North American Company Builder Plus IUL® 4 · Female, issue age 3 · Standard Non-Tobacco · Initial death benefit $217,315 · $5,000 annual premium, years 1–7 · Fixed participating loan income of $129,972/yr from age 66.
Premiums Paid, Account Value Growth & Distributions Over Time
Policy years 1–100 (ages 4–103) · Non-Guaranteed Assumed, Index Credits 6.62%
Account Value
Premium Paid
Distribution
Account value on the left axis; premiums and distributions on the right axis.
Year-by-Year Ledger Detail
Total premiums $35,000 · total distributions $4,938,936
Year
Age
Premium Paid
Account Value
Death Benefit
Distribution
Cum. Distributions
1
4
$5,000
$4,563
$221,878
$0
$0
2
5
$5,000
$9,414
$226,729
$0
$0
3
6
$5,000
$14,569
$231,884
$0
$0
4
7
$5,000
$20,049
$237,364
$0
$0
5
8
$5,000
$25,874
$243,189
$0
$0
6
9
$5,000
$32,065
$249,380
$0
$0
7
10
$5,000
$38,646
$255,961
$0
$0
8
11
$0
$40,644
$257,959
$0
$0
9
12
$0
$42,769
$260,084
$0
$0
10
13
$0
$45,027
$262,342
$0
$0
11
14
$0
$47,653
$264,968
$0
$0
12
15
$0
$50,456
$267,771
$0
$0
13
16
$0
$53,450
$270,765
$0
$0
14
17
$0
$56,622
$273,937
$0
$0
15
18
$0
$60,008
$277,323
$0
$0
16
19
$0
$63,625
$280,940
$0
$0
17
20
$0
$67,487
$284,802
$0
$0
18
21
$0
$71,612
$288,927
$0
$0
19
22
$0
$76,017
$293,332
$0
$0
20
23
$0
$80,720
$298,035
$0
$0
21
24
$0
$86,030
$303,345
$0
$0
22
25
$0
$91,700
$309,015
$0
$0
23
26
$0
$97,755
$315,070
$0
$0
24
27
$0
$104,221
$321,536
$0
$0
25
28
$0
$111,127
$328,442
$0
$0
26
29
$0
$118,475
$335,790
$0
$0
27
30
$0
$126,323
$343,638
$0
$0
28
31
$0
$134,703
$352,018
$0
$0
29
32
$0
$143,652
$360,967
$0
$0
30
33
$0
$153,209
$383,025
$0
$0
31
34
$0
$163,384
$408,460
$0
$0
32
35
$0
$174,242
$435,605
$0
$0
33
36
$0
$185,829
$464,574
$0
$0
34
37
$0
$198,195
$495,489
$0
$0
35
38
$0
$211,392
$528,482
$0
$0
36
39
$0
$225,400
$563,502
$0
$0
37
40
$0
$240,344
$600,862
$0
$0
38
41
$0
$256,287
$640,719
$0
$0
39
42
$0
$273,309
$664,141
$0
$0
40
43
$0
$291,438
$687,794
$0
$0
41
44
$0
$310,794
$711,720
$0
$0
42
45
$0
$331,462
$735,848
$0
$0
43
46
$0
$353,487
$759,998
$0
$0
44
47
$0
$376,958
$787,842
$0
$0
45
48
$0
$401,972
$816,004
$0
$0
46
49
$0
$428,637
$844,416
$0
$0
47
50
$0
$457,019
$872,907
$0
$0
48
51
$0
$487,285
$901,478
$0
$0
49
52
$0
$519,574
$924,843
$0
$0
50
53
$0
$553,989
$947,321
$0
$0
51
54
$0
$590,727
$968,793
$0
$0
52
55
$0
$629,877
$988,908
$0
$0
53
56
$0
$671,628
$1,007,443
$0
$0
54
57
$0
$716,158
$1,045,591
$0
$0
55
58
$0
$763,629
$1,084,354
$0
$0
56
59
$0
$814,257
$1,123,675
$0
$0
57
60
$0
$868,274
$1,163,488
$0
$0
58
61
$0
$925,904
$1,203,676
$0
$0
59
62
$0
$987,361
$1,263,822
$0
$0
60
63
$0
$1,052,942
$1,326,707
$0
$0
61
64
$0
$1,122,847
$1,392,330
$0
$0
62
65
$0
$1,197,414
$1,460,846
$0
$0
63
66
$0
$1,278,632
$1,400,408
$129,972
$129,972
64
67
$0
$1,367,177
$1,351,404
$129,972
$259,944
65
68
$0
$1,463,684
$1,301,954
$129,972
$389,916
66
69
$0
$1,568,696
$1,251,995
$129,972
$519,888
67
70
$0
$1,682,918
$1,201,602
$129,972
$649,860
68
71
$0
$1,807,198
$1,150,961
$129,972
$779,832
69
72
$0
$1,942,484
$1,080,883
$129,972
$909,804
70
73
$0
$2,089,702
$1,007,990
$129,972
$1,039,776
71
74
$0
$2,249,950
$932,156
$129,972
$1,169,748
72
75
$0
$2,424,367
$853,177
$129,972
$1,299,720
73
76
$0
$2,614,238
$770,873
$129,972
$1,429,692
74
77
$0
$2,820,096
$740,552
$129,972
$1,559,664
75
78
$0
$3,043,114
$714,200
$129,972
$1,689,636
76
79
$0
$3,284,607
$692,397
$129,972
$1,819,608
77
80
$0
$3,545,946
$675,737
$129,972
$1,949,580
78
81
$0
$3,828,531
$664,794
$129,972
$2,079,552
79
82
$0
$4,133,780
$660,112
$129,972
$2,209,524
80
83
$0
$4,463,238
$662,315
$129,972
$2,339,496
81
84
$0
$4,818,540
$672,059
$129,972
$2,469,468
82
85
$0
$5,201,413
$690,047
$129,972
$2,599,440
83
86
$0
$5,613,813
$717,146
$129,972
$2,729,412
84
87
$0
$6,057,465
$753,923
$129,972
$2,859,384
85
88
$0
$6,533,988
$800,759
$129,972
$2,989,356
86
89
$0
$7,045,315
$858,290
$129,972
$3,119,328
87
90
$0
$7,593,620
$927,322
$129,972
$3,249,300
88
91
$0
$8,180,630
$1,008,115
$129,972
$3,379,272
89
92
$0
$8,815,886
$1,020,881
$129,972
$3,509,244
90
93
$0
$9,504,394
$1,043,524
$129,972
$3,639,216
91
94
$0
$10,253,333
$1,079,929
$129,972
$3,769,188
92
95
$0
$11,071,924
$1,135,654
$129,972
$3,899,160
93
96
$0
$11,973,478
$1,219,865
$129,972
$4,029,132
94
97
$0
$12,946,674
$1,446,161
$129,972
$4,159,104
95
98
$0
$13,996,979
$1,706,992
$129,972
$4,289,076
96
99
$0
$15,130,254
$2,005,795
$129,972
$4,419,048
97
100
$0
$16,352,790
$2,346,294
$129,972
$4,549,020
98
101
$0
$17,671,346
$2,732,537
$129,972
$4,678,992
99
102
$0
$19,093,213
$3,168,948
$129,972
$4,808,964
100
103
$0
$20,626,178
$3,660,288
$129,972
$4,938,936
Values are taken directly from the carrier’s basic illustration ledger under the Non-Guaranteed Assumed scenario (current charges, 6.62% index credits). Non-guaranteed values are not guaranteed and may be more or less favorable than shown. This is not an offer, contract, or promise of future policy performance.