ALSP2014-4_Portfolio

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Policy ROI Illustration Palacci

Date Calculator Prepared: 11/5/2014
ALSP2104-1258
Policy ID:
Multiplier
Months Underwriter
21 ST 3.23
LE 1 92

LE 2

LE 3

Full Policy Details

Insurance Company: Ameritas
Company Rating: A+
Type of Death Benefit:
Face Amount (Death Benefit): FDB
Leveled or Optimized Annual Premium Expense: $3,500,000
Annual Premium Expense (Year 1): Optimized
DOB of Insured: $120,169
Age as of Date Prepared:
Gender: 1931
Longest LE (In Months): 83.7
Average LE (In Months): Female
92
92

Purchase Details

Years Escrowed For Premiums (Estimated): 4
Premiums Paid Through Date: 11/5/2018
Acquisition Cost: $1,700,863
Acquisition Cost as a Percentage of Face Amount:
48.60%

Estimated Return Including Premium Refunds/Calls

Year Year Insured Cost (Includes Amount Paid Gain/ Loss Yearly IRR
Age Escrow Upon Maturity
1 Reserve) (Includes Escrow 182.44%
2 63.00%
3 Reserve) 35.37%
4 23.16%
5 2015 84.7 $ (1,700,863) $ 3,919,533 $ 2,218,670 16.23%
6 11.70%
7 2016 85.7 $ (1,700,863) $ 3,800,156 $ 2,099,293 8.47%
8 6.03%
9 2017 86.7 $ (1,700,863) $ 3,657,866 $ 1,957,003 4.03%
10 2.29%
11 2018 87.7 $ (1,700,863) $ 3,500,000 $ 1,799,137 0.73%
6.77%
2019 88.7 $ (1,873,593) $ 3,500,000 $ 1,626,407

2020 89.7 $ (2,062,953) $ 3,500,000 $ 1,437,047

2021 90.7 $ (2,266,305) $ 3,500,000 $ 1,233,695

2022 91.7 $ (2,484,504) $ 3,500,000 $ 1,015,496

2023 92.7 $ (2,731,113) $ 3,500,000 $ 768,887

2024 93.7 $ (3,011,887) $ 3,500,000 $ 488,113

2025 94.7 $ (3,330,278) $ 3,500,000 $ 169,722

LE (in Months) 92

The above chart is for illustrative purposes only. It should be used as a reference and no specific Return On Investment (“ROI”) is guaranteed or
implied. All calculations rely on assumptions about future circumstances. Actual returns may vary if the relied upon circumstances are not accurate.

Confidential Medical Summary

The insured is an 83 year old female with a history of Hypercholesterolemia, Osteoarthritis and spinal stenosis
with multiple surgical procedures of the spine. She has multiple Transient Ischemic and significant a stroke with
neurological deficit. Her body mass index is 19.5 and medications include Toprol, Lipitor, ASA, Benadryl and
Prednisone.

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