachusetts Mutual Life Insurance Company Whole Life Legacy 2 Pay Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Presented By: Michael Fliegelman. CLU, ChFC, AEP RFC Page 15.1 of 15.8

17 Life Insurance Illustration Retirement Supplement Prepared For: d Client Policy: Whole Life Legacy 2 Pay Initial Death : $1,, Male, 4, Ultra Preferred Non-Tobacco Initial : $22,39. Owner Tax Bracket: 35% Dividend Option: see Basic Illustration. Costs Supplemental Retirement Income, and Death Age End Cumulative Retirement Income (After-Tax) Cumulative Retirement Income Death Combined ,39 22,39 5,76 1,4,22 1,4, ,39 44,78 12,19 1,8,826 1,8, ,39 67,17 33,589 1,13,859 1,13, ,39 89,56 55,992 1,19,52 1,19, ,39 111,95 79,395 1,25,941 1,25, ,95 111,95 79,395 1,25,941 1,25, ,39 134,34 13,849 1,33,223 1,33, ,39 156,73 129,93 1,42,91 1,42, ,39 179,12 157,74 1,54,872 1,54, ,39 21,51 187,31 1,68,816 1,68, ,39 223,9 218,814 1,84,757 1,84, ,9 223,9 218,814 1,84,757 1,84, ,39 246,29 251,544 1,14,85 1,14, ,39 268,68 286,842 1,126,726 1,126, ,39 291,7 324,855 1,152,822 1,152, ,39 313,46 365,779 1,182,398 1,182, ,39 335,85 49,776 1,215,583 1,215, ,85 335,85 49,776 1,215,583 1,215,583 V C CRN These illustrated amounts are not guaranteed. They include dividends which are neither estimates nor guarantees, but are based on our current dividend scale. Dividends in future years may be lower or higher, depending on the Company's actual experience. Due to this fact, we strongly recommend you look at a lower scale illustration. Tax Bracket(s) shown is an assumed rate. The actual rate(s) may differ and change from year to year. This illustration is not valid unless accompanied by or preceded by a Massachusetts Mutual Life Insurance Company Whole Life Legacy 2 Pay Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Case Name: Retirement Supplement Sample L2 - #1 Page 15.2 of 15.8

18 Life Insurance Illustration Retirement Supplement Prepared For: d Client Policy: Whole Life Legacy 2 Pay Initial Death : $1,, Male, 4, Ultra Preferred Non-Tobacco Initial : $22,39. Owner Tax Bracket: 35% Dividend Option: see Basic Illustration. Costs Supplemental Retirement Income, and Death Age End Cumulative Retirement Income (After-Tax) Cumulative Retirement Income Death Combined ,39 358,24 456,214 1,25,536 1,25, ,39 38,63 55,218 1,287,173 1,287, ,39 43,2 556,987 1,325,676 1,325, ,39 425,41 611,69 1,365,73 1,365, ,39 447,8 669,52 1,47,463 1,47, ,8 447,8 669,52 1,47,463 1,47, ,8 711,61 1,453,89 1,453, ,8 756,159 1,52,74 1,52, ,8 83,267 1,552,537 1,552, ,8 853,51 1,65,351 1,65, ,8 95,653 1,66,499 1,66, ,8 447,8 95,653 1,66,499 1,66, ,8 961,154 1,717,972 1,717, ,8 1,19,732 1,777,776 1,777, ,8 1,81,565 1,839,82 1,839, ,8 1,146,786 1,94,138 1,94, ,8 1,215,537 1,97,651 1,97, ,8 447,8 1,215,537 1,97,651 1,97,651 V C CRN These illustrated amounts are not guaranteed. They include dividends which are neither estimates nor guarantees, but are based on our current dividend scale. Dividends in future years may be lower or higher, depending on the Company's actual experience. Due to this fact, we strongly recommend you look at a lower scale illustration. Tax Bracket(s) shown is an assumed rate. The actual rate(s) may differ and change from year to year. This illustration is not valid unless accompanied by or preceded by a Massachusetts Mutual Life Insurance Company Whole Life Legacy 2 Pay Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Case Name: Retirement Supplement Sample L2 - #1 Page 15.3 of 15.8

19 Life Insurance Illustration Retirement Supplement Prepared For: d Client Policy: Whole Life Legacy 2 Pay Initial Death : $1,, Male, 4, Ultra Preferred Non-Tobacco Initial : $22,39. Owner Tax Bracket: 35% Dividend Option: see Basic Illustration. Costs Supplemental Retirement Income, and Death Age End Cumulative Retirement Income (After-Tax) Cumulative Retirement Income Death Combined ,8 113,76 113,76 1,168,427 1,85,27 1,963, ,8 113,76 226,153 1,118,368 1,73,64 1,956, ,8 113,76 339,229 1,65,24 1,611,919 1,951, ,8 113,76 452,35 1,8,88 1,496,158 1,948, ,8 113,76 565, ,867 1,432,689 1,998, ,8 447,8 565, , ,867 1,432,689 1,998, ,8 113,76 678, ,997 1,365,568 2,44, ,8 113,76 791, ,842 1,294,222 2,85, ,8 113,76 94, ,125 1,218,456 2,123, ,8 113,76 1,17, ,497 1,138,123 2,155, ,8 113,76 1,13,763 64,589 1,53,34 2,183, ,8 447,8 1,13,763 1,13,763 64,589 1,53,34 2,183, ,8 113,76 1,243,84 523, ,96 2,26, ,8 113,76 1,356, ,87 867,781 2,224, ,8 113,76 1,469, , ,911 2,236, ,8 113,76 1,583,69 248,14 659,763 2,242, ,8 113,76 144, ,84 2,242, ,8 447,8 144, ,84 2,242,229 V C CRN These illustrated amounts are not guaranteed. They include dividends which are neither estimates nor guarantees, but are based on our current dividend scale. Dividends in future years may be lower or higher, depending on the Company's actual experience. Due to this fact, we strongly recommend you look at a lower scale illustration. Tax Bracket(s) shown is an assumed rate. The actual rate(s) may differ and change from year to year. This illustration is not valid unless accompanied by or preceded by a Massachusetts Mutual Life Insurance Company Whole Life Legacy 2 Pay Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Case Name: Retirement Supplement Sample L2 - #1 Page 15.4 of 15.8

20 Life Insurance Illustration Retirement Supplement Prepared For: d Client Policy: Whole Life Legacy 2 Pay Initial Death : $1,, Male, 4, Ultra Preferred Non-Tobacco Initial : $22,39. Owner Tax Bracket: 35% Dividend Option: see Basic Illustration. Costs Supplemental Retirement Income, and Death Age End Cumulative Retirement Income (After-Tax) Cumulative Retirement Income Death Combined ,8 154,15 545,128 2,241, ,8 163,18 543,931 2,24, ,8 17, ,199 2,237, ,8 175, ,615 2,232, ,8 178, ,834 2,225, ,8 447,8 178, ,834 2,225, ,8 179,383 52,448 2,216, ,8 177,224 57,51 2,23, ,8 172,361 49,473 2,186, ,8 164, ,754 2,164, ,8 155, ,76 2,137, ,8 447,8 155, ,76 2,137, ,8 144,388 48,653 2,14, ,8 135, ,284 2,64, ,8 131, ,678 2,14, ,8 141,98 256,434 1,952, ,8 176, ,175 1,872, ,8 447,8 176, ,175 1,872,32 V C CRN These illustrated amounts are not guaranteed. They include dividends which are neither estimates nor guarantees, but are based on our current dividend scale. Dividends in future years may be lower or higher, depending on the Company's actual experience. Due to this fact, we strongly recommend you look at a lower scale illustration. Tax Bracket(s) shown is an assumed rate. The actual rate(s) may differ and change from year to year. This illustration is not valid unless accompanied by or preceded by a Massachusetts Mutual Life Insurance Company Whole Life Legacy 2 Pay Basic Illustration dated 5/3/213. Refer to the Basic Illustration for guaranteed elements and other important information. Presented by: Michael Fliegelman. CLU, ChFC, AEP RFC Case Name: Retirement Supplement Sample L2 - #1 Page 15.5 of 15.8

Whole Life Legacy 10 Pay Basic Life Insurance Illustration

Whole Life Legacy 10 Pay Basic Life Insurance Illustration Whole Life Legacy 10 Pay Basic Prepared for: d Client Male, Age 5 Presented by: Michael Fliegelman CLU, ChFC, AEP, RFC Independent Insurance And Financial Consulting 5 Harborfields Ct Greenlawn, NY 11740

More information

The Value of Whole Life Insurance

The Value of Whole Life Insurance Page 1 of 6 A MassMutual Illustration Presentation The Value of Whole Life Insurance A life insurance illustration summary Prepared for: Prepared by: Valued Client Michael Fliegelman. CLU, ChFC, AEP RFC

More information

MassMutual Financial Strategies. Avoiding the Double Tax Dilemma. with Whole Life Legacy 100 SM. insure invest retire.

MassMutual Financial Strategies. Avoiding the Double Tax Dilemma. with Whole Life Legacy 100 SM. insure invest retire. MassMutual Financial Strategies Avoiding the Double Tax Dilemma with Whole Life Legacy 1 SM insure invest retire Life Insurance Avoiding the double tax dilemma with Whole Life Legacy 1 SM You've worked

More information

The dividend difference

The dividend difference An Educational Guide for Individuals The dividend difference Adding value to your whole life insurance policy Insurance Strategies Table of Contents 2 The dividend difference 4 What are policy dividends?

More information

The Case for Whole Life Insurance Living the Legacy

The Case for Whole Life Insurance Living the Legacy The Case for Whole Life Insurance Living the Legacy Whole Life and the Legacy Portfolio For Producer Use Only. Not For Use With the Public CRN201302-144614 1 Agenda Today s Agenda What is Participating

More information

Flexible Premium Adjustable Life Insurance Policy Illustration

Flexible Premium Adjustable Life Insurance Policy Illustration Flexible Premium Adjustable Life Insurance Policy Illustration Prepared for: d Client Prepared by: Illustration Desk 2801 Townsgate Rd. Suite 350 Westlake Village, California, 91361 Tel: 800-350-2019 License

More information

Unlocking the value of whole life

Unlocking the value of whole life An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing

More information

Whole Life/Ten Payment Whole Life

Whole Life/Ten Payment Whole Life Whole Life/Ten Payment Whole Life Vitus Lau Tel: 510.279.2277 VitusLau@finsvcs.com Whole Life/Ten Payment Whole Life Disclosure: The information provided is not written or intended as tax or legal advice

More information

Why rent when you can own?

Why rent when you can own? An Educational Guide for Individuals Why rent when you can own? A comparison of term and permanent life insurance Insurance Strategies Protecting your loved ones with the right amount and right type of

More information

A Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies

A Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies A Technical Guide for Individuals The Whole Story Understanding the features and benefits of whole life insurance Insurance Strategies Contents 1 Insurance for Your Lifetime 3 How Does Whole Life Insurance

More information

Why Rent When You Can Own?

Why Rent When You Can Own? An Educational Guide for Individuals Why Rent When You Can Own? A comparison of term and permanent life insurance Insurance Strategies Contents 1 Protect the Ones Who Matter Most to You 2 Owning Permanent

More information

Guaranteed to Fit Your Life

Guaranteed to Fit Your Life An Overview Guide for Individuals Guaranteed to Fit Your Life The value of whole life insurance throughout your lifetime Insurance Strategies Contents 1 Whole Life Insurance Basics 2 Insurance That Fits

More information

An Overview Guide for Individuals. Whole Life Insurance as Part of Your Accumulation Strategy. Insurance Strategies

An Overview Guide for Individuals. Whole Life Insurance as Part of Your Accumulation Strategy. Insurance Strategies An Overview Guide for Individuals Whole Life Insurance as Part of Your Accumulation Strategy Insurance Strategies Contents 1 Long-Term Value 3 Whole Life Policy Cash Values 4 Addressing Different Financial

More information

MassMutual Financial Strategies. Whole Life Legacy 100 SM. Making It Easy to Take Care of Business. insure invest retire.

MassMutual Financial Strategies. Whole Life Legacy 100 SM. Making It Easy to Take Care of Business. insure invest retire. MassMutual Financial Strategies Whole Life Legacy 100 SM Making It Easy to Take Care of Business insure invest retire Life Insurance Whole Life Legacy 100 helps make it easy to take care of business As

More information

LIFE INSURANCE THE DIVIDEND DIFFERENCE. Adding Value to Your Whole Life Insurance Policy INVEST INSURE RETIRE

LIFE INSURANCE THE DIVIDEND DIFFERENCE. Adding Value to Your Whole Life Insurance Policy INVEST INSURE RETIRE LIFE INSURANCE THE DIVIDEND DIFFERENCE Adding Value to Your Whole Life Insurance Policy INVEST INSURE RETIRE NOT A BANK OR A CREDIT UNION DEPOSIT OR OBLIGATION NOT FDIC OR NCUA-INSURED NOT INSURED BY ANY

More information

Flexible Premium Adjustable Life Insurance Policy Illustration

Flexible Premium Adjustable Life Insurance Policy Illustration Flexible Premium Adjustable Life Insurance Policy Illustration Prepared for: d Client Prepared by: Sample Sample MetLife 11225 N Community House Rd Charlotte, North Carolina, 28202 Tel: 5555555555 MetLife

More information

Whole Life Insurance as a Financial Asset

Whole Life Insurance as a Financial Asset An Overview Guide for Individuals Whole Life Insurance as a Financial Asset Insurance Strategies Contents 1 Whole Life Insurance: A Versatile Financial Asset 2 Long-Term Value 4 Addressing Different Financial

More information

Path Protector Whole Life Insurance

Path Protector Whole Life Insurance Path Protector Whole Life Insurance PARTICIPATING WHOLE LIFE INSURANCE TO AGE 121 ESPECIALLY DESIGNED FOR: 4/20/2015 PRESENTED BY: Lake Worth, Florida 33467 561-329-3344 wcorley@1db.com Underwritten by:

More information

Description of Employer Cash Flow and Assets

Description of Employer Cash Flow and Assets Description of Employer Cash Flow and Assets SERP Select Account Liability Column 1 Employer Contribution The annual contribution promised by the employer to the key employee. The duration and amount of

More information

IMMEDIATE ANNUITIES TO FUND LIFE INS.

IMMEDIATE ANNUITIES TO FUND LIFE INS. IMMEDIATE ANNUITIES TO FUND LIFE INS. Using a SPIA to Fund Life Insurance Earn 2 Commissions Example: Male Age 6 in Florida With a $5, IRA Goal: The client would like to pass this money to his heirs tax

More information

MassMutual Whole Life Insurance

MassMutual Whole Life Insurance A Technical Overview for Clients and their Advisors MassMutual Whole Life Insurance The product design and pricing process Contents 1 Foreword 2 A Brief History of Whole Life Insurance 3 Whole Life Basics

More information

Understanding the Income Taxation of Life Insurance

Understanding the Income Taxation of Life Insurance A Reference Guide for Individuals and Businesses Understanding the Income Taxation of Life Insurance Answers to Frequently Asked Questions Tax Insights Contents 1 General Questions 4 Non-MEC Policy Questions

More information

10 Pay Whole Life. (10 Pay WL) Introduced: September 2009

10 Pay Whole Life. (10 Pay WL) Introduced: September 2009 10 Pay Whole Life (10 Pay WL) Introduced: September 2009 Table of Contents GENERAL INFORMATION... 3 PRODUCT DESCRIPTION... 3 ISSUE RULES... 3 ISSUE AGES... 3 FACE AMOUNT... 3 BAND BREAKS... 4 GENDER...

More information

An Educational Guide for Individuals. Gift of a Lifetime. A lasting connection to a child you love. Insurance Strategies

An Educational Guide for Individuals. Gift of a Lifetime. A lasting connection to a child you love. Insurance Strategies An Educational Guide for Individuals Gift of a Lifetime A lasting connection to a child you love Insurance Strategies Contents 1 A lifetime of benefits 2 Why whole life insurance for a child? 4 Important

More information

Advanced Markets Success Strategy Life Insurance in Retirement Planning Plus

Advanced Markets Success Strategy Life Insurance in Retirement Planning Plus Success Strategy Life Insurance in Retirement Planning Plus Life insurance protection is the foundation of a family s future, providing cash to: replace income for surviving family, pay off family debt,

More information

An Educational Guide for Individuals. Vantage Term. Affordable, flexible, quality term life insurance. Insurance Strategies

An Educational Guide for Individuals. Vantage Term. Affordable, flexible, quality term life insurance. Insurance Strategies An Educational Guide for Individuals Vantage Term Affordable, flexible, quality term life insurance Insurance Strategies Contents 1 MassMutual s Vantage Term Portfolio 2 Affordable Solutions to Protect

More information

Sales Strategy Life Insurance in Retirement Planning Plus

Sales Strategy Life Insurance in Retirement Planning Plus Sales Strategy Life Insurance in Retirement Planning Plus Life insurance protection is the foundation of a family s future, providing cash to: replace income for surviving family, pay off family debt,

More information

YOU CAN OWN? WHY RENT WHEN

YOU CAN OWN? WHY RENT WHEN WHY RENT WHEN YOU CAN OWN? A COMPARISON OF TERM & PERMANENT LIFE INSURANCE This guide helps you understand the differences between term and permanent coverage by comparing them to renting versus owning

More information

Custom TermGUL (Cash Value Accumulation Test) A Universal Life Insurance Policy Illustration

Custom TermGUL (Cash Value Accumulation Test) A Universal Life Insurance Policy Illustration EXPLANATION OF POLICY ILLUSTRATION Plan Description Important Facts About This Illustration Custom TermGUL is a universal life product, issued on form series LS167, that provides a death benefit upon the

More information

PSE Whole Life Illustration

PSE Whole Life Illustration A Life Insurance Policy Illustration PSE Whole Life Illustration Participating Whole Life Insurance Policy Form PSE-WL-01 Initial Face Amount: $ 100,000 Prepared For: Valued Client STATE PLAN VERSION:

More information

Guaranteed Universal Life

Guaranteed Universal Life Guaranteed Universal Life A Flexible Universal Life Insurance Policy Life Insurance Policy Proposal Prepared for: Presented by: Adding Certainty - 500k Jim Armstrong CLU ChFC Mutual of Omaha Mutual of

More information

PREMIER LIFE. Maximum Benefits. A Flexible Premium Adjustable Life Insurance Policy

PREMIER LIFE. Maximum Benefits. A Flexible Premium Adjustable Life Insurance Policy Maximum Benefits A Flexible Premium Adjustable Life Insurance Policy Producer Guide Premier Life Catering to Your Clients Appetite For Uncompromising Value and Flexibility. FOR AGENT USE ONLY. NOT FOR

More information

abc GUARANTEES TO LAST A LIFETIME. FIXED A policy to grow. A policy to protect. Whole Life Insurance Secure Protector Secure Accumulator

abc GUARANTEES TO LAST A LIFETIME. FIXED A policy to grow. A policy to protect. Whole Life Insurance Secure Protector Secure Accumulator Whole Life Insurance Secure Protector Secure Accumulator Financial Professional A policy to grow. A policy to protect. FIXED GUARANTEES TO LAST A LIFETIME. Insurance products are issued by Minnesota Life

More information

Flexible Premium Universal Life Insurance with an Indexed Feature A Life Insurance Illustration

Flexible Premium Universal Life Insurance with an Indexed Feature A Life Insurance Illustration Initial Base Face Amount = $ Total Initial Annual Premium = $ About the Universal Life Insurance Policy Phoenix Simplicity Index Life is a single life flexible premium universal life insurance policy with

More information

Guaranteed Universal Life

Guaranteed Universal Life Guaranteed Universal Life Life Insurance Policy Proposal Prepared for: Presented by: Short Pay Jim Armstrong CLU ChFC Mutual of Omaha Mutual of Omaha Plaza Omaha, NE 68116 42-351-2313 United of Omaha Life

More information

Money Stages of Whole Life Your Freedom Guaranteed

Money Stages of Whole Life Your Freedom Guaranteed Money Stages of Whole Life Your Freedom Guaranteed A Consumer Guide for Illustration Understanding Using Guardian Whole Life Paid-Up at Age 121 Whole Life Insurance Permanent life insurance is designed

More information

Preserve what you spent a lifetime creating

Preserve what you spent a lifetime creating An Overview Guide for Consumers Preserve what you spent a lifetime creating A look at MassMutual Survivorship Whole Life insurance Insurance Strategies Contents 1 Life insurance that works as hard as you

More information

Spousal Lifetime Access Trust Using Legacy Advantage SUL Insurance Policy

Spousal Lifetime Access Trust Using Legacy Advantage SUL Insurance Policy Spousal Lifetime Access Trust Using Insurance Policy Supplemental Illustration Valued Client & Valued Client Prepared by: MetLife Agent 2 Park Ave. New York, NY 1166 Insurance Products: Not A Deposit Not

More information

Key Person Insurance. Protecting Your Business From The Loss Of Key Employees. Place Image Here. Prepared For: Valued Company. Presented By:... Tel.:.

Key Person Insurance. Protecting Your Business From The Loss Of Key Employees. Place Image Here. Prepared For: Valued Company. Presented By:... Tel.:. Key Person Insurance Protecting Your Business From The Loss Of Key Employees Place Image Here Prepared For: d Company Presented By:.... Tel.:. Insurance products are issued by: Insurance John Hancock products

More information

MassMutual CareChoice SM One

MassMutual CareChoice SM One An Overview Guide MassMutual CareChoice SM One Prepare for the possibilities MassMutual CareChoice One (CareChoice One) is a single premium whole life insurance policy with a qualified long term care insurance

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice SM Whole Life for Business Guaranteed Choice SM for Business Owners Whole Life There is comfort in predictability There s a certain comfort that comes with knowing

More information

Guaranteed Choice Whole Life

Guaranteed Choice Whole Life Guaranteed Choice Whole Life Frequently Asked Questions and Product Information Guide Table of Contents I. Background and Introduction Background 1 Introduction 1 Product Highlights 1-2 II. Frequently

More information

Income-Tax Free Benefits for Your Heirs and Lifetime Benefits for You. Lifetime Benefits for You

Income-Tax Free Benefits for Your Heirs and Lifetime Benefits for You. Lifetime Benefits for You Indexed Universal Life Insurance 1 Income-Tax Free s for Your Heirs and Lifetime s for You Prepared on August 13, 2013 for by Trusted Advisor Income - 1 Tax Free s for Your Heirs Lifetime s for You Product

More information

LifeScape Single Premium Whole Life Basic Illustration NARRATIVE SUMMARY

LifeScape Single Premium Whole Life Basic Illustration NARRATIVE SUMMARY Prepared for: Tom Jones Issue Age: 60 NARRATIVE SUMMARY Policy Description LifeScape Single Whole Life is a level-benefit, single premium, participating whole life insurance policy with maturity at age

More information

Implications of Withdrawals and Loans from a Life Insurance Policy

Implications of Withdrawals and Loans from a Life Insurance Policy Implications of Withdrawals and Loans from a Life Insurance Policy Life insurance is frequently structured to provide income that can be used for various needs, such as supplemental retirement income,

More information

A STABLE CHOICE FOR YOUR FINANCIAL FUTURE.

A STABLE CHOICE FOR YOUR FINANCIAL FUTURE. Universal Life Insurance Accumulator UL Protection. Preservation. Predictability. Financial Professional FIXED A STABLE CHOICE FOR YOUR FINANCIAL FUTURE. Insurance products are issued by Minnesota Life

More information

Building an Effective Retirement Portfolio with Whole Life Insurance Guarding Your Retirement Style

Building an Effective Retirement Portfolio with Whole Life Insurance Guarding Your Retirement Style Building an Effective Retirement Portfolio with Whole Life Insurance Guarding Your Retirement Style A CONSUMER GUIDE The Boomer Generation an Introduction to a Different Decade When do you plan to retire?

More information

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide AG05113-01/12 Western Reserve Life Assurance Co. of Ohio Thank you for your interest

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice SM Whole Life Guaranteed Choice SM Whole Life for Individuals and Families There is comfort in predictability There s a certain comfort that comes with knowing

More information

Affinity 7. Life Insurance Series. Affinity 7 NQ Participating Whole Life. Affinity 7 Q Participating Whole Life

Affinity 7. Life Insurance Series. Affinity 7 NQ Participating Whole Life. Affinity 7 Q Participating Whole Life Affinity 7 Life Insurance Series Affinity 7 NQ Participating Whole Life Affinity 7 Q Participating Whole Life Affinity 7 457 Participating Whole Life Participating Whole Life Insurance Products From American

More information

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information

More information

The Flexibility of Cash Value Life Insurance

The Flexibility of Cash Value Life Insurance Advanced Markets The Flexibility of Cash Value Life Insurance Beyond Protection With today s focus on value and flexibility, cash value life insurance comes into its own. Beyond its main purpose of death

More information

WRL Financial Foundation IUL SM

WRL Financial Foundation IUL SM WRL Financial Foundation IUL SM Index Universal Life Insurance Agent Guide AG06113-07/13 Western Reserve Life Assurance Co. of Ohio Thank you for your interest in the WRL Financial Foundation IUL offered

More information

Preparing for Your Retirement: The Role of Life Insurance in Retirement Planning

Preparing for Your Retirement: The Role of Life Insurance in Retirement Planning Preparing for Your Retirement: The Role of Life Insurance in Retirement Planning Did you know that cash value life insurance is the only financial product with the flexibility to provide benefits if you

More information

Key Person Coverage. Prepared for: Date: Presented by:

Key Person Coverage. Prepared for: Date: Presented by: Key Person Coverage Prepared for: Date: Presented by: PURPOSE This presentation is for the purpose of helping you understand how life and disability income insurance can be used to overcome the shock to

More information

A Story of Guarantees and Financial Versatility

A Story of Guarantees and Financial Versatility A Story of Guarantees and Financial Versatility Whole Life Insurance A Consumer Brochure for Whole Life Understanding Introduction Whole life is a versatile financial product that provides unique benefits

More information

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65

More information

Your guide to Great-West Life Participating life insurance

Your guide to Great-West Life Participating life insurance Your guide to Great-West Life Participating life insurance This guide provides a high-level overview of key features of Great-West Life participating life insurance. After you review this guide, talk with

More information

A compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide

A compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide CONSUMer Guide AG Secure Lifetime GUL with Lifestyle Income Solution SM Flexible premium, adjustable death benefit universal life insurance with secondary guarantee provisions Life insurance protection

More information

ONE YEAR TERM INSURANCE RIDER WITH TARGET FACE AMOUNT

ONE YEAR TERM INSURANCE RIDER WITH TARGET FACE AMOUNT ONE YEAR TERM INSURANCE RIDER WITH TARGET FACE AMOUNT While this rider is in force, any dividend credited to this policy will be used to purchase a combination of one year term insurance (OYT) and Dividend

More information

Variable Universal Life Accumulator Plus

Variable Universal Life Accumulator Plus Just the facts about New York Life... Variable Universal Life Accumulator Plus Issuing company Issue ages 0-80 Minimum face amount New York Life Insurance and Annuity Corporation (NYLIAC), A Delaware Corporation,

More information

What You Should Know About Buying. Life Insurance

What You Should Know About Buying. Life Insurance What You Should Know About Buying Life Insurance Life insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so

More information

An Alternative to Roth IRAs When Limits Apply

An Alternative to Roth IRAs When Limits Apply Consumer Material I Index Universal Life Insurance FINANCIAL STRATEGY An Alternative to Roth IRAs When Limits Apply Using Asset Builder Index UL II Sometimes success presents challenges of its own. You

More information

Life Insurance Review Using Legacy Advantage SUL Insurance Policy

Life Insurance Review Using Legacy Advantage SUL Insurance Policy Using Legacy Advantage SUL Insurance Policy Supplemental Illustration Prepared by: MetLife Agent 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal

More information

Your guide to Canada Life s participating life insurance. Estate Achiever Wealth Achiever

Your guide to Canada Life s participating life insurance. Estate Achiever Wealth Achiever Your guide to Canada Life s participating life insurance Estate Achiever Wealth Achiever This guide provides an overview of key features of participating life insurance products offered by Canada Life.

More information

DEFINING YOUR NEEDS. Family protection to provide financial security to surviving family members upon the death of the insured person.

DEFINING YOUR NEEDS. Family protection to provide financial security to surviving family members upon the death of the insured person. DEFINING YOUR NEEDS When you buy life insurance, you want a policy which fits your needs without costing too much. Your first step is to decide how much life insurance you need, how much you can afford

More information

CENTURY II VARIABLE UNIVERSAL LIFE PROSPECTUS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE CONTRACT

CENTURY II VARIABLE UNIVERSAL LIFE PROSPECTUS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE CONTRACT CENTURY II VARIABLE UNIVERSAL LIFE PROSPECTUS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE CONTRACT KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT OF KANSAS CITY LIFE INSURANCE COMPANY Street Address:

More information

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value

More information

PruLife Founders Plus UL

PruLife Founders Plus UL PruLife Founders Plus UL PREPARE FOR THE POSSIBILITIES IN LIFE The Prudential Insurance Company of America 0255027 0255027-00001-00 Ed. 12/2013 Exp. 06/12/2015 A FINANCIAL LEADER FOR OVER 135 YEARS Prudential

More information

Life Insurance Review

Life Insurance Review Supplemental Illustration Prepared by: MetLife Agent Financial Services Representative 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government

More information

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION CHOICE SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important

More information

KANSAS CITY LIFE INSURANCE COMPANY. Kansas City Life Variable Life Separate Account

KANSAS CITY LIFE INSURANCE COMPANY. Kansas City Life Variable Life Separate Account KANSAS CITY LIFE INSURANCE COMPANY Kansas City Life Variable Life Separate Account Supplement dated May 1, 2015 to the Prospectus dated May 1, 2015 for the Century II Variable Universal Life Insurance

More information

Foresters Advantage Plus Producer Guide

Foresters Advantage Plus Producer Guide Foresters Advantage Plus Producer Guide Whole Life Insurance This guide is for information purposes only and is intended to answer your questions and provide ideas to help you sell Foresters Advantage

More information

INTEREST SENSITIVE WHOLE LIFE SM

INTEREST SENSITIVE WHOLE LIFE SM INTEREST SENSITIVE WHOLE LIFE SM SERIES 149 PRODUCT GUIDE IU47357 (ADL) (12/08) Catalog #142094 INCENTIVE SENSITIVE WHOLE LIFE SM PRODUCT GUIDE T A B L E O F C O N T E N T S INTEREST SENSITIVE WHOLE LIFE

More information

Ensuring Your Path. Solutions Protecting Life s Next Steps. The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS

Ensuring Your Path. Solutions Protecting Life s Next Steps. The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS Ensuring Your Path Solutions Protecting Life s Next Steps Pub5889ICC (5/13) ICC13 LTCR 5889 2013 1438 The Guardian Life Insurance Company of America A LONG TERM CARE GUIDE FOR CONSUMERS The good news is

More information

Wealth Achiever participating life insurance illustration Max 20

Wealth Achiever participating life insurance illustration Max 20 Wealth Achiever participating life insurance illustration Max 20 Canada Life's permanent participating life insurance gives you a foundation of basic cash value that is guaranteed, tax-advantaged growth,

More information

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance

Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance Give a Gift of a Lifetime Uncovering the Money Stages of Whole Life Insurance A CONSUMER GUIDE FOR ILLUSTRATION UNDERSTANDING IN JUVENILE GIFTING SCENARIOS: USING GUARDIAN WHOLE LIFE PAID-UP AT AGE 65

More information

Custom Guarantee. Universal Life Insurance with a Death Benefit Guarantee 1. Marketing Guide

Custom Guarantee. Universal Life Insurance with a Death Benefit Guarantee 1. Marketing Guide Custom Guarantee Universal Life Insurance with a Death Benefit Guarantee 1 Marketing Guide Marketing Custom Guarantee Uncertainty in life is guaranteed. No one can predict what changes may occur in his

More information

Equimax Participating Whole Life Advisor s Guide to Product Administration Rules and Guidelines October 2015

Equimax Participating Whole Life Advisor s Guide to Product Administration Rules and Guidelines October 2015 Page 1 of 44 Equimax Participating Whole Life Advisor s Guide to Product Administration Rules and Guidelines October 2015 Prepared by: Individual Life & Health Product Development & Marketing Page 2 of

More information

WHOLE LIFE INSURANCE. Whole Life PERSONAL GUIDE INVEST INSURE RETIRE

WHOLE LIFE INSURANCE. Whole Life PERSONAL GUIDE INVEST INSURE RETIRE WHOLE LIFE INSURANCE Whole Life PERSONAL GUIDE INVEST INSURE RETIRE NOT A BANK OR A CREDIT UNION DEPOSIT OR OBLIGATION NOT FDIC OR NCUA-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED

More information

Variable Universal Life Insurance Policy

Variable Universal Life Insurance Policy May 1, 2015 State Farm Life Insurance Company P R O S P E C T U S Variable Universal Life Insurance Policy prospectus PROSPECTUS DATED MAY 1, 2015 INDIVIDUAL FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE

More information

Summary Product Specifications

Summary Product Specifications PRODUCT OVERVIEW 1 Agenda I. Management Introduction II. Genesis Life Product Features III. COF Basic Value Life Product Features IV. Transition to Genesis Life V. Illustration Software VI. LifePRO VII.

More information

EQUIMAX PARTICIPATING WHOLE LIFE

EQUIMAX PARTICIPATING WHOLE LIFE EQUIMAX PARTICIPATING WHOLE LIFE equimax ADVISOR GUIDE YOUR GUIDE TO EQUIMAX 6 ABOUT EQUITABLE LIFE OF CANADA Equitable Life is one of Canada s largest mutual life insurance companies. For generations

More information

LIFE ON YOUR TERMS TERM. Term Life Insurance Advantage Elite Select. Financial Professional

LIFE ON YOUR TERMS TERM. Term Life Insurance Advantage Elite Select. Financial Professional Term Life Insurance Advantage Elite Select Financial Professional LIFE ON YOUR TERMS TERM Insurance products are issued by Minnesota Life Insurance Company in all states except New York. In New York, products

More information

Variable Universal Life Accumulator

Variable Universal Life Accumulator Just the facts about New York Life... Variable Universal Life Accumulator Issuing company Issue ages 0-80 New York Life Insurance and Annuity Corporation (NYLIAC), A Delaware Corporation, a wholly owned

More information

Alamere Indexed Universal Life Product

Alamere Indexed Universal Life Product Alamere Indexed Universal Life Product V1.0 Document Part No. E55321-01 June 2014 Alamere Indexed Universal Life Product 1 of 18 Table of Contents I. REVISION HISTORY 5 II. PRODUCT DESCRIPTION & POLICY

More information

LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most TECHNICAL GUIDE

LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most TECHNICAL GUIDE TECHNICAL GUIDE LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. Table of Contents Product Overview... 2 Accelerating

More information

USING LIFE INSURANCE TO HELP SUPPLEMENT RETIREMENT INCOME

USING LIFE INSURANCE TO HELP SUPPLEMENT RETIREMENT INCOME USING LIFE INSURANCE TO HELP SUPPLEMENT RETIREMENT INCOME A death benefit & retirement planning strategy Agent Guide For agent use only. Not to be used for consumer solicitation purposes. Protect what

More information

The Baltimore Life Insurance Company

The Baltimore Life Insurance Company 10075 Red Run Boulevard Owings Mills, MD 21117-4871 A Revised Life Insurance Single Premium Immediate Annuity Generation LegacyTM Presented by The Insurance Group THIS PROPOSAL IS NOT A POLICY CONTRACT

More information

Horizon Universal Life Insurance

Horizon Universal Life Insurance Horizon Universal Life Insurance Discover More In Life 63992 MK3227(0209) TC46323(0209) Experience Life Now you can protect your home, family, business and future all in one policy. If your need is death

More information

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062

The State Life Insurance Company P. O. Box 6062 Indianapolis, IN 46206-6062 P. O. Box 6062 Indianapolis, IN 46206-6062 Life Insurance Illustration Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds Asset-Care IV Valued Client and Valued Client Presented

More information

Versa-Flex PRO II-CV. Death Benefit Protection, Cash Value Accumulation Client Guide. Flexible Premium Universal Life Insurance VFPRO2-2C

Versa-Flex PRO II-CV. Death Benefit Protection, Cash Value Accumulation Client Guide. Flexible Premium Universal Life Insurance VFPRO2-2C Versa-Flex PRO II-CV Flexible Premium Universal Life Insurance Death Benefit Protection, Cash Value Accumulation Client Guide Pacific Life Insurance Company VFPRO2-2C Death Benefit Protection and Simple,

More information

Term Life Insurance Illustration

Term Life Insurance Illustration Term Life Insurance Illustration Prepared For: Client Prepared By: TIM FULLER SPECIAL RISK SERVICES 6901 S. PIERCE ST LITTLETON, CO 80128 ph: 303-309-3471 fax: 303-309-3470 lic #: 9999999 1 Life Insurance

More information

equimax Par Whole Life GUIDE equimax YOUR GUIDE TO EQUIMAX 02

equimax Par Whole Life GUIDE equimax YOUR GUIDE TO EQUIMAX 02 YOUR GUIDE TO EQUIMAX equimax CLIENT GUIDE YOUR GUIDE TO EQUIMAX 02 ABOUT EQUITABLE LIFE OF CANADA Equitable Life is the largest federally regulated mutual life insurance company in Canada. For generations

More information